No Stupid Questions with Susan Edmunds

Can I invest in gold through my KiwiSaver? Will I still get my pension if I live on my boat? And what is a disappointment gap?

Questions this week for Susan:
00.54 Can I invest in gold through my KiwiSaver?
02.39 I qualify for superannuation but still have a mortgage. Will that affect my tax rate?
04.31 Can my employer deduct KiwiSaver my from my hourly rate of pay?
07.20 If I live on my yacht, can I still claim superannuation?
08.55 Do I pay GST on capital gains?
10.43 What is the 'Disappointment Gap'?
12.24 Audience Q&A for the week: in what year did waterbeds and wine cooler drop out of the Consumer Price Index?
Expert input this week came from Greg Smith at Generate, Anne-Marie Lockyer at Pie Funds, GST expert Alan Bullot and Shamubeel Eaquab from Simplicity.
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

No Stupid Questions with Susan Edmunds will be back online, on-air and in your feed from late-January 2026. If you have a money question you'd like Susan to answer, put it in an email or send us a voice recording to [email protected].

Go to this episode on rnz.co.nz for more details

My tradie asked to be paid in cash...will that get me in trouble with the IRD? Where's the best place to keep an emergency fund? And are rewards points really worth it?
Episode details
Questions this week for Susan:
Where should I put my emergency money, in a manged fund, term deposit or just a bank account?
When the Reserve Bank changes the official cash rate, where does the extra money I pay on my mortgage go?
Which kinds of KiwiSaver funds are seeing the most hardship withdrawals?
If I'm paying a surcharge on my credit card, does that cost more than the Hot Points I earn?
If a tradie asks me to pay in cash, can I get in trouble with the IRD?
Audience Q&A for the week: what sort of increase in spending is normal at Christmas?
Expert input this week came from Dean Anderson at Kernel, David Cunningham at Squirrel, investment adviser Jeremy Sullivan and Robyn Walker at Deloitte.
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

If you die without family, what happens to your KiwiSaver? Is it fair that a household with one high earner pays more tax than one with two average earners? And what is productivity and why does it matter to the average New Zealander who’s just focused on getting their own job done?
Questions this week for Susan:
What are tenants not allowed to do?
When it comes to tax, what's the difference between boarders and flatmates?
What is productivity and are we really so bad at it?
Is it fair that a household with one high earner pays more tax than one with two average earners?
Audience Q&A for the week: when the Student Loan Scheme was first set up, what was the rate of interest?
Expert input this week came from Brad Olsen at Infometrics.
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

A lot of people put money away for their children's future. But is a savings account the best way to do that? And if I invest in the sharemarket, is a growth fund too risky? Do I play it safe or go for gold?
Episode details
Questions this week for Susan:
00.00 What is a capital change notice?
00.00 Why do petrol pumps warn you that a hold being placed on your credit card?
0.00 What has happened to my late daughter's Australian super?
00.00 Should I save or invest for my child's future?
00.00 Audience Q&A for the week.
Expert input this week came from Rupert Carlyon from Kiwisaver provider Koura, and Ana-Marie Lockyer at Pie Funds,
If you have a money question you'd like Susan to try and 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