Today's letters: should extra money go on the mortgage, or into KiwiSaver? And how best to invest for the children's future?
Unlisted passive funds and ETFs have given investors a wider range of investment opportunities, although there's no conclusive evidence in NZ that they outperformed active funds.
The red hot housing market is a thing of the past, as more houses hit the market and buyers adapt to the higher interest rate environment.
The interest rate hikes will cause pain for many New Zealanders, but not doing anything would have been worse.