Investment returns – Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Thu, 12 Feb 2026 11:15:48 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 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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]]> RNZ Radio 5 February 2026 https://maryholm.com/rnz-radio-5-february-2026/ Thu, 05 Feb 2026 02:10:51 +0000 https://maryholm.com/?p=12745 Recently all down lots. Why? Gold compared with shares long term — not good Can be good diversification — but in a small way 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...

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]]> RNZ Radio 18 December 2025 https://maryholm.com/rnz-radio-18-december-2025/ Thu, 18 Dec 2025 02:15:46 +0000 https://maryholm.com/?p=12731 Questions from listeners on this Also a question on whether you can make faster repayments on a fixed term mortgage 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 6 December 2025 https://maryholm.com/nz-herald-6-december-2025/ Fri, 05 Dec 2025 11:00:40 +0000 https://maryholm.com/?p=12720 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 20 November 2025 https://maryholm.com/rnz-radio-20-november-2025/ Thu, 20 Nov 2025 02:15:37 +0000 https://maryholm.com/?p=12700 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 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 4 October 2025 https://maryholm.com/nz-herald-4-october-2025/ Fri, 03 Oct 2025 11:00:21 +0000 https://maryholm.com/?p=12663 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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]]> RNZ Radio 25 September 2025 https://maryholm.com/rnz-radio-25-september-2025/ Thu, 25 Sep 2025 03:15:24 +0000 https://maryholm.com/?p=12657 But first: 10th anniversary of this segment coming up. Here’s how to win a book! Research shows 2024 was a great year for NZ-based world share funds… … and NZ share funds did well too But was your fund’s performance all that strong? Most funds did worse than the share index. Especially true with long-term returns Adjustments for survivorship bias — many funds closed down...

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]]> NZ Herald 13 September 2025 https://maryholm.com/nz-herald-13-september-2025/ Fri, 12 Sep 2025 12:00:32 +0000 https://maryholm.com/?p=12646 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 16 August 2025 https://maryholm.com/nz-herald-16-august-2025/ Fri, 15 Aug 2025 12:00:20 +0000 https://maryholm.com/?p=12603 A way to build family wealth When a couple of percentage points matters Don’t drop health insurance … … how much in savings do you need if you do? When you should and shouldn’t switch risk level Timing markets not as easy as it sounds QMy son and I have been talking about long-term family financial security. He wrote the following and asked for my thoughts.

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