Kiwi Saver, Mary Holm financial writer and columnist

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  from Mary Holm, New Zealand's most widely read investment writer

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Bonds

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 16 March 2017

Bonds - Most of us are in them. How safe are they?

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NZ Herald 13 August 2016

Q&As: Couple should try share investing, despite the '87 crash
- Current interest rates not too bad, because inflation is so low
- Should family move once or twice?
- A reader's suggestions for last week's couple not all that helpful

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RNZ Radio 19 May 2016

KiwiSaver performance, and timing markets

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RNZ Radio 12 May 2016

More on spreading your money around

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RNZ Radio 5 May 2016

Two key points about investing

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RNZ Radio 28 April 2016

Different types of investments

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NZ Herald 6 February 2016

Q&As: Forget Lotto and enter competitions
- Are Bonus Bonds a good substitute for health insurance?
- Shares not the answer for student's savings
- Reader dislikes my comments about young landlord
- Request for pros and cons of living on a boat

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NZ Herald 19 December 2015

Q&As: Are Bonus Bonds a good place for retirement savings?
- How safe are Bonus Bonds?
- Another KiwiSaver provider that allows regular withdrawals in retirement
- Happy reader moving into new home - thanks partly to this column

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NZ Herald 21 November 2015

Q&As: Why it's better to sell a home before buying another one
- Reader alarmed by what I said about interest on bonds
- Do high dividends go with high risk?
- Another KiwiSaver provider offers regular withdrawals in retirement

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NZ Herald 14 November 2015

Q&As: Investing for dividend income okay for some, but has its risks
- Info outdated on ANZ's KiwiSaver cash fund holdings
- BNZ cash fund returns not so bad, but that's not the main point
- Reader challenges Kiwibank's KiwiSaver investing
- Interest paid on KiwiSaver money-in-waiting

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NZ Herald 3 October 2015

Q&As: What are bonds, and are they a good investment?
- KiwiSaver instead of term deposits for retiree?
- Can you judge KiwiSaver fund by 2-month return?
- How tax affects Givealittle fundraising in memory of daughter

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NZ Herald 11 July 2015

Q&As: Has reader discovered the secret to beating the share market?
- Could a bank failure lead to cuts in KiwiSaver funds?...
- ... And Bonus Bonds?
- A reader is happy with their adviser
- But another reader dumped the same adviser

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NZ Herald 4 July 2015

Q&As: Women's gifting circles look to be illegal, and ...
- ... they could lead to 'an abundance of hate'
- Shortish-term money shouldn't be in shares, despite adviser
- An advantage of regularly investing the same amount, whatever the market does
- One provider charges less for non-KiwiSaver funds

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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 8 March 2014

Q&As: Laddering helps with term deposits, and we'll have to learn to live with rule changes
- High-quality bonds an alternative to term deposits
- Can an employee join KiwiSaver without employer involvement?

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NZ Herald 17 August 2013

Q&As: Young couple bonds over share investing
- Possible issues with capital gains tax valuation date
- 2 Q&As on retired farmer's low investment return
- Should KiwiSaver tax credit go to working 16 and 17-year-olds?

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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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Syndicated column 20 October 2012 - Are bonds really that beautiful?

Bonds are beautiful. That's certainly the message when you look at a recent Reserve Bank list of returns on 11 different types of investments, including New Zealand, Australian and international shares, property, farms, bonds and cash.

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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 26 November 2011

Q&As: Are shares still the best long-term investment, despite recent results?
Investing in bank term deposits has its own risk - that of inflation eating into returns
Older job applicants might want to play down their age on their CV
Volunteering overseas an option for couple in their 60s who can't find jobs

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NZ Herald 5 February 2011

Q&As: Should we all panic over the Savings Working Group's dire forecasts?
- Do Bill English and Alan Bollard need to talk about how hard it is for New Zealanders to save?
- Why mailing nasties to companies that make low-priced share offers might not work

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NZ Herald 25 September 2010

Q&As: Bank securities not quite what a reader was hoping for
The closing of a KiwiSaver scheme hasn't gone as smoothly as hoped, but it's no big deal
First home buyers should invest conservatively in KiwiSaver - plus: a painless time to join KiwiSaver

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NZ Herald 25 September 2010

Q&As: Bank securities not quite what a reader was hoping for
The closing of a KiwiSaver scheme hasn't gone as smoothly as hoped, but it's no big deal
First home buyers should invest conservatively in KiwiSaver - plus: a painless time to join KiwiSaver

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NZ Herald 11 September 2010

Q&As: In these changing times, should I still recommend share investment for those with ten years before spending the money?
Another personal finance computer program - and it's free
The advantages of using joint accounts, and of setting up enduring powers of attorney

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NZ Herald 24 July 2010

Q&As: One reader is angry that ASB is closing the trusts he's invested in, while ...
Another reader sees it as a great opportunity to try a new investment strategy with term deposits
I might be a duck or a weasel, but I'm not a financial adviser

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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 28 November 2009

A way to make friends and relatives happy at Christmas
Changes to invitation to Capital Market Taskforce meeting
Q&As: Less insurance can save big money and work well - if you are healthy and careful
Gradually get rid of preference shares you don't want any more

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NZ Herald 14 November 2009

Q&As: Couple struggling with rental property should put it on the market
Did the issuers of perpetual preference shares adequately warn investors that their value could fall considerably?
The choices for a KiwiSaver who moves overseas

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NZ Herald 24 October 2009

Q&As: Are house prices less likely to fall in posher suburbs?
Financial advisers paid by commissions can't do as well as someone who is independent
Two Q&As on why recently issued preference shares are not good investments

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NZ Herald 17 October 2009

Q&As: Are preference shares a good investment, despite recent price falls?
Did reader get good advice from an ASB adviser?

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Syndicated column 6 October 2009 - Good news goes unheralded

One of the findings in a recent survey caught my eye. Only 12 per cent of New Zealanders surveyed said the value of their financial investments had grown in the previous six months, with 42 per cent saying the value was unchanged and 46 per cent saying it had fallen. The vast majority got it wrong.

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NZ Herald March 21 2009

Q&As: Tips for retired couple whose interest income has halved.
Savings accounts may pay more interest than term deposits - but take care.
Tax on foreign shares seems tough in current environment

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Syndicated column January 27 2009 - Getting in and out of share market a losing strategy

Many people with share investments - including KiwiSaver and other funds that hold shares along with other assets - are probably eying the 37 to 39 per cent drops in the New Zealand, US and Australian share markets last year and considering taking flight to lower-risk investments. Don't.

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NZ Herald October 18 2008

Q&As: Everything you need to know about the government's new deposit guarantee scheme.
Under the new scheme, should we move our money from banks to covered finance companies?
Will KiwiSaver still be good for self-employed 62-year-old if National wins the election?
Plus: Readers' views on KiwiSaver

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Syndicated column May 13 2008: Safe haven for nervous investors

Spooked by the Blue Chip, Feltex and finance company collapses, a growing number of New Zealanders are joining the "flight to quality" by buying government bonds or their little brothers, Kiwi Bonds.

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NZ Herald May 10 2008

Q&As: Grandma will help grandson more by opening her own KiwiSaver account and giving him the savings.
Ultraconservative KiwiSaver funds are as safe as bank accounts, and bring much higher returns.
Is lack of self control more prevalent now than in the past?
Government bonds have their place for the ordinary investor.

Money column for May 10 08

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NZ Herald April 26 2008

Q&As: KiwiSaver the last straw for employer of "whinging, incompetent" New Zealanders
Reserve Bank offers some reassurance for reader worried that NZ banks could be caught up in their foreign parent's woes ...
.... But if you're still worried, consider the safest investments of all, government securities.

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NZ Herald September 2007

Q&As: Should a couple with 3 children move to a bigger house in town or take a bet on a coastal property?
Are KiwiSaver bond funds as conservative as they seem?

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NZ Herald December 10 2005

Q&As: $29,000 rental in Gore not the thing for a risk-averse man.
More on tax on a second job.

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Holm Truths spring 05

Kids, cash and cards: Help your children learn about money

Also in this issue: From the Mailbox - Saving for the children's future

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Syndicated column October 4 2005: A message that goes too far - Shares beat mixtures over long term

I take exception to a recent New York Times article entitled, "The long-term lesson: It pays to diversify". If you look hard at the numbers quoted by the writer, they show just the opposite.

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Holm Truths winter 05

Seize the chance: A great way to boost your savings

Also in this issue: From the Mailbox - Investment as retirement approaches

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NZ Herald April 30 2005

Q&As: How do bonds differ from term deposits?
Where to get info on interest rates.

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NZ Herald March 5 2005

Q&As: How to invest a student loan, and SHOULD you?
Where can you get an apartment for $100,000?
Bonds may beat term deposits, even for the short term.

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NZ Herald February 12 2005

Q&As: Should young person saving for a house buy now?
Where to invest while saving to buy a house.

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NZ Herald January 22 2005

Q&As: Couple "retiring" in their 30s wonder how to invest their savings.
94-year-old share trader doing just fine.
How to run a caravan rental business.

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Holm Truths summer 04-05

Scattering the seeds: By diversifying, you reduce risk but not returns

Also in this issue: From the Mailbox - Some people over-save for retirement

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Holm Truths winter 04

3rd big question: When? - How should you time your investing?

Also in this issue: From the Mailbox - Where to invest while saving for a car

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Holm Truths autumn 04

'His & Hers' investment styles - How gender affects the way we invest

Also in this issue: From the Mailbox - Borrowing to invest, eg in a rental property

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Holm Truths winter 03

First things first: How much should you invest in bonds, shares, property and so on?

Also in this issue: Great Debate: NZ v international shares

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Holm Truths autumn 03

Emotions and investing: The way we feel affects our investing in ways we are not aware of

Also in this issue: Great Debate - Term deposits v corporate bonds

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Holm Truths winter 01

Free lunch a rewarding spread: It's wise to spread your investment money around

Also in this issue: Great Debate - Shares v share funds

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