Kiwi Saver, Mary Holm financial writer and columnist

  Independent and down to earth financial info you can trust
  from Mary Holm, New Zealand's most widely read investment writer


Read Mary's current Herald column on-line now, listen to recent radio broadcasts, or search the archives for previous subjects in her Herald and syndicated columns or broadcasts.

The following is a selection of articles and radio broadcasts mainly from January 2005 to the present. To explore this topic in more depth and access earlier columns, please use the search box.


NZ Herald 18 March 2017

Q&As: Trusts may no longer enable well off elderly to get subsidy
- Possible trap for parents giving money to adult children
- What KiwiSaver rules would change when under National plan
- Partial KiwiSaver tax credit in year you turn 65 - or 18
- Good reasons for using a credit card

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NZ Herald 29 August 2015

Q&As: Retired couple paying for rest home now wish they had spent more earlier
- Are NZ Super recipients beneficiaries?
- Reader thinks it's bad to eat into capital in retirement
- How couple might set up a first home account

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NZ Herald 18 May 2013

Q&As: When are capital gains taxed?
- Should separated father's income count when applying for a student allowance?
- Too much in this column on KiwiSaver?
- The government's thinking on income in family trusts

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NZ Herald 11 May 2013

Q&As: Does rental property have tax advantages over shares?
- What happens if somebody wrongfully gets KiwiSaver tax credits while living overseas
- Does it work to set up a family trust so your kids can get student allowances?

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NZ Herald13 April 2013

Q&As: Are Mighty River Power shares a sure thing?
- Is it good to get the kids into Mighty River Power?
- What to do when a trustee brother gets all the power

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NZ Herald 9 March 2013

Q&As: Your KiwiSaver account won't always grow, if you're not contributing
- Inland Revenue sticks to its guns about employer obligations around KiwiSaver
- 2 Q&As about trusts set up to protect inheritances from relationship property claims
- Some thoughts about relationship property problems, including help with difficult conversations

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NZ Herald 23 February 2013

Q&As: Relationship property - when does the clock start ticking?
- One way - plus a few others - that a mother could protect her daughter's inheritance
- Trusts not so cheap to set up
- Should people get access to their money when KiwiSaver changes?

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NZ Herald 8 October 2011

Q&As: An idea for a woman who doesn't know what to do with all the money her husband is now making
- How much is a tax deduction worth?
- Unfairness in rest home subsidies unavoidable - unless you want to distort your spending
- "Add-back" of gifts to a trust not as extreme as reader thinks

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NZ Herald 24 September 2011

Q&As: Two Q&As on our recent sawmilling picture - and how they got the huge log up there
- Is it still worth it to set up a trust so you are eligible for the rest home subsidy?
- A suggested way to stop people using trusts to get the rest home subsidy - and are trusts fair?
- Angry reader talks quietly
- Couple in their 60s plan trip to Greece courtesy of KiwiSaver

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NZ Herald 21 May 2011

Q&As: Self-employed probably fare worst in KiwiSaver changes, but scheme still really hard to beat
- Likelihood of more government changes not a good reason to stay out of KiwiSaver
- Abolition of gift tax reduces paper work for family trusts, but doesn't eliminate it
- "Provincial perspective" on changes in house prices over the decades

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NZ Herald 14 May 2011

Q&As: Foreclosed property seminar reminds me of investment warning lists
- Government's proposed changes don't affect current KiwiSaver decisions
- Do banks lend more than their total deposits?
- Am I brainwashed, and perpetuating myths about family trusts?
- Fair enough that housing is not cheap here, says American who moved to NZ

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NZ Herald 7 May 2011

Q&As: A house looks ridiculously cheap in 1958, but let's put that into perspective
- Retiree hit by inflation acknowledges that it could have been worse
- Too hard to get by in New Zealand? Fix it or leave, but don't whinge
- A family wants out of its family trust, which is complex, expensive and not benefitting anyone

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NZ Herald August 27 2005

Q&As: Grandparents don't need a trust to save for their grandchildren.
New Zealand's tax on capital gains is confusing.
Depreciation on rental property.

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