Q&As:
– Does laddering term deposits work well in volatile markets
– Reader takes a wise longer-term view of share markets
– How some KiwiSaver providers use — and charge members for — financial advice
– Moving providers is ok in volatile markets — but ask adviser what’s in it for you
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
KiwiSaver members taking more risk
– More people move to higher-risk than move the other way
– Bigger growth in money in riskier funds
– Beyond KiwiSaver, fewer people in term deposits and bonds, and more in shares
– A listener’s letter: what should she do about falling KiwiSaver balance?
Q&As:
– How to invest while living a gypsy life — for saving for anything else
– Oops! Growth funds don’t work for short-term saving
– When your money really is goneburger
– How to pick which share platform to use
– Why 4 “good” shares are not performing well
– Worries over whisky
Q&As:
– Young have too little life insurance; old have too much
– Reader challenges my comments about picking low-fee KiwiSaver fund…
– … While a documentary backs me up
– What about the workers in big Aussie-owned banks?
– Deposit insurance scheme attacked and defended
Plus:
– Money questions? Try this
Q&As:
– Returns versus fees — which should you use to judge funds?
– Are banks safe? …
– … And should we favour NZ-owned banks?
– KiwiSaver can work well in retirement
– No, don’t try to time the markets!
– What to do after KiwiSaver drop
Q&As:
– Proposed KiwiSaver change would help, not hurt, young Mums
– Changes to KiwiSaver savings suspensions seem to be working
– Rule of 72 tells how long for an investment to double, or what return it earned
– Getting clever with bank term deposits
– What to do when facing KiwiSaver loss
Q&As:
– Buy first home when it’s right for your family, not when the markets are right
– Make sure you get government KiwiSaver contribution — and go for low fees
– Where to get info on selling a property without an agent
– Reader is angry with what I’ve said about Bitcoin
– Tricky to choose term deposits, or mortgage terms, in these changing times
– Which fund for KiwiSaver money to be used for first home deposit?
– One way to understand how market falls affect your KiwiSaver balance
– Change KiwiSaver provider at any time, if you stay with same risk level
– How to cruise through market volatility
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?
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?