No Stupid Questions with Susan Edmunds

About a million New Zealanders are using some form of DIY share investing account to build extra wealth. In this bonus episode from the RNZ podcast Thrift, Susan joins Thrift host, Katy Gosset, to discuss how share trading apps work and we meet some fledgling investors.

You can hear more money saving tips and tricks from Thrift on the RNZ website or on your favourite podcast app.
Go to this episode on rnz.co.nz for more details

Most of us probably think we have a pretty good understanding of the pension.
You turn 65, you get it. Right?
Well, it turns out that there lots of little details that can catch you out.
We’ve had a lot of questions about the pension (or NZ Super), so we’re on a bit of a deep dive into the most common ones.
And don’t worry – this isn’t all questions for the over 65s, so stick with us if you’re not in that age bracket.
In this episode, Susan answers questions about:
If I live overseas, can I still claim a New Zealand pension?
Why does the first person in a couple turning 65 gets the sharing rate, not the full single payment?
Will the pension still be around when the next generation retire?
When I turn 65, do I have to let someone know to get the pension?
Which city in New Zealand has the most money left over after paying their mortgage, power, rates, insurance and food bills?
If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to [email protected].
Go to this episode on rnz.co.nz for more details

Where should you actually be investing now? It’s an impossibly big question but on this week’s episode of No Stupid Questions, we’re going to be attempting to answer parts of it in a bit of an investing special!
In this episode, Susan answers questions about:
Is AI any good at share picking?
Should I invest in forestry?
I want to grow my savings, but also need easy access to it. What are my options?
I didn't sell my shares in my company at the best time. Should I wait or offload them now?
I've lost the location of my crypto currency! How do I track it down?
What's my FIRE number for retiring?
What's on IRD's hold music playlist?
If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to [email protected].
Go to this episode on rnz.co.nz for more details

Say you've been trading in crypto currencies. You know if you are making money you need to declare it. But you're not making money. Instead, you're losing it. Is there a way to write those losses off against other income? We all know we should have long term savings and investments. But how much will high inflation mess around with your returns? And are there any restrictions on who can offer a KiwiSaver fund?
In this episode, Susan answers questions about:
If someone was to make a loss trading crypto how does one write those losses off against other income?
What the implications are of higher inflation on long-term savings and investment?
Is there is a vetting process determining whether a fund is allowed to be part of the KiwiSaver investment options, and, if so, what the vetting criteria might be?
Does paying tax on the employer contribution to KiwiSaver almost make it meaningless?
Despite all the uncertainty in the world, my KiwiSaver fund is rebounding. Why?
And why is the Tenancy Tribunal getting so many applications written by AI?
If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to [email protected].
Go to this episode on rnz.co.nz for more details

Say you and your ex-partner both have student loan debt. While you were together, they worked more while you were the day-to-day caregiver to your kids and reduced your employment hours.
Inevitably, their student loan is all paid off. Yours...not so much.
Then, when you separated, they refused to allow your student loan debt to be included in relationship property.
It all seems incredibly unfair. But what does the law say?

In this episode, Susan answers questions about:
Why can't the government cause a decrease in costs to the consumer by making the big companies take less profit?
Why nothing has been done to compensate for or reduce road user charges when the price of diesel is so high.?
Is student loan debt included in relationship property?
If I don't qualify for the Australian pension can I get NZ Super instead?
How long do I have to have lived in New Zealand to qualify for Superannuation?
And active or passive wealth managers - which are getting the best returns?
If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to [email protected].
Go to this episode on rnz.co.nz for more details