Cash funds – Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Sat, 31 Jan 2026 15:42:14 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 NZ Herald 31 January 2026 https://maryholm.com/nz-herald-31-january-2026/ Fri, 30 Jan 2026 11:00:38 +0000 https://maryholm.com/?p=12737 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 https://maryholm.com/nz-herald-15-november-2025/ Fri, 14 Nov 2025 11:00:13 +0000 https://maryholm.com/?p=12694 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 https://maryholm.com/nz-herald-8-november-2025/ Fri, 07 Nov 2025 11:00:58 +0000 https://maryholm.com/?p=12690 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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]]> NZ Herald 1 November 2025 https://maryholm.com/nz-herald-1-november-2025/ Fri, 31 Oct 2025 11:00:57 +0000 https://maryholm.com/?p=12684 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 6 September 2025 https://maryholm.com/nz-herald-6-september-2025/ Fri, 05 Sep 2025 12:00:44 +0000 https://maryholm.com/?p=12641 Deposit compensation up and running What if someone pulls out of the scheme? KiwiSaver total remuneration defended What’s fair for over-65s in KiwiSaver? Total remuneration tempts people, who will later regret it Best way to self insure for health costs Couple has been lucky with health — so far! QI was following with interest the moves to introduce savings guarantees...

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]]> NZ Herald 23 August 2025 https://maryholm.com/nz-herald-23-august-2025/ Fri, 22 Aug 2025 12:00:01 +0000 https://maryholm.com/?p=12625 Scam warning Good way to help family members with a mortgage Don’t try to predict share crashes — it doesn’t work 2 Q&As on why you may not need health insurance A Facebook page and an entry in Instagram have recently appeared claiming to be mine, and suggesting people join me in some investments. I have nothing to do with this, and I’m trying to get it taken down.

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]]> NZ Herald 9 August 2025 https://maryholm.com/nz-herald-9-august-2025/ Fri, 08 Aug 2025 12:00:12 +0000 https://maryholm.com/?p=12595 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 13 March 2025 https://maryholm.com/rnz-radio-13-march-2025/ Thu, 13 Mar 2025 02:15:29 +0000 https://maryholm.com/?p=12403 A listener’s email about children’s KiwiSavers, but it applies to everyone Don’t judge performance over short periods Stick with growth fund if not spending the money soon Contributing in downturns is a plus! How to support children and young adults in KiwiSaver Answers to listener Qs on KiwiSaver and market volatility Listen to the segment below, or click here to read Radio NZ’s summary.

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]]> NZ Herald 8 March 2025 https://maryholm.com/nz-herald-8-march-2025/ Fri, 07 Mar 2025 11:00:22 +0000 https://maryholm.com/?p=12394 How to stop your heirs selling a family treasure Couple lives on NZ Super, and saves $100 a week Managed funds or term deposits How much is needed to retire early? Do houses outgrow KiwiSaver? QReading your Q&As on dividing inheritance reminded me of a recent Seven Sharp segment about New Zealand art sales at the International Art Centre. To my surprise, a family heirloom—a Goldie painting we...

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]]> NZ Herald 23 November 2024 https://maryholm.com/nz-herald-23-november-2024/ Fri, 22 Nov 2024 11:00:41 +0000 https://maryholm.com/?p=12305 Couple has more than enough for retirement Gold gains taxed when you sell Not everyone tries to dodge tax Tax land rather than gains… …or tax financial transactions A different deal for tenants in Germany QWe are a couple married for 48 years. I’m 72 and my wife is 69. She is retired and I continue to work earning a salary of $200,000 in a demanding, but nonetheless enjoyable job. We own a modern...

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