Risk

NZ Herald 5 September 2015

Q&As: KiwiSaver accounts very unlikely to go to zero, but nor are they guaranteed; What happens to KiwiSaver money when the person dies?; NZ Super is indeed paid from current taxes; Have retired people paid towards their NZ Super?; Reader challenges my comments about some people paying for their rest home care; Some retirees need “permission” to enjoy spending their money.

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NZ Herald 8 August 2015

Q&As: Banks shouldn’t favour new customers, but reader shouldn’t have big credit card debt; Gold doing OK in NZ dollars, but that’s not the point; Why advisers tend to favour low-risk investments and why they shouldn’t; Banks have a wide range of financial advisers.

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NZ Herald 1 August 2015

Q&As: Gold bugs disappear now that their price has plunged; 2 Q&As about older bank customers getting poor service; How to judge your financial adviser; 76-year-old doesn’t have to reduce risk.

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NZ Herald 5 April 2014

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.

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NZ Herald 23 November 2013

Q&As: Gear both or neither when comparing shares and property; Tip for bankrupt couple: low-paid retail work has its rewards; New KiwiSaver tool helps you work out your risk level; Retirement date not the key factor in choice of KiwiSaver fund.

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NZ Herald 28 September 2013

Q&As: A bit of risk is good, even if it means having to cut your losses on a rental property; Sending money to Australia and back, in the hopes of gaining on foreign exchange, is likely to leave reader worse off; New money laundering rules slow down international transfers of money; Take note of different interest rates in different countries; If capital gains are taxed under Labour, will we get a tax break on capital losses?; What if somebody who adds to their mortgage ends up unable to pay a capital gains tax?

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The Investor 8 September 2012

Risk is not a dirty word. A man on the radio the other day was talking about risk, and how we’ve become so scared about our children’s safety that we don’t let them climb trees. The kids lose out. It’s similar with investments. Many New Zealanders seem to be too scared of riskier investments, and they too lose from that fear.

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NZ Herald 28 July 2012

Excerpt from Upside, Downside. This week and next week, this column will publish excerpts from a small book Mary Holm has written for the Reserve Bank called “Upside, downside: A guide to risk for savers and investors”. It will be given away free to the public in September. This column will tell you how to get a copy then. Today’s excerpts include an overview and an example of one type of risky investor behaviour. Next week we will publish further examples.

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