Term deposits – Mary Holm

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 8 November 2025

mary — Fri, 07 Nov 2025 11:00:58 +0000

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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NZ Herald 1 November 2025

mary — Fri, 31 Oct 2025 11:00:57 +0000

Splurging in retirement not so bad Government’s unrealistic expectations on KiwiSaver Index funds are not for the short term 2 Q&As on cash fund investments and risk QI thought I would tell you my story of not being careful with money. We sold a property in Auckland 10 years ago. We came down to the Coromandel and thought it would be a nice place to live. We bought a two-storey house in...

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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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RNZ Radio 9 October 2025

mary — Thu, 09 Oct 2025 02:15:33 +0000

Celebrating 10 years of RNZ segment. Contestants had to write what they learnt from it, in 60 words or less. Themes include: Save regular small amount by direct credit Make a will Repay debt Spend on fun in retirement Ladder term deposits Leave KiwiSaver alone in downturns KiwiSaver works well for self-employed Listen to the segment below, or click here to read Radio NZ’s summary.

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NZ Herald 4 October 2025

mary — Fri, 03 Oct 2025 11:00:21 +0000

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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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...

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NZ Herald 6 September 2025

mary — Fri, 05 Sep 2025 12:00:44 +0000

Deposit compensation up and running What if someone pulls out of the scheme? KiwiSaver total remuneration defended What’s fair for over-65s in KiwiSaver? Total remuneration tempts people, who will later regret it Best way to self insure for health costs Couple has been lucky with health — so far! QI was following with interest the moves to introduce savings guarantees...

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RNZ Radio 14 August 2025

mary — Thu, 14 Aug 2025 03:15:12 +0000

Lack of fund is source of stress Priorities with your money How much? Where to save — including idea for those with mortgages How to build a fund A “charity fund”? If you use the money… 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...

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