Mary Holm

NZ Herald 13 December 2025

mary — Fri, 12 Dec 2025 11:00:15 +0000

How 22-year-old should handle inheritance Could NZ funds fail, as they did in Australia? Sell 80-year-old’s home, or get reverse mortgage? And is 75 too young for such a mortgage? How much caution in retirement? QMy mother recently passed away and I, along with my siblings, have received an inheritance which I feel anxious about doing right with. I am only 22 years old. I now own a third of...

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NZ Herald 6 December 2025

mary — Fri, 05 Dec 2025 11:00:40 +0000

Couple in 70s sell home to fund retirement fun While couple in 50s may choose to stay renting How young reader may get into housing market Where are those tiny KiwiSaver fees? QWe are in our early 70s, retired, and will shortly have about $1 million from the sale of our house. Does it makes more sense to tip that sum into KiwiSaver or give it to a wealth management company? We are mortgage-free...

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RNZ Radio 4 December 2025

mary — Thu, 04 Dec 2025 02:15:56 +0000

Official cash rate dropped again — and floating mortgage rate. Fewer people behind on mortgage payments Many people not reducing their payments, but using extra to pay down the loan. Makes a huge difference to total interest and how long the loan runs. 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&#

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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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