Q&As: Should first home buyer put KiwiSaver money into the purchase?; Should pay rise go into mortgage or KiwiSaver?; Is health insurance necessary?; Reader misunderstands role of NZX; NZ Super rises faster than costs, despite reader’s numbers.
Q&As: Market timing is upside down – but reader shouldn’t do it anyway; Another reader seeks advice on timing, plus switching KiwiSaver providers; Use bond funds, not balanced funds, in retirement; Have I followed my own financial advice?; A correction about percentages of retirees in long-term residential care.
An important message for everyone in KiwiSaver. Mary answers listeners’ questions on: Whether to switch funds when your balance falls; Whether to move KiwiSaver money to term deposits in retirement; How the self-employed can make the most of KiwiSaver; How to tell if your fund is low or high-risk.
Q&As: “Better area” doesn’t necessarily mean it’s a better investment; TSB is like Kiwibank on term deposit rules; Should superannuitant put inheritance in KiwiSaver to avoid means test?; Parents in 70s should quit work and get assistance; Advantages of not getting residential care subsidy; 55-year-old might as well retire.
Q&As: It’s great to be a cash buyer; Should couple in 70s panic about their KiwiSaver?; Reader plans way to get more from the government; Retired couple should consider retirement villages.
Q&As: Why do you usually make money investing in shares?; How to pick shares — use a dart!; Concerns in the wake of failed crowd-funded company; KiwiSaver tax credit in the year you turn 65.
Q&As: Reverse mortgages not usually good in your 50s, but maybe for this couple; 89-year-old’s plan includes a reverse mortgage; ‘Victim’ reluctant to complain about payday lender; Sharped-eyed reader makes some points about last week’s column.
Q&As: KiwiSaver first home grants seem impossible on the Coromandel; Setting up Airbnb studio fairly risky for 68-year-old; Should retiree get into direct share investing?; 52-year-old should get into KiwiSaver.
Q&As: How to save for the kids’ uni costs…; or a newly discovered 13-year-old child…; or the young grandchildren; Keeping the anti-dollar cost averaging police at bay.
How to get women more interested in investing: Research shows men are more knowledgeable and confident; Women are in more conservative investments; Why? — some thoughts from a recent discussion; Suggestions on how to close the gap.