Mary Holm https://maryholm.com NZ’s most trusted personal finance journalist Fri, 14 Jun 2019 05:43:59 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.1 NZ Herald 15 June 2019 https://maryholm.com/nz-herald-15-june-2019/ Fri, 14 Jun 2019 12:00:30 +0000 https://maryholm.com/?p=9310 Caravan couple’s plans for their savings seem too risky How to find a cash fund — an accessible alternative to a term deposit Why international investing is not as complicated or risky as reader thinks Minimum KiwiSaver contributions for non-earners hoping to get first home grant How would you improve KiwiSaver? 2 reminders about KiwiSaver QWe are a couple in our late 50s, currently living in our...

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RNZ Radio 13 June 2019 https://maryholm.com/rnz-radio-13-june-2019/ Thu, 13 Jun 2019 03:14:26 +0000 https://maryholm.com/?p=9307 2 milestones reached Act NOW! — Just 2 weeks to get maximum government contribution, and for 60–64s to get a good deal KiwiSaver statements getting better — and better still next year Improved KiwiSaver health checker How would you improve KiwiSaver? 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...

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NZ Herald 8 June 2019 https://maryholm.com/nz-herald-8-june-2019/ Fri, 07 Jun 2019 12:00:57 +0000 https://maryholm.com/?p=9300 How 71-year-old renter could use her savings to supplement NZ Super Reader dislikes ‘free government money’ and KiwiSaver hardship withdrawals Nobody can predict the share market, so don’t try to time it Info on KiwiSaver returns is available, but not a lot of use QDue to a change in circumstances I find myself renting for the first time in my life. I am 71 and worried what to do re making my...

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NZ Herald 1 June 2019 https://maryholm.com/nz-herald-1-june-2019/ Fri, 31 May 2019 12:00:42 +0000 https://maryholm.com/?p=9292 Stick with mostly global shares, despite NZ’s recent great performance Time to top up for KiwiSaver government contribution — and how to work out your contributions Money gift from father won’t affect using KiwiSaver to buy first home KiwiSaver investment choices much wider than reader thinks QI set up my share portfolio starting about eight years ago mainly in Smartshares. It is very diversified...

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RNZ Radio 30 May 2019 https://maryholm.com/rnz-radio-30-may-2019/ Thu, 30 May 2019 03:15:41 +0000 https://maryholm.com/?p=9288 A survey suggests New Zealanders don’t get it. What investments give the highest returns? What do we mean by risk? Who should take investment risk? 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...

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NZ Herald 25 May 2019 https://maryholm.com/nz-herald-25-may-2019/ Fri, 24 May 2019 12:00:03 +0000 https://maryholm.com/?p=9276 Should would-be first home buyers stay out of the market? Grab the chance to save for first home Reader’s KiwiSaver fees way higher than some providers’ fees No need to move gradually from one share fund to another QAs you’re likely aware the housing market has turned in Auckland in particular. Although we have only seen mild house price declines, auction clearance rates are abysmal and house...

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NZ Herald 18 May 2019 https://maryholm.com/nz-herald-18-may-2019/ Fri, 17 May 2019 12:00:59 +0000 https://maryholm.com/?p=9273 Reader disagrees with my views on inheritances KiwiSaver index funds, and performance of NZ share index Choose risk level first, then go for low fees A penny saved is better than a penny earned QI have listened to many of your on air interviews and read several of your articles over the years. While I agree with your views on most things, I was disappointed and surprised to read that you believed...

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RNZ Radio 16 May 2019 https://maryholm.com/rnz-radio-16-may-2019/ Thu, 16 May 2019 03:15:25 +0000 https://maryholm.com/?p=9270 The importance of being able to get out of investments: Which investments are easy to cash up, and which are not The costs of selling The importance of not being forced to sell: Do a worst case scenario The risks of borrowing to invest 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.

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NZ Herald 11 May 2019 https://maryholm.com/nz-herald-11-may-2019/ Fri, 10 May 2019 12:00:51 +0000 https://maryholm.com/?p=9267 Should solo mum keep her house and rent it out while moving to better school zone? Invest in share fund or pay off mortgage? No government guarantee of future NZ Super, but don’t worry about it Why a KiwiSaver growth fund invests lots in fixed interest QI’m at a crossroads. I currently own a house and have decided to move to a different school zone no later than next year to keep my child...

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NZ Herald 4 May 2019 https://maryholm.com/nz-herald-4-may-2019/ Fri, 03 May 2019 12:00:55 +0000 https://maryholm.com/?p=9264 Comparing KiwiSaver funds with indexes a great idea — but can it be done well? Compound interest starts small, but after a few years … Pay down mortgage or invest elsewhere for children? Don’t forget accommodation when weighing up investment in your home Reader very happy with ASB service QI recently looked at my latest KiwiSaver update. I am with a provider (in an active growth fund) that has won...

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