Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 28 Mar 2025 10:02:45 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 NZ Herald 29 March 2025 https://maryholm.com/nz-herald-29-march-2025/ Fri, 28 Mar 2025 11:00:39 +0000 https://maryholm.com/?p=12417 Put inheritance in finance company deposits? Should badly advised readers hire a lawyer? Bad advice ruined retirement Tax deductions might help couple Spend savings before postponing rates Psychology and selling gradually KiwiSaver funds usually unit trusts The maths of dollar cost averaging QI am wondering if you are doing a current update on investing, considering gold’s rise etc etc.

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RNZ Radio 27 March 2025 https://maryholm.com/rnz-radio-27-march-2025/ Thu, 27 Mar 2025 02:10:21 +0000 https://maryholm.com/?p=12416 Mortgage interest rates are falling. Huge rewards from keeping up old payments. 3 different types of mortgages — offset, redrawable and revolving credit, and who they work well for. Reduce term of mortgage — eg from 30 to 25 or 20 years. Makes a big difference. Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts.

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NZ Herald 22 March 2025 https://maryholm.com/nz-herald-22-march-2025/ Fri, 21 Mar 2025 11:00:24 +0000 https://maryholm.com/?p=12412 Couple should complain about adviser — and sell investment This trick doesn’t work for selling Where to get help on veterans’ pensions Apartment prices haven’t grown as fast 2 ways for retirees to delay paying rates How retirement spending rule works QWe’re considering exiting an investment, but if we do we’d be realising a loss. But there’s a risk the loss could be bigger if we...

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NZ Herald 15 March 2025 https://maryholm.com/nz-herald-15-march-2025/ Fri, 14 Mar 2025 11:00:12 +0000 https://maryholm.com/?p=12404 Pensions available for ex-servicemen and women — and their partners A reverse mortgage can work well Reader dislikes house price falls 2 Q&As on budget of retirees who live on NZ Super and save… … and should they be getting allowance? 2 Q&As on spending in your nineties Is Super included in retirement spending “rules”? Don’t bail out of KiwiSaver in turbulent times QA friend mentioned that...

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RNZ Radio 13 March 2025 https://maryholm.com/rnz-radio-13-march-2025/ Thu, 13 Mar 2025 02:15:29 +0000 https://maryholm.com/?p=12403 A listener’s email about children’s KiwiSavers, but it applies to everyone Don’t judge performance over short periods Stick with growth fund if not spending the money soon Contributing in downturns is a plus! How to support children and young adults in KiwiSaver Answers to listener Qs on KiwiSaver and market volatility Listen to the segment below, or click here to read Radio NZ’s summary.

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NZ Herald 8 March 2025 https://maryholm.com/nz-herald-8-march-2025/ Fri, 07 Mar 2025 11:00:22 +0000 https://maryholm.com/?p=12394 How to stop your heirs selling a family treasure Couple lives on NZ Super, and saves $100 a week Managed funds or term deposits How much is needed to retire early? Do houses outgrow KiwiSaver? QReading your Q&As on dividing inheritance reminded me of a recent Seven Sharp segment about New Zealand art sales at the International Art Centre. To my surprise, a family heirloom—a Goldie painting we...

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NZ Herald 1 March 2025 https://maryholm.com/nz-herald-1-march-2025/ Fri, 28 Feb 2025 11:00:06 +0000 https://maryholm.com/?p=12387 Should teen become a landlord — as house prices wobble? Last week’s NZ Super idea not so super Inheritances should be taxed Reader gave inheritance to her brother Is it really cheaper to be a single retiree? Kind words for property investment firm QI am a single parent of an 18-year-old. We recently came into an inheritance. I have used part of my inheritance to pay off my mortgage.

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RNZ Radio 27 February 2025 https://maryholm.com/rnz-radio-27-february-2025/ Thu, 27 Feb 2025 02:15:34 +0000 https://maryholm.com/?p=12384 Join. And keep contributing. What 2 years delay can cost you. Use a higher-risk fund — usually. You will probably end up with much more. Choose a low-fee fund. The wide range of fees, and the difference it makes. Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts. Subscribe free to Mary’s RNZ podcast here. No paywalls or ads —...

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NZ Herald 22 February 2025 https://maryholm.com/nz-herald-22-february-2025/ Fri, 21 Feb 2025 11:00:42 +0000 https://maryholm.com/?p=12380 Should the son inherit more? Were the old days really better for women? “Fairer” NZ Super could be a nightmare Are over 65s really working more? Investment firm defends their numbers QLast week’s letter regarding boys getting the lion’s share of parental financial help really got to me. We were financially very secure, we put both son and daughter through private schools. Our daughter flew high...

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NZ Herald 15 February 2025 https://maryholm.com/nz-herald-15-february-2025/ Fri, 14 Feb 2025 11:00:03 +0000 https://maryholm.com/?p=12370 Couple support sons more than daughters Grandparents’ support comes with conditions Best place to keep emergency money Making retirement savings totals clearer Is my rule of thumb any good? QHelp me understand a generation that believes only the sons of the family should get help to buy their first house (and they now live in blue chip areas due to property gains), daughters not helped and who now...

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