Bonds – Mary Holm

NZ Herald 14 February 2026

mary — Fri, 13 Feb 2026 11:00:47 +0000

How to help student financially — and KiwiSaver tip for parents of teens Reader caught in scam impersonating me Bitcoin plunge a warning for all investors — like tulip mania Where to invest proceeds from selling rental QMy daughter starts her first year of university this year and could be studying for three to five years. We have $10,000 ready to pay for her first year.

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NZ Herald 31 January 2026

mary — Fri, 30 Jan 2026 11:00:38 +0000

Note to readers: fortnightly column Couple in 70s should sell 1 of 2 rentals and relax How to invest savings in retirement … … and for other goals such as uni The power of reinvesting dividends — and when not to What if KiwiSaver access age rises? From now on this column will be published fortnightly. I’ve got books to write and other plans to keep me busy. But I still love receiving your...

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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 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 4 October 2025

mary — Fri, 03 Oct 2025 11:00:21 +0000

A bank account for a couch surfer No, it’s not me! Scam warning Reader excited by recent returns … … While another gets a little bit brave Now retired, we’re selling our rental Is renting out bach a good idea? QI don’t have any million-dollar properties, so this is probably outside of your usual area of expertise. A few years ago I was kicked out of my rental because...

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NZ Herald 13 September 2025

mary — Fri, 12 Sep 2025 12:00:32 +0000

Where to put proceeds from downsizing house Consider non-banks for term deposits — but is it easy? 2 Q&As on the best way to do health insurance Fairness and KiwiSaver contributions to over-65s Employers’ role in KiwiSaver … and one former employer’s good approach QI’ve recently downsized my house and have money to invest, which I intend to leave until I retire in 10...

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NZ Herald 9 August 2025

mary — Fri, 08 Aug 2025 12:00:12 +0000

Why rental property is not a great retirement investment What about commercial property? How to handle money when husband going into care Help available for the retired Rule of 72 — when debt doubles QFrom Peter Lewis, vice president of New Zealand Property Investors Federation: Owning residential property in retirement remains a smart and resilient strategy, especially in the face of inflation...

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RNZ Radio 5 June 2025

mary — Thu, 05 Jun 2025 03:15:34 +0000

7 questions to test your financial knowledge How to do test at your own pace, and get explanations of the answers 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 you. All Kiwis deserve accurate, unbiased financial guidance.

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NZ Herald 24 May 2025

mary — Fri, 23 May 2025 12:00:24 +0000

What, exactly, are bonds? And are they safe? Are bonds no longer behaving as they should? Industry man defends gold Just 2 KiwiSaver providers won’t let you do this Last week’s correspondent “naïve” about tax on rental income QWhy will no one explain all the jargon that surrounds bonds? I have asked you about three or four times to explain bonds, I have asked my stockbroker to explain bonds...

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NZ Herald 17 May 2025

mary — Fri, 16 May 2025 12:00:17 +0000

Gold not the answer for this reader “Should I or shouldn’t I reduce risk?” Couple’s tax idea not fair A reverse mortgage in a retirement village? Can move KiwiSaver overseas with you QI am aged 72, retired two years ago. I have a mortgage-free unit worth about $650,000, and $114,000 in a KiwiSaver conservative fund. I’m too scared to look at the balance as it will have dropped. I also have $40...

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