Shares and share funds – Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 19 Dec 2025 15:43:37 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 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 13 December 2025 https://maryholm.com/nz-herald-13-december-2025/ Fri, 12 Dec 2025 11:00:15 +0000 https://maryholm.com/?p=12724 How 22-year-old should handle inheritance Could NZ funds fail, as they did in Australia? Sell 80-year-old’s home, or get reverse mortgage? And is 75 too young for such a mortgage? How much caution in retirement? QMy mother recently passed away and I, along with my siblings, have received an inheritance which I feel anxious about doing right with. I am only 22 years old. I now own a third of...

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]]> NZ Herald 22 November 2025 https://maryholm.com/nz-herald-22-november-2025/ Fri, 21 Nov 2025 11:00:16 +0000 https://maryholm.com/?p=12706 House-sitting their way to home ownership — and keeping debt down Gold v share funds v rental property Is burying your gold a good idea? Unusual Simplicity fund investments Correction on share fund tax QI’m a 33-year-old woman and house-sit full-time with my partner to save paying rent. We are currently waiting to finalise the purchase of 825 square metres of land, which we expect to settle...

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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 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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