Q&As:
– A bank account for a couch surfer
– No, it’s not me! Scam warning
– Reader excited by recent returns …
– … While another gets a little bit brave
– Now retired, we’re selling our rental
– Is renting out bach a good idea?
Q&As:
– Money long ago forgotten
– Couple in 70s should sell bach and live it up!
– Avoid dud funds in and out of KiwiSaver
– Aftermath of a fund closing down
– Bank acknowledges complaints
Why it’s best to choose low-fee funds over high-performing funds
– But first: 10th anniversary of this segment coming up. Here’s how to win a book!
– Research shows 2024 was a great year for NZ-based world share funds…
– … and NZ share funds did well too
– But was your fund’s performance all that strong? Most funds did worse than the share index.
– Especially true with long-term returns
– Adjustments for survivorship bias — many funds closed down
– Conclusion: Outperformance doesn’t last. Choose low-fee funds.
Q&As:
– Buying a rental not a good idea for 69-year-old
– A way for kids’ KiwiSavers to grow fast
– Fund closures worry a reader
– Trusts and other depositors covered by compensation scheme
– Smart device required for this bank account
Q&As:
– Where to put proceeds from downsizing house
– Consider non-banks for term deposits — but is it easy?
– 2 Q&As on the best way to do health insurance
– Fairness and KiwiSaver contributions to over-65s
– Employers’ role in KiwiSaver
– … and one former employer’s good approach
Q&As:
– Deposit compensation up and running
– What if someone pulls out of the scheme?
– KiwiSaver total remuneration defended
– What’s fair for over-65s in KiwiSaver?
– Total remuneration tempts people, who will later regret it
– Best way to self insure for health costs
– Couple has been lucky with health — so far!
Q&As:
– Biggest KiwiSaver provider ANZ’s policy not good for employees
– Couple are perfect candidates for reverse mortgage
– Are health insurance premiums negotiable?
– Some fans of health insurance
Q&As:
– A way to build family wealth
– When a couple of percentage points matters
– Don’t drop health insurance …
– … how much in savings do you need if you do?
– When you should and shouldn’t switch risk level
– Timing markets not as easy as it sounds
Q&As:
– Why rental property is not a great retirement investment
– What about commercial property?
– How to handle money when husband going into care
– Help available for the retired
– Rule of 72 — when debt doubles
Q&As:
– KiwiSaver serious illness withdrawals not easy
– Are people doing KiwiSaver at expense of reducing their mortgage?
– Should homeowners’ mortgage interest be tax deductible?
– When choosing fund, choose lowest fees and what else?
– You can do KiwiSaver with more than one provider. Should you?
– Why rentals aren’t great in retirement
– List of KiwiSaver-exempt employers