We’re getting smarter with our KiwiSaver choices
Total funds nearly $100 billion — although dropped in 2022
4 good trends:
– More in growth funds
– More choice for investors
– Fees falling
– Good international investing
Correction about how long it takes employee contributions to reach providers
Q&As:
– How solo mother can survive mortgage rate rise
– Check out all of a bank’s offerings
– Okay to raise your risk in falling market — and it’s not falling anyway
– KiwiSaver fund not doing as badly as reader thinks
– Help offered from a robot…
– … But it’s too late!
Q&As:
– Tips for student soon to start university — including “have fun!”
– Should granddaughter stop KiwiSaver while on leave?
– Banks “cavalier to consumers”
– Will you lose money permanently higher-risk KiwiSaver funds?
– Why moving funds is like moving houses
Which funds, in and out of KiwiSaver, are best at different life stages?
– It’s not actually about age
– How to set up your savings
– Best low risk investment?
– Best medium risk investment?
– Best higher risk investment?
– Review situation once a year
Are KiwiSaver members getting value for their money?
Financial Markets Authority (FMA) is looking into this.
Report from a panel discussion on the topic at a conference:
– Are fees coming down?
– Some providers pay commissions to advisers who bring in KiwiSaver members
– Some performance fees are unfair
Also, brief comment on controversy over GST on KiwiSaver fees
Q&As:
– Aggressive KiwiSaver funds can work well …
– And here’s an even riskier one
– Can overseas daughter join KiwiSaver?
– What happens to KiwiSaver money when the member dies
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:
– Covid-hit couple struggle to get a loan …
– … while another family finds solutions
– Short-term share performance is irrelevant
– Get used to volatility or move out and stay out
– 45 financial rules
Q&As:
– Should young woman invest or concentrate on repaying student loan?…
– … And is her situation like last week’s beneficiary who inherited $1.5 million?
– 2 more readers angry with beneficiary
– In defence of a criticised headline
– How another beneficiary handled her inheritance
– Borrowing to invest in companies that, themselves, borrow
– 2 readers comment on last week’s Q&A about high KiwiSaver fees …
– … And another one jumps the gun on new low KiwiSaver fees
Q&As:
– 20-year-old could perhaps try borrowing to invest in shares
– Reader misunderstands 10-year share rule
– KiwiSaver fund a good idea for great grandson
– How KiwiSaver is taxed, and what happens the year you turn 65
– “But the cheap wine tastes better!”
– Take care with employee share ownership schemes