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

RNZ Radio 19 May 2016

KiwiSaver performance, and timing markets

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NZ Herald 8 August 2015

Q&As: Banks shouldn't favour new customers, but reader shouldn't have big credit card debt
- Gold doing OK in NZ dollars, but that's not the point
- Why advisers tend to favour low-risk investments and why they shouldn't
- Banks have a wide range of financial advisers

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NZ Herald 1 August 2015

Q&As: Gold bugs disappear now that their price has plunged
- 2 Q&As about older bank customers getting poor service
- How to judge your financial adviser
- 76-year-old doesn't have to reduce risk

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NZ Herald 23 May 2015

KiwiSaver Kick-start ends
Q&As: Patience needed on new first home KiwiSaver withdrawal rules
- How to get around KiwiSaver guardian rules
- Reader skeptical about Reserve Bank statements

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NZ Herald 20 September 2014

Q&As: Gold fans no longer to be seen now price has plummeted
- Reader wishes she'd never heard of tax refund company
- Alternative to KiwiSaver for 67-year-old
- Is Buffett a better bet than an index fund?

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NZ Herald 26 April 2014

Q&As: Single mum can't decide whether to renovate or sell
- How come some seemed to get more Genesis Energy shares?
- No I won't give info on gold savings plan
- What might be behind gold plan?
- How many employers stop KiwiSaver contributions at 65?
- Is employer playing fair with KiwiSaver contributions?
- Complications for some self-employed in KiwiSaver

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NZ Herald 19 April 2014

Q&As: Gold plan will make us all rich - or will it?
- Do Chinese buyers of NZ houses get cheap mortgages?
- How KiwiSaver works for the self-employed

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NZ Herald 6 July 2013

Q&As: Mother and son should probably go for the big trip
- Reader confused - although not unhappy - with student loan rebate
- Update on what's happened to gold and silver prices
- Type of mortgage would matter if bank defaults
- Property and shares more alike than reader thinks
- Diversification the best way
- 2 more KiwiSaver providers that tell members about tax credit

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NZ Herald 27 April 2013

Q&As: Steer clear of foreign exchange trading
- Pensioner should also steer clear of finance companies offering high interest
- How you can avoid partial assets sales shares in KiwiSaver
- Not saying "I told you so" about investing in gold
- Buying a home still a good idea for couple in late 40s

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NZ Herald 20 October 2012

Q&As: Reader's returns in the stratosphere
- Bach reading reveals very long-term data on gold prices
- To buy or not to buy when house prices look bubbly

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NZ Herald 13 October 2012

Q&As: Make credit card repayment your top priority
- Why KiwiSaver tax credit is not as good as some people think
- Revolving credit mortgage could help some unhappy ANZ customers
- Reader bombs out on gold, silver, dollar forecasts

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NZ Herald 29 September 2012

Q&As: A couple of concerns about buying shares in the company you work for
- Bank's mortgage changes don't look like profiteering
- New graduate shouldn't bypass KiwiSaver
- 3 Q&As about gloomy predictions and investing in gold

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NZ Herald 22 September 2012

Q&As: The hazards of comparing share and property investments
- 4 Q&As on whether we're headed for financial catastrophe
- Who can get the Carer's Benefit, and how much is it?

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NZ Herald 8 September 2012

Q&As: Time to check a reader's challenge about banks and gold
- And let's hear it from the reader himself
- Why 1-person retiree households spend so much less than 2-person households
- Should NZ Super be more for older retired people?
- Income manipulation to get student allowances is now curbed
- Not every reader agrees with aggressive ones

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NZ Herald 22 October 2011

Q&As: Putting your savings in the kids' names, to reduce taxes, is not a clever idea
Should Christchurch Red Zone dweller buy another home?
Getting by on stone soup
Comparing gold and silver investments with KiwiSaver

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NZ Herald 15 October 2011

Q&As: Is it wise not to save because if you do you'll lose some government subsidies - and to spend the money on cars instead?
- Our chances of ending up in a rest home. And could there be insurance to cover the costs?
- Last week's "oily ragger" should do her own thing
- No bargain is quite so good when you consider how much you really had to earn to buy it
- Update on a reader's predictions of NZ's exchange rate and gold and silver prices

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NZ Herald 3 September 2011

Q&As: Are NZ banks really safe, given what happened in the Great Depression?
- Is it worth spreading your risk by using several banks?
- Credit ratings still worth bothering with, and some thoughts on why readers get angry about gold
- 32-year-old new KiwiSaver should get straight into growth fund

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NZ Herald 27 August 2011

Q&As: Fears about the safety of banks unfounded
- A good idea to spread the family around several KiwiSaver providers
- KiwiSaver member misunderstands why her provider moved her money
- Reader urges me to hold my ground on gold, and to encourage investment in small high-tech companies

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NZ Herald 20 August 2011

Q&As: NZ stock performance over last 10 years - after adjusting for tax, inflation and, perhaps, index changes
- Is the gold price bubbly?
- Confusion over NZ Super when one partner is under 65

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NZ Herald 13 August 2011

Q&As: Should reader move to lower-risk KiwiSaver fund? Putting share plunge in perspective
- Don't try to time markets
- Gold fan checks in after gold price soars, but what of his other predictions?
- The one situation in which NZ Super is affected by KiwiSaver savings

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NZ Herald 22 January 2011

Q&As: Tax cutting scheme likely to bring much more wealth to the company than to a reader
- How recipients of below-market share offers can get their own back
- A reader shows her bank just what she thinks of it
- How is our gold price forecaster doing?
- Some help with finding a good financial adviser

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NZ Herald 13 November 2010

Q&As: Online banking timing - which banks do what?
- Bank safe deposit boxes becoming a rarity
- Why the price of gold is more likely to be heading down than up

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NZ Herald 6 November 2010

Q&As: How to weigh up contributing to KiwiSaver versus repaying your student loan, now that there's a repayment bonus
- Gold investors should take care about who is storing their bullion
- How long should it take to process a KiwiSaver application?

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NZ Herald 30 October 2010

Q&As: What happens to your money when it seems to disappear for a few days in the bank?
- Flexibility an issue when deciding how to go about repaying a mortgage quickly
- Would gains on the sale of gold or silver be taxable?
- The pros and cons of holding on to gold coin gifts

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NZ Herald 23 October 2010

Q&As: With extra to pay off a mortgage, should you add to principal repayments or shorten the term of the loan?
- Graph of gold price history tells some interesting stories
- Transferring money from UK to New Zealand to take advantage of higher interest rates here could be risky
- Under what circumstances can Inland Revenue take money out of your KiwiSaver account?

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NZ Herald 16 October 2010

Q&As: Reader with money in UK asks what will happen to the UK:NZ exchange rate
- 4 Q&As on whether it's a good idea to invest in gold and silver

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NZ Herald 9 October 2010

Q&As: Can a reader foresee gold and silver prices, and foreign exchange rates? Time will tell.
- Eggs in baskets matter as much now as ever - plus the difference between active and passive fund management
- Can you invest with more than one KiwiSaver provider?
- KiwiSaver for New Zealand resident with overseas employer - plus how to choose a provider

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NZ Herald 10 July 2010

Q&As: Other ways in which gold is risky
The difference between term deposits and bonds
Why is ING's default KiwiSaver scheme cheaper than the very similar ANZ and National Bank schemes?
Readers offer some udder ideas on what to call Mum and Dad investors

Money column for 10 July 2010

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NZ Herald 3 July 2010

Q&As: A reader goes on a merry-go-round trying to get information on PIR tax rates for couples
I stick to my ground on gold's unsuitability as a large investment for most people - despite two readers' arguments
A good reason not to dig up gold on the conservation estate
More on alternatives to "Mum and Dad investors", and a call for more creativity

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NZ Herald 26 June 2010

Q&As: Reader's golden suggestion for investing proceeds of a house sale is worrying
3 Q&As about KiwiSaver details - for people in other super schemes, children, and newly signed up KiwiSavers
More ideas on alternatives to "Mum and Dad" investors, including from a top government official

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