Term deposits

NZ Herald 9 May 2020

May 9, 2020
NZ Herald Q&A Column

Q&As:
– Who’s right about fund choice — husband or wife or neither?
– Which bank products are subject to haircut if bank fails?
– What about government bonds, Bonus Bonds and safe deposit boxes?
– Halt to dividend payments should strengthen banks
– ETF tax problem no big deal
– It’s great to continue contributions to KiwiSaver and other funds in down markets
– Don’t assume gloom will continue — and a look at past recoveries
– Drip feeding not quite so good with lump sums

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NZ Herald 2 May 2020

May 2, 2020
NZ Herald Q&A Column

Q&As:
– One less worry: KiwiSaver as an inheritance
– Keep an eye on what’s in your will
– Challenging Westpac over help for KiwiSaver investor
– What happens when KiwiSaver account is empty
– Which is safer, bank deposit or low-risk fund?
– Don’t panic about security of banks
– Ignore past returns when choosing KiwiSaver provider — so how should you choose?
Plus:
– Message to mothers

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NZ Herald 25 April 2020

April 25, 2020
NZ Herald Q&A Column

Q&As:
– Reader regrets panic move out of KiwiSaver — and how to follow share trends
– Many more people are buying shares
– Should self-employed use up savings before asking for government help?
– Index funds not at a disadvantage in market downturn
– How can index funds beat the market?
– Which index for an index fund?
– Any time is fine for switching KiwiSaver provider

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NZ Herald 18 April 2020

April 18, 2020
NZ Herald Q&A Column

Q&As:
– New share investors should skip single shares and use a fund
– Short-term share trading up — but most people don’t win
– Index funds proving themselves in down markets
– How “Preservation Fund” lost money — and is it better than bank term deposit?
– Angry reader wants gold in NZ dollars — but would it boost his case?
– Last week’s gold fan takes another look
– Gold helps with diversification

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Money Talk April 2020

April 17, 2020
Money Talk column

Hope for the best, but expect the worst

If you’re investing in shares, always assume a downturn might be just around the corner — as recent events have dramatically shown!

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NZ Herald 11 April 2020

April 11, 2020
NZ Herald Q&A Column

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

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RNZ Radio 9 April 2020

April 9, 2020
RNZ Radio

Listeners’ questions about what they should and shouldn’t do with their investments at the moment
– When to move to a lower-risk fund
– A good time to add to a growth fund?
– Bank worries
– What to do with your mortgage

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NZ Herald 4 April 2020

April 4, 2020
NZ Herald Q&A Column

Q&As:
– Daughter, 21, puts her Mum right on switching KiwiSaver funds
– Son seeks research on trading versus buying and holding shares, to convince Dad
– Got your visa? Get into KiwiSaver
– Don’t wait until markets recover
– Is it wise to take a “mortgage holiday”?
– Are different bank accounts treated differently if “haircut” happens?
– Should retiree try his luck again on timing the market?
– 20-year-old should get into share market cautiously
– Moving to higher risk is a good move

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Money Talk February 2020

February 28, 2020
Money Talk column

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…

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