The big good change in KiwiSaver
FMA’s annual KiwiSaver report:
– Growth of money in growth funds — and drop in conservative
– Who is not contributing?
– Where are we on ethical KiwiSaver funds?
– Fees fall, but could fall further
– Switches between funds
Banking in tough times — how we’re doing, plus payee confirmation coming at last!:
– How many apply for hardship
– How we run our credit cards
– Types of mortgages — what’s best?
– Use of term deposits
– Payee confirmation — see who you are paying online
How is your financial wellbeing?
– Produced by Te Ara Ahunga Ora Retirement Commission
– Doesn’t test financial knowledge, but how well you are coping with your money
– Brief discussion of what’s behind the questions
– If you want to read the quiz, go to the Te Ara Ahunga Ora Retirement Commission website
Q&As:
– Long-term view needed on shares
– One more argument for KiwiSaver for teens…
– … Why a grandparent prefers to give a gift at 21
– Lotto boss gives his perspective
– What happens to student loan when you die
– How long bank takes when a customer dies
Q&As:
– Grandpa teaches money in a fun way
– Ideas for term depositors facing lower interest
– When to switch KiwiSaver providers — and when not to
– Far away rental could be worrying
– Making the most of tax cuts and mortgage interest cuts
Q&As:
– 2 painless ways to ease money worries
– KiwiSaver or not after 65?
– Is this a good time to sell the rental?
– A tip for travellers
– Check out Money Month
Your big chance — save your tax break!
– Could be much better off in retirement, with no pain
– Applies to almost everyone
– Set up auto transfer
– Could total more than quarter of a million dollars in retirement
Plus:
– Similar situation if don’t spend on Lotto, but …
– Confirming wages do grow faster than inflation
Buying a first home — after loss of KiwiSaver grant
– But first: a comment on Budget tax cuts — try to save that money!
– KiwiSaver still best for first home saving — despite loss of grant.
– Other help with buying first home…
– … Or rent long-term, while saving hard.
– Where to invest your long-term savings?
Q&As:
– New graduate gets help with budgeting and saving
– How to cope with never-ending bills
– Correction on last column: Tax cuts not yet finalized
– Transition year coming for tax
– Argument for no tax on crypto and gold
– Reader unhappy about capital gains tax ideas
Plus:
– Mary talking in New Plymouth
Q&As:
– Don’t try to time markets…
– … Even if you’re being contrary
– 2 Q&As on money lessons for teens
– Bank PIEs and government guarantee
– No capital gains tax, but we do tax some gains