Q&As: How some can get round the single KiwiSaver provider rule; Borrowing lots to buy rentals not the way out for reader’s parents; Should couple bring property money back from Australia or wait for a better exchange rate?; Another provider offers unhedged KiwiSaver growth fund; Lawyer not recommending against using a lawyer.
Q&As: Kicked out of KiwiSaver for joining when too old; Is now the time to get out of Auckland property and into shares? Who knows?; Aspiring home buyer’s plan highly risky.
Q&As: Term deposit interest not so bad for people in retirement; How much in savings to get income equal to NZ Super?; Reader challenges my comment about landlords’ tax.
Q&As: Do landlords take advantage of others less fortunate?; How KiwiSaver members are protected from losing their money; Inland Revenue got it wrong last week about interest deductions on family loans; Meaningful Christmas gifts.
Q&As: The pros and cons of investing in several rental properties; An employer can contribute any amount above 3% of pay into a KiwiSaver account; Who owns the shares when you invest through a nominee, and does it matter?; Was I wrong last week about tax deductibility in a family loan?
Q&As: How would Labour’s proposed variable KiwiSaver contributions rate work?; Labour’s capital gains tax and… shares; …public submissions before the tax is enacted; …how inheritances would be treated; …family homes and baches in a trust; …using part of the home for business; …its effect on house prices; …its effect on rents.
Q&As: Should landlord sell shares to reduce the mortgage on his rental?; Is tenants’ claim for borer treatment fair?; Further thoughts for single mum wondering whether to renovate or sell; What’s a tiny shareholding, and why is it a problem?
Q&As: The time it takes to get money out of fund is ‘outrageous’; Can NZ advisers and fund managers do better than the market as a whole?; How and when to bring money back from Australia; How a landlord can analyse whether a property is a good investment.
Q&As: How to tell if an investment — beyond low-risk KiwiSaver funds — is fairly safe; Should woman sell rental and enjoy the proceeds?; Can reader use Dad’s KiwiSaver for own benefit?; Lenders may help with first home deposit timing problem.
Q&As: How about just paying tax, instead of moving house to avoid paying it?; Beneficiaries can join KiwiSaver, and shouldn’t feel they’re not entitled; Last week’s lead Q&A overlooked costs of home ownership…; …and the limits to how KiwiSaver first home money can be spent.