Q: A downturn in stock markets is a good time to double up investing in KiwiSaver! I am putting away 6 per cent through salary and adding 12 per cent extra through direct debit, as I have 20 years until I can access KiwiSaver.

A: Your email came in last week, when the New Zealand sharemarket and others around the world were wobbling — but it was too late for my last column. Since then, the markets have settled down, or at least they had when I wrote this. By the time you read it, who knows?

As I


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