RNZ Radio 10 August 2017
Picking a KiwiSaver or other share fund? Ignore recent winners: Research in Economist magazine; KiwiSaver results; Why winners don’t stay winners; How to choose a share fund.
Picking a KiwiSaver or other share fund? Ignore recent winners: Research in Economist magazine; KiwiSaver results; Why winners don’t stay winners; How to choose a share fund.
Investment risks — Part 4: Ups and downs in investments, emotions and fees. In the last of a four-part series, Mary talks about the risks described in the newly updated “Upside, Downside — a guide to risk for savers and investors”. (Download it here). In this session: Being overconfident about your ability to trade investments or time markets; Taking on more volatility than you can cope with; Letting your emotions rule your investment decisions; Taking on more work or worry than expected; Counting on dividend income; Paying too much in fees and other expenses; Being tax-driven.
Q&As: Would-be foreign exchange trader should give it a miss; Are credit cards sometimes tied to mortgages? Does it matter?; Young son might learn more than one lesson; Reader suggests ways to cut food bill.
Investment risks — Part 2: Too complicated, too much borrowing, not diversifying… In a four-part series, Mary talks about the risks described in the newly updated “Upside, Downside — a guide to risk for savers and investors”. (Download it here) In this session: Investing in something you don’t fully understand; Investing in companies that get into trouble; Overdoing borrowing; Investing in too few different types of assets; Failing to diversify within each type of asset; Failing to diversify over time; Putting short-term money in volatile investments.
Q&As: Index fund comparison inaccurate — and look how shares have grown!; Broke couple could share their house…; …or live on a boat; Beneficiaries entitled too; Paying for your rest home? Lucky you; Services for Seniors booklet tells all.
Investment risks — Part 1. In a four-part series, Mary talks about the risks described in the newly updated booklet she wrote for the Reserve Bank, “Upside, Downside — a guide to risk for savers and investors”. You can download it here. In this session: The one high-return, low-risk ‘investment’; Risk is not a dirty word.
Q&As: A good reason to have a high credit card limit; One reader fires his bank…; …While another is fiercely loyal; Why I prefer managed funds over shares for most; Rules about income for recipients of rest home subsidy.
Q&As: Which is better — a KiwiSaver share fund or KiwiSaver property fund?; KiwiSaver investments don’t change at 65, unless you’re in a life stages option. What are they?; No tax consequences of parents’ gift to help pay off mortgage; Bring UK shares over and pay down mortgage.
Q&As: The struggle of some beneficiaries; If you don’t like bank’s interest payment policy, shop around; Should couple put all their cash in house deposit, or invest in shares too?
Is it wise to borrow to make a property or share investment?: What is leverage — a.k.a. gearing — and how does it work?; Pros and cons of using it; Why it’s wise to pay down your mortgage.