Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 18 Apr 2025 08:58:56 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 NZ Herald 19 April 2025 https://maryholm.com/nz-herald-19-april-2025/ Fri, 18 Apr 2025 12:00:25 +0000 https://maryholm.com/?p=12499 How to be fair with gifts to children for home purchases When share investments might not do well over a decade Challenging a family trust distribution Why reverse mortgage interest rates are higher A mortgage fund versus term deposits Winners in book giveaway QSome years ago we gifted money to our son to assist in purchasing a home. Now that we want to do the same for a second son...

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NZ Herald 12 April 2025 https://maryholm.com/nz-herald-12-april-2025/ Fri, 11 Apr 2025 12:00:16 +0000 https://maryholm.com/?p=12481 He quit KiwiSaver before the downturn, but what now? Conservative fund versus term deposits Finance company interest rates after Depositor Compensation starts Wisdom from her Scottish forebears An alternative to reverse mortgages…. … and the 2 options compared WIN A BOOK! QPhew, good thing I divested from KiwiSaver a little while ago, and went into bank term deposits. AOkay, I’ll admit your timing...

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RNZ Radio 10 April 2025 https://maryholm.com/rnz-radio-10-april-2025/ Thu, 10 Apr 2025 03:15:12 +0000 https://maryholm.com/?p=12480 Comments on market turbulence Keep contributing to KiwiSaver Listener questions Survey on ethical investing: Changing issues, who is most “ethical” 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 — just generous people like you. All Kiwis deserve accurate...

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NZ Herald 5 April 2025 https://maryholm.com/nz-herald-5-april-2025/ Fri, 04 Apr 2025 11:00:58 +0000 https://maryholm.com/?p=12424 Slow down huge mortgage payments and live a little … … Similar for couple in 60s — spend that KiwiSaver Misunderstanding about reverse mortgages Is Warren Buffett’s company still best investment? 3 Q&As on Deposit Compensation Scheme — on timing, joint accounts, KiwiSaver QI have been following your advice to pay my mortgage as quickly as possible since selling and buying a new home mid last...

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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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