Q&As: Proposed KiwiSaver changes would help many, but not reader; Share investment ‘rule’ applies even if you’re 80; Reader unhappy about share v property comparison; Former accountant spills the beans on tax complexity.
Q&As: Hard to get info about tax on gains from share trading; In KiwiSaver, the government’s deal gets better, but not the employers’; Superannuitant should take heating payment and give it to charity; Landlord objects to my comment, says he works hard; Comments about financial advisers sought.
Q&As: Employers taking their KiwiSaver contributions out of employee pay should be stopped; “Fatal flaw” in short selling not so fatal; Reader thinks IRD should have been tougher on rental capital gains…; …While another reader suggests an alternative tax; “It’s property investor activity that counts” says reader.
Q&As: Should couple — with a possible baby soon — sell their rental?; What about another couple with teenagers, and an offer for their rental unit?; Real estate agents advises against quick sales, among other things; Government considering change to KiwiSaver employer contributions after 65; Reader is disgusted with teacher’s letter; Don’t overlook tax when comparing debt repayment with investing.
Q&As: Teacher loses KiwiSaver employer contributions at 65, but colleagues don’t; Pay off student loan or mortgage — or invest elsewhere?; Ex-real estate agent explains why it’s not wise to list with several agents; Why haven’t agents’ commission rates fallen as house prices soar?; Move to Kawerau not feasible, says Auckland pensioner.
Why sticking with NZ investments is foolish: Diversification — NZ is a tiny portion of world markets; How to invest offshore — in KiwiSaver and elsewhere; What about foreign exchange risk?; How much of your investments should be offshore?; Is investing offshore disloyal to NZ?; What is hedging, and is it good?
Q&As: How to tell term deposit institutions apart; Frugal superannuitants seem hurt by last week’s column; Real estate agent defends colleagues, and shares a couple of secrets; Dividend reinvestment plans work well for many shareholders; 2 Q&As on who is a professional.