Doing KiwiSaver badly
– Not joining. Employees and non-employees.
– Not contributing.
– Switching too often or unwisely — good and bad switches
– Over 65s not using KS.
– Providers doing KS badly — not cutting fees much.
– Good news: Money in KiwiSaver doubled in 4 years.
– World Investor Week — info for new investors on FMA website.
Q&As:
– Should 24-year-old save for retirement too, or just a first home?
– KiwiSaver works well for over 65s
– Should my advice to woman in 50s have been more conservative?
– Private education not recommended by Mum who sent her sons there
– Dilworth School a possibility for solo Mum’s son
Q&As:
– Grandparents’ best gift for a baby
– Single Mum should put house ahead of son’s private schooling
– Should last week’s Mum buy a cheaper house now?
– Yes, tenants can put up pictures, but they need to fix the walls afterwards
– A little of the high-risk stuff, but only a little!
Q&As:
– Treasure hunt: Could this old term deposit be worth a fortune?
– A couple of worries about a share investor’s confidence
– “Spend while you can” says reader’s adviser
– Too few women in the Business Herald?
– One reader appreciates her real estate agent’s work …
– … While another sold easily without an agent
Q&As:
– Are you an over-saver?
– Employer super contributions not always at employee expense
– Sydney house sellers share building inspections with buyers
– A warning about LIMS, and a worry about building inspections
– Leaky home owner’s tale of woe with building inspection
– Another way to help students financially
– Haircut weirdness continues!
Q&As:
– How to invest as inflation increases
– Does my writing stand the test of time?
– KiwiSaver provider’s services could be better
– Reader has a good laugh about real estate commissions …
– … while another one defends agents
– When agents sell their own houses
Q&As:
– Better ideas on real estate agents’ commissions
– Reader does well with insurance complaint, not so well on contents cover
– Using insurance broker works well for some
– Is it wise to put all savings in KiwiSaver?
– KiwiSaver government contributions not for most over 65
Gender differences in handling money and investing
ASB info from customer transactions:
– Spending
– Money management
– Saving
– Retirement savings
– Knowledge
Other research:
– Risk
– Trading
– Scams
Messages for each gender
Q&As:
– Early retirees should think about how that affects their children
– FIRE fan shares his savings numbers
– Exchange traded funds should have been included last week
– Reader’s time overseas won’t affect his NZ Super
– Enticing young into subsidising elderlies’ health insurance won’t work …
– … But maybe a GST change could help
– Accountant’s comment to tax complainers
Q&As:
– FIRE movement lets you retire many years earlier
– Keep up basic health insurance in retirement, despite cost
– Rental or shares could save woman from reliance on the state
– Sorry, but overseas relative can’t get KiwiSaver government contribution