Superannuation – Mary Holm

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...

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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...

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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...

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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.

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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...

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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...

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NZ Herald 21 December 2024

mary — Fri, 20 Dec 2024 11:00:00 +0000

“It’s fine to tax my gains or estate” NZ Super cheap by world standards 2 Q&As about not means testing Super Don’t retire! Or if you do, volunteer Angry letter about something or other Some kind letters QI’m a boomer who has received a significant tax-free inheritance and has also benefited from untaxed capital gains. I expect my estate will eventually distribute considerable funds when...

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NZ Herald 14 December 2024

mary — Fri, 13 Dec 2024 11:00:50 +0000

Sorry but a motorhome is not a home! Don’t forget dividends when judging ETF performance Could a US share crash be coming? A warning about charity donations, but…. Defending luck, again! Means testing NZ Super not the answer QI’ve just read about a couple cashing in their KiwiSaver balances to buy their first home. They plan to start saving again for retirement in their 50s. This has got me...

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NZ Herald 30 November 2024

mary — Fri, 29 Nov 2024 11:00:20 +0000

How pensioner can take friend into her home Gold tax not new Is this column moving towards more rich people’s letters? Rich not all financially savvy Retire gradually if possible Reader wants a break for boomers QI’d appreciate your help with a recent distressing situation where a close friend required assessment for respite care and, subsequently, a long-term care bed. It was impossible to find...

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NZ Herald 23 November 2024

mary — Fri, 22 Nov 2024 11:00:41 +0000

Couple has more than enough for retirement Gold gains taxed when you sell Not everyone tries to dodge tax Tax land rather than gains… …or tax financial transactions A different deal for tenants in Germany QWe are a couple married for 48 years. I’m 72 and my wife is 69. She is retired and I continue to work earning a salary of $200,000 in a demanding, but nonetheless enjoyable job. We own a modern...

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