Q&As:
– How different is it this time?
– Is this a good time to subdivide?
– Was I too tough on last week’s mother?
– Is gold a good investment these days?
– How would bank deposit insurance work for term deposits?
– Bank credit ratings vary — and should you move money to Australia?
– Pay down mortgage with bank deposits — especially if nervous
Bank term deposits might not earn much, but sometimes they’re the best option
They’re boring and they pay low interest. But bank term deposits are probably the best place to park money for a few months — or even a year or so. Anywhere else could be too risky…
Q&As:
– Reader plans to retire at 45
– Simplicity defends CEO’s colourful past
– Christmas grinch reports back on progress
– Scrap KiwiSaver and give the money to beneficiaries, says reader
– Hatch exec responds to Smartshares’ comments last week
Q&As:
– Wife needs to be convinced she can enjoy retirement
– Beneficiary — an extraordinary saver — can take part in KiwiSaver
– NZ-based funds not subject to international tax issues
– 2 Q&As on how supervisors and custodians look after KiwiSaver and other fund investors
Q&As:
– Family tree doesn’t explain why women are worse off in retirement
– Should we give more NZ Super to those in need?
– Reader seeks ideas on giving to charity
– Offset mortgage one way parents can help children buy a home — but not a tax break
– Look beyond bank adviser
– Investors in KiwiSaver and other funds pay slightly less tax
Q&As:
– Loan within family might work, but there’s lots to consider
– How to find KiwiSaver funds that are pretty much fully invested in shares
– No rules about KiwiSaver fund names
– Tax rate should be called “marginal” — or should it?
Q&As:
– Couple should make children their priority while the kids are young
– KiwiSaver gives children a good start, despite the lack of incentives
– Don’t blame bank for getting son’s KiwiSaver tax rate wrong
– Expanding the “cut back on gifts” idea to birthdays, Christmas and Mother’s Day
– Inflation tougher on superannuitants, but reader still has options
Plus:
– I’m doing two talks in Tauranga on November 3
Q&As:
– Low interest not as bad as it seems — when we check out inflation
– Ideas for retiree struggling because of low interest
– Should retirement savings go into high-earning KiwiSaver fund?
– Apartment ownership not worry-free
– My tax gripe shot down
Q&As:
– Reverse mortgages risky in early retirement
– Last week’s correspondent probably meant rental losses are now ring-fenced
– Tax system lacks integrity, here and in the UK
– Did I muddle money and percentages last week?
– Another idea for couple moving to Coromandel but wanting an Auckland option
Q&As: Difficult for beneficiary to gain from inheritance; Is there anything in KiwiSaver for retirees? …; … Reader replies to that, but worries me; Does KiwiSaver beat other funds in retirement?; 2 readers have fun with last week’s tiny tax refund letter.