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

Archives

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.

Articles

NZ Herald 18 June 2016

Q&As: Ignore misleading KiwiSaver salesman, but maximize your tax credit
- Change to contributions holidays just a suggestion
- 1970s house much more modest than today's houses
- Well done! - but take case about judging others' spending

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NZ Herald 11 June 2016

Q&As: Adding to already huge mortgages is playing with fire
- It's not interest rates but mortgage size that matters
- Lack of family communication leads to big debt ...
- ... so do pushy credit card providers

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NZ Herald 28 May 2016

Q&As: 'Ripped off' reader should shop around rather than dropping life insurance
- How to judge a KiwiSaver fund
- Start small, and keep going
- Help for woman with $100,000 in credit card debt

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NZ Herald 21 May 2016

Q&As: Rates postponement a good option for couple
- Fraud investigator writes about scams ...
- ... And so does a victim
- Vanguard not the only US index fund option

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NZ Herald 26 March 2016

Q&As: Reader suggests an economist could explain unfair tax on term deposits and property investment
- ... And the economist does so
- Shares work well for retiree
- 3 ways another retiree could cut expenses
- How to reduce the cost of a funeral
- Debt-dodging daughter should attend a course

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Radio NZ 21 January 2016

Goal setting and the B word (budgeting)

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NZ Herald 14 February 2015

Q&As: How to let both daughters in on the deal
- Did "holidaying" KiwiSaver miss out?
- Could KiwiSaver money be grabbed because hubby's running up debts?
- Student loan repayments can continue into retirement
- Some tips for last week's separated woman

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NZ Herald 18 October 2014

Q&As: For the 17-year-old who has everything he wants: a course about shares
- A free budget tool for readers to try
- Woman on parental leave can still take part in KiwiSaver
- Fees on retirement scheme way too high

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NZ Herald 21 June 2014

Q&As: Reader says column includes too much on KiwiSaver - which won't work well anyway. Also, new 'tool' duds retirees
- Is employer's way of getting employees to basically pay their own KiwiSaver employer contributions legit? ...
- ... Might such practices be outlawed? And how are political parties proposing to change KiwiSaver?
- Family Budgeting Services could be a big help to a couple

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NZ Herald 31 May 2014

Q&As: Comparing the Government's Budget with a family budget
- 3 Q&As about apologies, "amazing", "awesome", and correcting grammar
- Should retiree add $500,000 of other savings to his KiwiSaver account?

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Syndicated column 16 February 2013 - Financial misbehaviour disappointing

Ironically, a survey on New Zealanders' financial behaviour was released just days before Christmas - a time of much financial misbehaviour, when everyone's saying, "I don't care what it costs, I've just got to buy something for Uncle Fred."

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Syndicated column 14 July 2012 - More than one way to fill a financial gap

This is one of those columns - like the one in which I confessed that I don't have a goal for my retirement savings - that might make the "conventional wisdom" people cross. But here goes: We don't all need a sizable emergency fund sitting in a savings account.

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NZ Herald 31 March 2012

Q&A: Students get a good deal by world standards, and shouldn't dodge student loan repayments
How come the bonds in a balanced KiwiSaver fund report losses?
Winning the tax game if you have a home and a rental property
Where to get free budget advice

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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 30 April 2011

Q&As: A reader's attempt to recover tax on finance company interest is a nice try, but ...
Wanting less and working less doesn't preclude tall poppies
Creative ideas on how to cut household expenses
Did I get the banking system wrong, or did a reader?
At least one bank - sort of - will lend to share investors

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NZ Herald 4 September 2010

Q&As: Looking after the pennies is more rewarding than we realised
Three Q&As on readers' suggestions on how a couple can better manage their money - including ideas on mortgages and software
Is it worthwhile trying to time a home purchase to make the most of market movements? - plus KiwiSaver first home assistance details

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NZ Herald 28 August 2010

Q&As: How can a woman persuade her partner to stop spending more than the couple earns?
Retiree's share buying hobby turns ugly - but he hasn't given it a chance
Why splitting this column into KiwiSaver and non-KiwiSaver columns is not a good idea
It won't always be quite this good for KiwiSaver enthusiast

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NZ Herald January 31 2009

Q&As: Several options for 20-year-old who worries that the state of the world makes KiwiSaver iffy.
5 Q&As about reader who was offered a mortgage deal that was too good to be true.

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Syndicated column September 30 2008: Tax cuts bring KiwiSaver into reach for many

The "I can't afford KiwiSaver" excuse is about to get weaker for many New Zealanders. Tax cuts come into effect from October 1, and many families will also benefit from changes to the Working for Families tax credit and income threshold. The extra money will cover at least half of many people's KiwiSaver contributions, sometimes more.

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Syndicated column May 27 2008: If the Government can do it ...

If there's one topic that I should write about more often, but I avoid because I fear it will turn people off, it's budgeting. But with the government's Budget in the news, now is as good a time as any to consider the way we - as individuals or couples - spend our money. And I promise not to get preachy.

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