Playing with numbers. 1. Dollar cost averaging: How it gives you bargains; Does it work if you have a lump sum? 2. Rule of 72: How long for an investment to double?; If investment has doubled, what was your return? 3. 40 years in KiwiSaver: 3 times as much in high-risk fund; 1.5 times as much with lowest fees.
Q&As: How did reader get her own home on $38,000? Extraordinary saving; Home ownership costs much more than just mortgage; Selling your home — more than one agent, commission levels, auctions; What’s a profession?
Q&As: Alternative commission gives real estate agents incentive to get you a high price; Yes I was dead serious about telling woman to save less and spend more; Great granddad’s KiwiSaver gift a great idea; Ideas for 16-year-old’s inheritance; Helpful website for tiny house owners and people with land to share.
Q&As: How to tell if you’re on track with your KiwiSaver savings; Reader is saving too much, spending too little on fun; Even conservative KiwiSaver funds go negative sometimes; Allowances paid to employees not included in KiwiSaver contributions.
Apprentices v graduates: The importance of starting to save early — How can 2 conflicting studies both be true?; How much difference 2 years makes to lifetime saving; Applying this to KiwiSaver; Taking inflation into account.
Why shares are the new houses for Generation Rent: A listener’s letter — well done on debt and saving!; How much should renters be saving?; KiwiSaver’s role; Where to put the savings; Where to get advice — banks? advisers?
Q&As: Some spend too much on fun, but some spend too little; What to do if employer won’t contribute to KiwiSaver; 2 readers ‘self-insure’ for health insurance; Reader glad he had check-up before dropping health insurance; Another way to keep down health insurance costs; How have you done in KiwiSaver?; Win a seminar ticket.
Q&As: Million-dollar savings goals do more harm than good; Retirement expectations rise and so should saving; Don’t like one housing forecast? Here are some more; Several NZ passive fund providers.
Q&As: Better to put savings towards mortgage than emergency fund; How to weigh up KiwiSaver versus other saving; Reader not stuck with KiwiSaver provider, but costly to move; Reactions vary on discussion about which indexes to use.
Q&As: NZ tops the world — so it might be better to wait to buy a house; KiwiSaver tax credit still $521; Share fund not so great — especially if you check what it’s measured against.