Term deposits

RNZ Radio 5 May 2022

Listeners’ letters about KiwiSaver and inflation:
– Should you stop KiwiSaver contributions when your balance falls?
– Should you switch KiwiSaver provider in a down market?
– With inflation at 7%, do you need to earn 10.3% before tax to stand still?

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NZ Herald 16 April 2022

Q&As:
– Bonus Bonds weren’t only about returns
– Gold is not the best spot for reader’s inheritance
– Are billionaires the new millionaires?
– Retirement savings idea not a winner
– Unfairness in treatment of overseas pensions?

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NZ Herald 9 April 2022

Q&As:
– The safest place to park a huge inheritance
– Finance company pays more interest, but for a reason
– Don’t sit on house market sidelines, says reader
– When is a millionaire not a millionaire?
– A break for some superannuitants who had lived overseas
– It’s not just this column that can be shady!

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NZ Herald 2 April 2022

Q&As:
– Sell before you buy a home, and rent in a new area
– Reader is unhappy with column layout
– Couple enjoy life, but still seek higher returns than in the bank
– 3 Q&As about NZ Super and overseas pensions

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RNZ Radio 24 March 2022

What to do about the 2 big investment worries — inflation and wobbly sharemarkets
– Short term — who knows?
– Take the long-term view
– What we can learn from this

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NZ Herald 12 March 2022

Q&As:
– Property-rich, cash-poor couple can keep their bach
– How to give away millions of dollars
– Conservative KiwiSaver funds not all that conservative
– Dividend reinvestment plans work well for most shareholders

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NZ Herald 26 February 2022

Q&As:
– Online calculator helps you work out how much your home should be insured for
– A catch-up for daughters’ KiwiSaver accounts
– Laddering plus compounding works a treat …
– … But is this a good time to get into term deposits?
– Could laddering work for a mortgage?
– How one couple runs their money

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NZ Herald 19 February 2022

Q&As:
– Please don’t let your partner run your money without your input
– Comparing KiwiSaver and non-KiwiSaver funds
– Laddering term deposits a great way to invest low-risk money — and what are Term PIEs?
– How do NZ-owned banks compare with overseas-owned ones?
– How high inflation affects low-risk savings

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NZ Herald 5 February 2022

Q&As:
– Where to keep money for jewellery while awaiting Italian trip …
– … And where to keep it while awaiting a house purchase
– Give money to grandkids rather than their parents
– Invest a lump sum now, or wait?
– A few more “money rules”, and a source revealed
– Good Samaritan helps out last week’s struggling tourism operator

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Investing Is for the Long Term

I’m worried. While it’s great to see many new people getting into investing in shares, and others taking more interest in their KiwiSaver accounts as their balances grow, they could be riding for a fall.

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