Superannuation – Mary Holm

NZ Herald 31 January 2026

mary — Fri, 30 Jan 2026 11:00:38 +0000

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...

Source

NZ Herald 25 October 2025

mary — Fri, 24 Oct 2025 11:00:33 +0000

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...

Source

NZ Herald 13 September 2025

mary — Fri, 12 Sep 2025 12:00:32 +0000

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...

Source

NZ Herald 7 June 2025

mary — Fri, 06 Jun 2025 12:00:03 +0000

You’ve done well, but don’t lose compassion Spending seems to rise in retirement? Living on NZ Super — with plan for health costs Not Planning on Home Ownership QAs immigrants, we had to start all over again, with two preschoolers. Money was spent within our means, no fast food and junk, just wholesome meals and an annual holiday as a meaningful treat. It was boring, and a lot of will...

Source

NZ Herald 22 March 2025

mary — Fri, 21 Mar 2025 11:00:24 +0000

Couple should complain about adviser — and sell investment This trick doesn’t work for selling Where to get help on veterans’ pensions Apartment prices haven’t grown as fast 2 ways for retirees to delay paying rates How retirement spending rule works QWe’re considering exiting an investment, but if we do we’d be realising a loss. But there’s a risk the loss could be bigger if we...

Source

NZ Herald 15 March 2025

mary — Fri, 14 Mar 2025 11:00:12 +0000

Pensions available for ex-servicemen and women — and their partners A reverse mortgage can work well Reader dislikes house price falls 2 Q&As on budget of retirees who live on NZ Super and save… … and should they be getting allowance? 2 Q&As on spending in your nineties Is Super included in retirement spending “rules”? Don’t bail out of KiwiSaver in turbulent times QA friend mentioned that...

Source

NZ Herald 8 March 2025

mary — Fri, 07 Mar 2025 11:00:22 +0000

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...

Source

NZ Herald 1 March 2025

Tim — Fri, 28 Feb 2025 11:00:06 +0000

Should teen become a landlord — as house prices wobble? Last week’s NZ Super idea not so super Inheritances should be taxed Reader gave inheritance to her brother Is it really cheaper to be a single retiree? Kind words for property investment firm QI am a single parent of an 18-year-old. We recently came into an inheritance. I have used part of my inheritance to pay off my mortgage.

Source

NZ Herald 22 February 2025

mary — Fri, 21 Feb 2025 11:00:42 +0000

Should the son inherit more? Were the old days really better for women? “Fairer” NZ Super could be a nightmare Are over 65s really working more? Investment firm defends their numbers QLast week’s letter regarding boys getting the lion’s share of parental financial help really got to me. We were financially very secure, we put both son and daughter through private schools. Our daughter flew high...

Source

NZ Herald 15 February 2025

mary — Fri, 14 Feb 2025 11:00:03 +0000

Couple support sons more than daughters Grandparents’ support comes with conditions Best place to keep emergency money Making retirement savings totals clearer Is my rule of thumb any good? QHelp me understand a generation that believes only the sons of the family should get help to buy their first house (and they now live in blue chip areas due to property gains), daughters not helped and who now...

Source