Investment strategies – Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 06 Mar 2026 07:17:25 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 RNZ Radio 5 March 2026 https://maryholm.com/rnz-radio-5-march-2026/ Thu, 05 Mar 2026 02:15:55 +0000 https://maryholm.com/?p=12756 How you can invest 4 reasons not to invest in individual shares — versus share funds One exception But if you still want to … 4 rules 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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]]> 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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]]> 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 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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]]> RNZ Radio 23 October 2025 https://maryholm.com/rnz-radio-23-october-2025/ Thu, 23 Oct 2025 02:15:07 +0000 https://maryholm.com/?p=12676 Be in KiwiSaver — get the free money Get the right risk level — most important Don’t assume success will continue Diversify within one type of asset: shares, bonds Diversify over different assets Plus some listener questions Next time: The rest of the top ten — about mortgages, term deposits, timing markets, home ownership, and staying put. Listen to the segment below, or click here to read...

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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 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 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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