Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 02 May 2025 11:32:50 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 NZ Herald 3 May 2025 https://maryholm.com/nz-herald-3-may-2025/ Fri, 02 May 2025 12:00:41 +0000 https://maryholm.com/?p=12515 Don’t get too confident about your investment skills A way to compare paying down mortgage vs shares Home loans get easier over time Putting “princely sums” in context KiwiSaver returns over a decade How banks lend to retired people Move to new provider, at same risk, any time QI am determined to pass away with all, or as much as possible, of my savings intact, having lived on the interest.

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NZ Herald 26 April 2025 https://maryholm.com/nz-herald-26-april-2025/ Fri, 25 Apr 2025 12:00:53 +0000 https://maryholm.com/?p=12504 Home ownership v shares KiwiSaver funds beat inflation Deposit compensation list released Should woman borrow more than she needs? Where to get into on reverse mortgages and home reversion Boost KiwiSaver contributions any time Shorter questions please Q“There really are two kinds of people in this country; those who would rather own their home outright, even though the math shows that you’d...

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RNZ Radio 24 April 2025 https://maryholm.com/rnz-radio-24-april-2025/ Thu, 24 Apr 2025 03:15:37 +0000 https://maryholm.com/?p=12503 Marriage Debt Budgeting Investments Less conventional investments Saving for children 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, unbiased financial guidance. So let’s keep it free.

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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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