Q&As: Couple can afford to retire youngish, especially if they are willing to eat into their savings; Cash PIE not always a good substitute for a term deposit — but there’s another way to achieve reader’s goal using PIE tax advantages.
Q&As: Repaying a mortgage — on a home or rental property — almost always better than saving with term deposits; KiwiSaver works well for children; 3 Q&As on charitable Christmas giving.
Q&As: Everything you need to know about the government’s new deposit guarantee scheme; Under the new scheme, should we move our money from banks to covered finance companies?; Will KiwiSaver still be good for self-employed 62-year-old if National wins the election? Plus:Readers’ views on KiwiSaver.
Q&As: Far from being “devalued”, bank term deposits are a good deal these days; Don’t bail out of funds that include shares, despite forecasts of lower long-term returns; No, last week’s comment on the non-deductibility of mortgage interest wasn’t wrong — 2 Q&As; Another option for last week’s correspondent is house-sitting.
Safe haven for nervous investors. Spooked by the Blue Chip, Feltex and finance company collapses, a growing number of New Zealanders are joining the “flight to quality” by buying government bonds or their little brothers, Kiwi Bonds.
Q&As: Grandma will help grandson more by opening her own KiwiSaver account and giving him the savings; Ultraconservative KiwiSaver funds are as safe as bank accounts, and bring much higher returns; Is lack of self control more prevalent now than in the past?; Government bonds have their place for the ordinary investor.
Q&As: KiwiSaver the last straw for employer of “whinging, incompetent” New Zealanders; Reserve Bank offers some reassurance for reader worried that NZ banks could be caught up in their foreign parent’s woes…; …But if you’re still worried, consider the safest investments of all, government securities.
Q&As: A landlord’s threats are perhaps a little hasty — but he has a point; A KiwiSaver misunderstands the ups and downs of the market; Are property shares a good option for young man saving to buy his first home?
Q&As: A middle-of-nowhere section might not be the best choice for a 25-year-old’s savings while he studies; Have delays in processing KiwiSaver contributions hurt savers in the recent tumultuous markets?; How to top up your KiwiSaver contributions so you get the full tax credit.
Q&As: Eggs in baskets don’t really apply to term deposits, but there’s another way to diversify; Taxing options if you take flatmates in to help you pay the mortgage; 2 Q&As on how to make the most of KiwiSaver if you are in and out of the work force.