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 26 September 2015

Q&As: You can - and should - be in KiwiSaver as well as work super scheme
- Couple should get rid of rental property stress
- The big share gain that got away
- How to keep an inheritance out of relationship property

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NZ Herald 21 February 2015

Q&As: Do bank bonds beat term deposits for savings for a house?
- Does separated woman taking a risk remaining in the family home?
- 3 Q&As about a father's loan to a daughter and sibling rivalry

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NZ Herald 13 December 2014

Q&As: New Zealanders are 'all talk and no action' on ethical funds
- Don't try to time markets with your KiwiSaver account
- Why we need a capital gains tax
- Why rental property should be taxed like other businesses
- Landlords not necessarily admirable, but ...

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NZ Herald 20 April 2013

Q&As: Two readers warn about trying to control children's inheritances
- Do adult children expect an inheritance these days?
- A bit of confusion over KiwiSaver and tax
- Two readers' ideas on rethinking student loans

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NZ Herald 6 April 2013

Q&As: You can be regarded as being in a de facto relationship even if you don't live together
- Accountant gives bad advice on joining KiwiSaver
- Paying extra off the mortgage versus saving outside KiwiSaver
- 2 Q&As about young man who is NZ tax resident but still pays interest on his student loan
- Reader's student loan idea might work - depending on family dynamics

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NZ Herald 30 March 2013

Q&As: 2 readers tell of struggles for overseas students repaying student loans
- Another reader explains why he let his student children run up loans and then helped to repay them
- Confusion over changes to KiwiSaver employer contributions
- Will a pre-nuptial agreement do the trick?
- Can a parent draw up a Section 21 agreement for their adult child?

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NZ Herald 23 March 2013

Q&As: Should student loan interest - for people overseas - be lower than mortgage rates?
- Why parents let students run up loans, and then repay the loans for them
- One way parents can help their adult child buy a home without losing the money to the child's ex later on
- How the new partner of a widow might get his share if they split up

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NZ Herald 16 March 2013

Q&As: Student loan question brings out the differences in a couple's attitudes to money
- 2 Q&As about making use of the student loan repayment bonus - which expires on March 31 - while students are still studying
- Clarification of some tricky wording about student loans
- A warning for couples: Relationship property agreements should not be DIY

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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 2 March 2013

Q&As: What happens if new employer doesn't take KiwiSaver contributions out of your pay
- Property relationship idea not as good as it seems
- How one reader contracted out of the Property Relationships Act

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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 9 February 2013

Q&As: Ways to keep a daughter's partner's hands off an inheritance if he leaves the daughter
- Another provider of reverse mortgages
- 2 Q&As on the pluses and minuses of reverse mortgages

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