NZ Herald 22 October 2016
Q&As: Should we be getting out of property and shares?; Leasehold property not always a bad idea, but…; KiwiSaver tax credit numbers not quite right.
Q&As: Should we be getting out of property and shares?; Leasehold property not always a bad idea, but…; KiwiSaver tax credit numbers not quite right.
Listeners’ questions, comments and quibbles on the last discussion — on index funds and exchange traded funds: How to begin at share investing; Some critical views about shares, index funds and corporations; Why fewer than half active funds can beat index funds; Medians and averages — the difference, and when it matters.
Q&As: Perhaps we should celebrate a young man’s spending splurge; Don’t get rid of student loan, pay down mortgage; Dodgy share advice given to elderly couple; Think of NZ Super as insurance; Pension info there, but reader may have been distracted.
Q&As: Retiree still wants to have fun in the markets; Whose tax rate should be used on a joint bank account?; Daughter should bring back house money from the UK gradually; Which banks now require notice for term deposit early withdrawals?; Should families get money if a person dies before getting any NZ Super?
My favourite type of share investment — Index funds and exchange traded funds (ETFs): Don’t bother to try to beat the market; A good company is not necessarily a good buy; Lusha the chimp; What are index funds and ETFs, and how to get into them; The Buffett bet; 2 misunderstandings.
Q&As: What to do with spare proceeds from Auckland house sale; Worrying about mortgage break fee is tail wagging dog; Getting the most out of KiwiSaver and a work super scheme; NZ Super too generous for recent immigrants?
Why I’m sticking with shares for the long term — despite recent research: Provocative email from a listener; Research suggests cash deposits beat shares; Quibbles and serious concerns about the research; Best ways to invest in shares; Why I think shares will always win in the long term.
Q&As: Ethical investing can be effective — even if it’s not done perfectly; KiwiSaver tax credit continues if you’re overseas briefly; Deduction of overseas pension from NZ Super the only fair way.
Q&As: Should student earn interest while running up student loan?; Freebies for shareholders left some the worse for wear; Deduction of Canadian pension from NZ Super seems fair; Another ethical KiwiSaver fund; Show Me The Money Week about to start.
How emotional thinking can get in the way of good investing. Understanding common reactions can help you guard against bad decisions. Reactions include: Responding to how things are presented; Sticking with the status quo; Responding to how things are named; Following the crowd; Emotional attachment; Being overwhelmed with information; Fear of regret; Not considering the whole portfolio.