Children and money – Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 03 Jul 2026 13:13:42 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 NZ Herald 4 July 2026 https://maryholm.com/nz-herald-4-july-2026/ Fri, 03 Jul 2026 12:00:12 +0000 https://maryholm.com/?p=12826 How to make KiwiSaver more universal Would KiwiSaver compulsion hurt early retirees? Should Mum switch providers? 64-year-olds told to apply for NZ Super How much foreign pensions help NZ Super QI’m concerned about some aspects of the National Party election policy in respect of KiwiSaver. In particular, the intention (if National is re-elected) to make the participation in KiwiSaver...

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]]> RNZ Radio 11 June 2026 https://maryholm.com/rnz-radio-11-june-2026/ Thu, 11 Jun 2026 03:15:16 +0000 https://maryholm.com/?p=12811 Increasing calls to change this Lower income people less likely to contribute Hardship withdrawals increase Suggestions: children’s accounts, change govt incentives, contributions to beneficiaries, sidecar accounts 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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]]> RNZ Radio 30 April 2026 https://maryholm.com/rnz-radio-30-april-2026/ Thu, 30 Apr 2026 03:15:31 +0000 https://maryholm.com/?p=12785 ACT idea: $500 to every Year 11 student. Learn about investing. Reward at end. My change 1: Govt pays 3.5% KiwiSaver contributions for beneficiaries. My change 2: Sidecar KiwiSaver accounts to use in emergencies. 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 28 March 2026 https://maryholm.com/nz-herald-28-march-2026/ Fri, 27 Mar 2026 11:00:03 +0000 https://maryholm.com/?p=12765 Where to put money for new grandchild Could retiree be “forced” to sell shared land? How one family funded children’s uni Watching caravans turning! Sad story about selling house to neighbour… … and happy one Alternative to reverse mortgage Appearance at Auckland Writers Festival I will be appearing at the Auckland Writers Festival, at 2.30 to 3.30 pm on Saturday May 16...

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]]> RNZ Radio 19 March 2026 https://maryholm.com/rnz-radio-19-march-2026/ Thu, 19 Mar 2026 02:15:25 +0000 https://maryholm.com/?p=12763 Employee and employer contributions rise from 3 to 3.5% You can get a temporary hold on this Employer contributions start for 16 and 17-year-olds How to help teens get KiwiSaver head start 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...

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]]> NZ Herald 14 March 2026 https://maryholm.com/nz-herald-14-march-2026/ Fri, 13 Mar 2026 11:00:04 +0000 https://maryholm.com/?p=12758 Should 78-year-old sell her home to neighbours and rent from them? Life insurance no longer needed Does CPI inflation include surcharges? Modern caravans not like the old days Many ideas for spending inheritance 2 Q&As on ethics around student loans QMy mum (78) lives alone in a house in Sandringham worth about $1.5 million. She’s currently still working full time but probably not for...

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]]> NZ Herald 14 February 2026 https://maryholm.com/nz-herald-14-february-2026/ Fri, 13 Feb 2026 11:00:47 +0000 https://maryholm.com/?p=12747 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 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 25 October 2025 https://maryholm.com/nz-herald-25-october-2025/ Fri, 24 Oct 2025 11:00:33 +0000 https://maryholm.com/?p=12679 Reader gets no gain from being in KiwiSaver 2 Q&As about last week’s retired couple planning to sell their home and rent Who offers “build-to-rent” properties? Reader challenges 4.6% on a term deposit QI have recently started working for an employer who treats KiwiSaver employer contributions as part of total remuneration, or salary sacrifice. And I am fortunate or...

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]]> NZ Herald 20 September 2025 https://maryholm.com/nz-herald-20-september-2025/ Fri, 19 Sep 2025 12:00:42 +0000 https://maryholm.com/?p=12654 Buying a rental not a good idea for 69-year-old A way for kids’ KiwiSavers to grow fast Fund closures worry a reader Trusts and other depositors covered by compensation scheme Smart device required for this bank account QMy father has never been into the money part. He is 69, a single pensioner in a fully paid for home, and has around $30,000 of savings he’s itching to do something...

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