Mary Holm

NZ Herald 29 November 2025

mary — Fri, 28 Nov 2025 11:00:48 +0000

Good and bad debt — and when good debt goes bad Cryptocurrency hugely volatile, not for the short term Aliens’ view of gold investments KiwiSaver first home withdrawal when buying bare land Meaningful Christmas presents QIn your last column you repeated the usual mainstream advice of paying down debt before investing. Have you read any of the Value of Debt series by Thomas Anderson?

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NZ Herald 22 November 2025

mary — Fri, 21 Nov 2025 11:00:16 +0000

House-sitting their way to home ownership — and keeping debt down Gold v share funds v rental property Is burying your gold a good idea? Unusual Simplicity fund investments Correction on share fund tax QI’m a 33-year-old woman and house-sit full-time with my partner to save paying rent. We are currently waiting to finalise the purchase of 825 square metres of land, which we expect to settle...

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RNZ Radio 20 November 2025

mary — Thu, 20 Nov 2025 02:15:37 +0000

Email from woman with mortgage-free house challenging my statement about renting being cheaper than home ownership Text from man challenging what I say about active fund management 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...

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NZ Herald 15 November 2025

mary — Fri, 14 Nov 2025 11:00:13 +0000

Is it time to move out of growth funds? Bank KiwiSaver funds not in compensation scheme Gold v shares? What about costs? Preference shares not an alternative for term deposits QI’m reading a lot about the AI tech stock bubble heading towards bursting and bringing the markets down with it. Now I have always followed your “hold your nerve through the bad time” approach.

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NZ Herald 8 November 2025

mary — Fri, 07 Nov 2025 11:00:58 +0000

How gold compares with shares over the short and long term Property fund wrong for 92-year-old Is this a good time to reduce KiwiSaver risk? Cash fund? Term deposits? A bit of both Reader unfair about last week’s Q&A QI started investing in gold when I was 9, with one gold coin gifted by my aunt. During my working life, I remembered her advice to always ensure that part of my portfolio...

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RNZ Radio 6 November 2025

mary — Thu, 06 Nov 2025 02:15:36 +0000

Diversify mortgage types and terms Ladder term deposits Don’t time markets — despite current trends. Keep drip feeding in KiwiSaver and elsewhere Don’t have to own a home to do well financially. Get set up and stay put: kill debt, have emergency fund, right investments for you. Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions...

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NZ Herald 1 November 2025

mary — Fri, 31 Oct 2025 11:00:57 +0000

Splurging in retirement not so bad Government’s unrealistic expectations on KiwiSaver Index funds are not for the short term 2 Q&As on cash fund investments and risk QI thought I would tell you my story of not being careful with money. We sold a property in Auckland 10 years ago. We came down to the Coromandel and thought it would be a nice place to live. We bought a two-storey house in...

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NZ Herald 25 October 2025

mary — Fri, 24 Oct 2025 11:00:33 +0000

Reader gets no gain from being in KiwiSaver 2 Q&As about last week’s retired couple planning to sell their home and rent Who offers “build-to-rent” properties? Reader challenges 4.6% on a term deposit QI have recently started working for an employer who treats KiwiSaver employer contributions as part of total remuneration, or salary sacrifice. And I am fortunate or...

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RNZ Radio 23 October 2025

mary — Thu, 23 Oct 2025 02:15:07 +0000

Be in KiwiSaver — get the free money Get the right risk level — most important Don’t assume success will continue Diversify within one type of asset: shares, bonds Diversify over different assets Plus some listener questions Next time: The rest of the top ten — about mortgages, term deposits, timing markets, home ownership, and staying put. Listen to the segment below, or click here to read...

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NZ Herald 18 October 2025

mary — Fri, 17 Oct 2025 11:00:00 +0000

Retirees plan to sell home, rent, and have fun How compensation works if finance company fails Your KiwiSaver tax rate is checked by Inland Revenue Clarification on tax when you rent out your bach QDo you see anything wrong with this scenario? My wife and I are in our early 70s, with limited savings and a mortgage-free house that is worth around $750,000 in today’s market. So we can do more...

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