My top 10 money tips — Part 2

  • 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.

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Mary Holm, ONZM, is a freelance journalist, a seminar presenter and a bestselling author on personal finance. She is a director of Financial Services Complaints Ltd (FSCL) and a former director of the Financial Markets Authority. Her opinions are personal, and do not reflect the position of any organisation in which she holds office. Mary’s advice is of a general nature, and she is not responsible for any loss that any reader may suffer from following it. Send questions to [email protected] or click here. Letters should not exceed 200 words. We won’t publish your name. Please provide a (preferably daytime) phone number. Unfortunately, Mary cannot answer all questions, correspond directly with readers, or give financial advice.