Mary Holm https://maryholm.com NZ’s most trusted personal finance journalist Fri, 16 Aug 2019 11:38:43 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.2 NZ Herald 17 August 2019 https://maryholm.com/nz-herald-17-august-2019/ Fri, 16 Aug 2019 12:00:41 +0000 https://maryholm.com/?p=9422 Reader timing market — but the better way. And making huge KiwiSaver contributions 1% KiwiSaver contribution rate would help those on low incomes MSD oppressive, says reader, but her points don’t all hold up Reader thanks his Mum, MSD and me for getting good Super QA 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...

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NZ Herald 10 August 2019 https://maryholm.com/nz-herald-10-august-2019/ Fri, 09 Aug 2019 12:00:25 +0000 https://maryholm.com/?p=9416 How KiwiSaver works for someone on minimum wage Reader using KiwiSaver money soon for first home shouldn’t be in growth fund Suggestions for beneficiary who got inheritance … … and a further question from him Reader saddened by last week’s comment on beneficiary QI would be interested in your thoughts about how people struggling to live on the minimum wage can participate in KiwiSaver.

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RNZ Radio 8 August 2019 https://maryholm.com/rnz-radio-8-august-2019/ Thu, 08 Aug 2019 03:15:23 +0000 https://maryholm.com/?p=9414 Research looks at type of fund, contribution rate, returns, luck, stickability and fees What you can do about each of these Main messages 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. Mary Holm is a freelance journalist, a director of Financial Services Complaints Ltd (FSCL)...

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NZ Herald 3 August 2019 https://maryholm.com/nz-herald-3-august-2019/ Fri, 02 Aug 2019 12:00:43 +0000 https://maryholm.com/?p=9409 Don’t move your money because of Brexit fears — or any other fears KiwiSaver details for those turning 18 or 65 Your bank isn’t necessarily your best KiwiSaver provider. How to find out “Unlucky” reader lucky she took out loss of income insurance Reader giving non-beneficiaries a bad name Suggestion for last week’s beneficiary not good for two reasons QI have my retirement savings mostly in...

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NZ Herald 27 July 2019 https://maryholm.com/nz-herald-27-july-2019/ Fri, 26 Jul 2019 12:00:13 +0000 https://maryholm.com/?p=9393 Difficult for beneficiary to gain from inheritance Is there anything in KiwiSaver for retirees? … … Reader replies to that, but worries me Does KiwiSaver beat other funds in retirement? 2 readers have fun with last week’s tiny tax refund letter QAs a 51-year-old male I have spent about 16 years on an invalid’s benefit supplemented by an independent living allowance. I typically would receive from...

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RNZ Radio 25 July 2019 https://maryholm.com/rnz-radio-25-july-2019/ Thu, 25 Jul 2019 03:11:48 +0000 https://maryholm.com/?p=9389 What is it? Why it can be hard psychologically How to rebalance Who does the research? NZ in last year’s small downturn US in two market crashes Conclusion — stick with passive 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. Mary Holm is a freelance journalist...

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NZ Herald 20 July 2019 https://maryholm.com/nz-herald-20-july-2019/ Fri, 19 Jul 2019 12:00:15 +0000 https://maryholm.com/?p=9371 Italy is bad for bureaucracy, but how about Kiwi girl getting 4¢ tax refund? Do retirement investment “rules” change if you have big savings? No we don’t want to reduce picture with column! Company that performed badly last century doing well now QI read with interest and sympathy the recent letter submitted by the folk planning to buy a home in Italy. I have a close relative who lives there and I...

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NZ Herald 13 July 2019 https://maryholm.com/nz-herald-13-july-2019/ Fri, 12 Jul 2019 12:00:45 +0000 https://maryholm.com/?p=9330 Should couple in their 40s splash out on an Italian holiday home? How to invest savings 5 years before retirement 3 rules of thumb on how much to spend in retirement … … And how they apply to one couple QI just read your recent column when you stated “There’s got to be more to life than life insurance, mortgages and tax. Please.” My husband and I are considering buying a dream holiday...

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RNZ Radio 11 July 2019 https://maryholm.com/rnz-radio-11-july-2019/ Thu, 11 Jul 2019 03:15:28 +0000 https://maryholm.com/?p=9333 NZ share market is booming — affects mid-risk and higher-risk KiwiSaver investors Should you move your money out before the inevitable crash? What happens after the share market drops? Why recoveries tend to be fast How to cope with an up and down investment 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 6 July 2019 https://maryholm.com/nz-herald-6-july-2019/ Fri, 05 Jul 2019 12:00:12 +0000 https://maryholm.com/?p=9326 Mum’s single-share investment a huge disappointment How to organize savings in retirement … … and how not to Knicker drawer a great spot for share investment QMy Mum bought 1000 shares for $2150 in CDL Investments in 1980. It was a scheme by her employer, Canterbury Frozen Meat, where employees were offered an interest-free loan to buy shares. Mum chose to reinvest any dividends, and as of today...

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