Shares and share funds

RNZ Radio 10 September 2020

What to do about low interest rates at banks (and the demise of Bonus Bonds)
– Not as bad as people think
– But still many unhappy
– Suitable alternatives — safe, low volatility — offset mortgages, cash funds, low-risk KiwiSaver funds
– Be braver? — if long-term money — middle-risk KiwiSaver funds. Probably not higher-risk funds or shares or rentals

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RNZ Radio 27 August 2020

The next downturn — in shares, KiwiSaver and other managed funds — might be longer.
But first — comments on what to do about the demise of Bonus Bonds.
– FMA survey on investor confidence.
– Race between NZ and world share markets to recover from Covid downturn.
– Recovery not just shares rebounding, but also bonds.
– Next time we could easily have shares down for longer, and bonds also falling.

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NZ Herald 1 August 2020

Q&As:
– Couple muddling trusts and wills — and courting trouble by not discussing uneven inheritances with family
– Young hopeful homebuyer in a position to take risks
– KiwiSaver retirement estimates too high? — what to do about it
– Travel early in retirement, 85-year-old urges

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RNZ Radio 2 July 2020

Invest in NZ assets rather than overseas ones? Is that wise?
– Which is better for you — NZ or international investing?
– Which is better for New Zealand as a whole?
– How to invest internationally
– How to tell if your KiwiSaver fund is mostly NZ assets — not easy

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NZ Herald 27 June 2020

Q&As:
– Government KiwiSaver contributions to over 65s wouldn’t work, or be fair
– How reader with cancer could set up her savings
– Over how long should you drip-feed a lump sum into an investment?
– Is weekly drip-feeding better than monthly?
– I suggest reader takes rental property off the market …
– … but she’s sold it! Don’t put proceeds into another rental

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NZ Herald 20 June 2020

Q&As:
– A “bit of bitcoin” is OK, but don’t get carried away
– Realistic recommendation on fixed versus floating mortgage rates
– KiwiSaver could be more welcoming to newcomer with mortgage
– KiwiSaver timeframes all over the place

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NZ Herald 13 June 2020

Q&As:
– Should out-of-work couple keep contributing to KiwiSaver?
– Why I worry about the share market recovery
– A way for special needs daughter to gain more financial flexibility
– How to decide which mortgage term to go for
– Best choice for employee who effectively pays his own KiwiSaver employer contributions
Plus:
– How to improve your chances of being answered in this column

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NZ Herald 30 May 2020

Q&As:
– Where to put your money if you’ve lost faith in all financial assets
– Why being in a balanced fund isn’t always equal to being in both low- and high-risk funds
– Suggestion for last week’s couple unable to buy a home because of his parents’ mortgage
– Tax on PIEs and uneven tax burden
Plus:
– How to make use of new info on KiwiSaver statements

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NZ Herald 23 May 2020

Q&As:
– Help abounds for young man who helped parents get a mortgage
– My tax info not good enough for accountant
– How to tell how strong your bank is
– Can you be in more than one Simplicity fund?
– House buying plan depends on two impossible forecasts
– Put most of savings into house deposit
– Young man loses house deposit in receivership
– Divorced woman, 59, should put most money into new home

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NZ Herald 16 May 2020

Q&As:
– Am I helping the big guys at the expense of small investors?
– Why you might want to be in more than one of your provider’s KiwiSaver funds
– Tax on KiwiSaver and other funds is gentle
– Limit buys can work well when buying shares
– Investing versus paying down mortgage in low-rate environment …
– … and taking diversification into account
– Be in KiwiSaver as well as making extra mortgage payments
– Take mortgage “holiday” or spend savings?

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