Q&As:
– Financial adviser’s suggested plan is diversificraziness!
– Reader is wise to be cynical about two advisers
– Reasons not to invest in DGL after CEO’s sexist and racist comments
– 2 readers question role of auctions in house price rises
– Tale of a 1980s share club
Plus:
– Talk on Great Barrier Island
Is rental property a good investment?
Listeners’ questions covering:
– Tax changes
– Politics
– Tenant issues
– Incentive to save by paying down debt
– Property managers
– The pluses and minuses of gearing — borrowing to invest
Q&As:
– Landlords are not villains
– Rental property tax rule unfair
– His head said rent, but his heart said buy
– How to tell if your KiwiSaver fund holds DGL, or any other investment
– Student share clubs could teach about index funds
– Sexy student investing, and drunken share trading
– FMA relaxed about share clubs
– Bonus Bond story with happy ending
Q&As:
– It’s not easy for renter landlords
– Plenty of unknowns for homeowners as well as renters
– Financial education happening in schools
– Share investing not a game
– Long long waits on Bonus Bond phone line
Why comparing returns on rental property and shares is tricky
– A recent example…
– … But borrowing (aka gearing or leveraging) changes comparisons
– The worst that can happen with an investment
– How geared rental property can go wrong
– What about your own home?
– Update from last time on my single shareholding
Q&As:
– Million-dollar mortgage is quite enough
– Weighing up investing versus extra mortgage payments
– Mortgage adviser can tell reader if she can make home ownership work
– KiwiSaver performance fees come with worries
– Experienced landlord gives us the numbers
Q&As:
– With mortgage gone, should couple take on a rental property?
– Reader’s plan to get tax deduction might work — but might not
– NZ Super “beneficiaries” not penalised by earning high incomes
– Working for Families could help in last week’s example
– Reader wants her cat charity on the list
Plus:
– Happy holidays!
Q&As:
– Should investor wait for world situation to change before investing in shares?
– A reader challenges my 10-year rule for share investments
– Why hasn’t ANZ paid Bonus Bonds investors yet?
– Should retired person move savings into KiwiSaver?
– Not all landlords are driven to maximise the rent they receive
Q&As:
– What is the difference between investing and gambling?
– Do over-65s pay their way in terms of tax and NZ Super?
– Reader has a perfect job for someone over 70
– 2 Q&As about selling rentals in retirement and what to do with the money…
– … And a retired reader who has no intention of selling his rentals
Q&As:
– Why rentals may not work well in retirement — use KiwiSaver instead
– KiwiSaver fees are falling, but some are still high
– Reader tells of another dynamic “little old lady”
– It’s not easy for everyone to work into their 70s
– Family issues may affect older worker decision
– Last week’s boomer lacked understanding, reader says