Taxes – Mary Holm

NZ Herald 6 December 2025

mary — Fri, 05 Dec 2025 11:00:40 +0000

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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NZ Herald 22 November 2025

mary — Fri, 21 Nov 2025 11:00:16 +0000

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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NZ Herald 15 November 2025

mary — Fri, 14 Nov 2025 11:00:13 +0000

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 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...

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NZ Herald 18 October 2025

mary — Fri, 17 Oct 2025 11:00:00 +0000

Retirees plan to sell home, rent, and have fun How compensation works if finance company fails Your KiwiSaver tax rate is checked by Inland Revenue Clarification on tax when you rent out your bach QDo you see anything wrong with this scenario? My wife and I are in our early 70s, with limited savings and a mortgage-free house that is worth around $750,000 in today’s market. So we can do more...

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NZ Herald 11 October 2025

mary — Fri, 10 Oct 2025 11:00:03 +0000

Renting out a bach can be complicated Don’t give bank account number to a possible scammer Defining managed, active and passive funds Problems with proving who you are Rare praise for a bank QRenting out a holiday home is not as straightforward as implied in last week’s column. As I’m sure you know, it can incur GST if the turnover goes over the $60,000 threshold, or if you are...

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NZ Herald 23 August 2025

mary — Fri, 22 Aug 2025 12:00:01 +0000

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 2 August 2025

mary — Fri, 01 Aug 2025 12:00:55 +0000

KiwiSaver serious illness withdrawals not easy Are people doing KiwiSaver at expense of reducing their mortgage? Should homeowners’ mortgage interest be tax deductible? When choosing fund, choose lowest fees and what else? You can do KiwiSaver with more than one provider. Should you? Why rentals aren’t great in retirement List of KiwiSaver-exempt employers QI was diagnosed with a blood...

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NZ Herald 19 July 2025

mary — Fri, 18 Jul 2025 12:00:44 +0000

Low-risk way to invest in rentals Another good way to invest in property, but … Easy way to give to charities KiwiSaver versus term deposits in retirement Big KiwiSaver fee savings, and getting risk right Best way to compare KiwiSaver fees QWhat are your thoughts? My dad, an accountant and 78 years old, has been a landlord coming up 55 years, and he’s never once talked about capital...

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RNZ Radio 17 July 2025

mary — Thu, 17 Jul 2025 03:15:10 +0000

What statement tells you Where to get more info on your situation in retirement How tax on KiwiSaver works Make sure you have a will 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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