Q&As:
– How to avoid the boss’s meanness — a different way to contribute to KiwiSaver
– Credit card interest rise alarming
– Don’t bail out of KiwiSaver
– Funds’ relative performance all over the place
– 2 more providers let you withdraw dividends from funds — which can work well in retirement
– A reader’s story: Lessons learnt boost confidence
Q&As:
– Rental property comparison with KiwiSaver not valid
– Working out your true income can help you curb spending
– How reader can keep getting some benefits after 65
– A pity more managed fund providers don’t distribute dividends to investors
– A reader’s story: Recovery from divorce, and 21st birthday presents
Q&As:
– Reluctant shopper passes on helpful tips
– Differences between ETFs and unlisted index funds — not huge
– A comment on capital gains tax
– A reader’ story: key messages over the years
Q&As:
– Rental property not always the winner over managed funds
– The risk of borrowing to invest
Readers’ stories about how the column has helped them
– 9 lessons learnt
– Move to growth fund made big difference
– We don’t like shopping!
– “Spend more” message is not for everyone
Q&As:
– Many ways to boost retirement savings in 10 years…
– … Also be in KiwiSaver, and consider reverse mortgage
– KiwiSaver government contribution when overseas
– No thank you to this unbelievable offer
– Bank changes coming soon — and one that’s not
Spending that makes you happy
Research tends to find the following spending brings the most happiness:
– Getting rid of money worries — paying off debt, getting insurance etc
– Experiences — events, travel ….
– Changes that give you more time — hiring others to do tasks etc
– Beautiful things — art, plants etc
– Spending on others — charity, shouting a friend, gifts
Q&As:
– How solo mother can survive mortgage rate rise
– Check out all of a bank’s offerings
– Okay to raise your risk in falling market — and it’s not falling anyway
– KiwiSaver fund not doing as badly as reader thinks
– Help offered from a robot…
– … But it’s too late!
Listeners tell us who they think needs financial help
Entries into our Christmas book giveaway on who you would give my two latest books to, and why
– Themes running through the entries, examples and comments
– The winners
Q&As:
– Getting out of share market is not wise
– Keep an eye on economic numbers — but not to predict share markets
– Did reader lose during KiwiSaver provider transfer?
– No, don’t cut your contributions!
– Reduce risk on spending money
– Should older investors stick with term deposits?
– 2 readers sing the praises of cross lease property
Q&As:
– Keep that money out of KiwiSaver, unless…
– Does Simplicity’s recent performance prove passive investing is no good?
– Last week’s couple may have been referring to house size
– Reader’s terrible experience with cross lease property
– Justifying NZX50’s inclusion of dividends