Q&As: Options for a newly retired couple with $200,000 and no home include part-time work, buying a home with a flat attached, an interest-only mortgage and equity release; Two Q&As on which investments are affected by the new tax law on international shares, and how it will work for investors.
Q&As: Attitudes to student loans; Interest on student loans; Fear and share investment; Spending in retirement.
Another reason to spread your investments. I can think of three good reasons to hold lots of different shares, as opposed to one or just a few. Two reasons are obvious, but one is less so, even though it may be just as important.
Q&As: Can he retire?, 40-year-old asks; Couple about to retire wonder if their expenses will drop as they get older; Student loan interest ends. What happens if you go overseas?
What we don’t know CAN hurt us. One of the first things journalists are taught is to make the first sentence of an article a “grabber”, something that will perhaps surprise readers and make them read on. So this column is officially starting now: Every New Zealander over 65 gets NZ Super, no matter how rich they are.
Moving the goalposts: Working part-time in retirement makes a huge difference to how much you need to save. Also in this issue: From the Mailbox — Is home ownership so great?
Q&As: Man in mid 50s can afford to drop out — but what about emotionally?; Is reader silly to stick with renting?
Q&As: Young couple take a break from work; Some other options for the couple in the column two weeks ago.
Q&As: Couple “retiring” in their 30s wonder how to invest their savings; 94-year-old share trader doing just fine; How to run a caravan rental business.
Scattering the seeds: By diversifying, you reduce risk but not returns. Also in this issue: From the Mailbox — Some people over-save for retirement.