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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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.


Mortgages

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 27 April 2017

Investment risks - Part 1

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NZ Herald 1 April 2017

Q&As: University probably the best route to a new start for woman
- Credit cards not linked to mortgages
- Clearing up info on Residential Care Subsidy and gifting
- Do small gifts count when apply for that subsidy?

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NZ Herald 25 February 2017

Q&As: Questions to ask before parents lend mortgage money to their children
- Determined couple pay down big mortgage fast
- Bank's reluctance to extend credit card limit is surprising
- Tax adviser thinks tax should have been mentioned last week

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NZ Herald 18 February 2017

Q&As: Which is better - a KiwiSaver share fund or KiwiSaver property fund?
- KiwiSaver investments don't change at 65, unless you're in a life stages option. What are they?
- No tax consequences of parents' gift to help pay off mortgage
- Bring UK shares over and pay down mortgage

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NZ Herald 11 February 2017

Q&As: The struggle of some beneficiaries
- If you don't like bank's interest payment policy, shop around
- Should couple put all their cash in house deposit, or invest in shares too?

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NZ Herald 28 January 2017

Q&As: Who earns the interest while money moves from bank to bank over holidays?
- What is investment risk? And how to reduce it
- Use savings to pay down mortgage

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NZ Herald 17 December 2016

Q&As: Many reasons why a winning active share fund won't stay on top
- Why do husband and wife's funds perform so differently?
- Offset mortgages more vulnerable than revolving credit loans
- No plans for 2 big banks to follow others with offset mortgages
- Do employers deserve praise for contributing to KiwiSaver?
- Update on proposal to raise NZ Super age

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NZ Herald 10 December 2016

Q&As: Couple should get into KiwiSaver, and changes proposed for the scheme
- Could the growing popularity of index funds mess up markets?
- My comments on Brian Gaynor's column about index fund investing

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NZ Herald 3 December 2016

Q&As: More pros and cons of KiwiSaver versus other investments
- Paying down mortgage very effective after tax
- Offset or revolving credit mortgage might suit reader
- Meaningful Christmas gifts

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NZ Herald 26 November 2016

Q&As: Better to put savings towards mortgage than emergency fund
- How to weigh up KiwiSaver versus other saving
- Reader not stuck with KiwiSaver provider, but costly to move
- Reactions vary on discussion about which indexes to use

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NZ Herald 8 October 2016

Q&As: Perhaps we should celebrate a young man's spending splurge
- Don't get rid of student loan, pay down mortgage
- Dodgy share advice given to elderly couple
- Think of NZ Super as insurance
- Pension info there, but reader may have been distracted

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NZ Herald 17 September 2016

Q&As: What to do with spare proceeds from Auckland house sale
- Worrying about mortgage break fee is tail wagging dog
- Getting the most out of KiwiSaver and a work super scheme
- NZ Super too generous for recent immigrants?

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RNZ Radio 4 August 2016

Clever and not-so-clever moves with mortgages

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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 4 June 2016

Q&As: Is it really harder to buy a house now than in the 1980s?
- A money coach explains an addiction to spending ....
- ... And a reader describes how it affects her
- Does it work to have life insurance with 2 companies?

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RNZ Radio 12 May 2016

More on spreading your money around

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NZ Herald 23 April 2016

Q&As: Smartshares are a good way to get into share investing ...
- ... And they beat mortgage repayment for one reader
- Who worries more, rich or poor retirees?
- Retirement Commissioner seeks your thoughts

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NZ Herald 12 March 2016

Q&As: Judge interest rates against inflation
- Retired couple seek higher returns
- KiwiSaver provider drops fees on low balances
- Young home buyers weigh up fixed and floating mortgages

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Radio NZ 28 January 2016

Setting financial priorities

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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 12 December 2015

Q&As: Reader worries about borrowers on peer-to-peer lending site Harmoney
- Another possible meaning for "freehold"
- Should windfall go on buying a rental or mortgage repayment?
- Insurance advisers respond to critical report

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NZ Herald 5 December 2015

Q&As: A few phone calls can slash hundreds from insurance bills
- We're not all bad, says insurance adviser
- "Freehold" doesn't mean mortgage-free, and beware of leasehold property
- Reasons for Auckland house price rise don't rule out bubble
- Meaningful Christmas gifts

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NZ Herald 17 October 2015

Q&As: How a woman who can't stop herself from spending could tie up an inheritance
- Extra house savings may be better outside KiwiSaver
- Saving in or out of KiwiSaver, and 55-year-old can still aim at home ownership
- More information about life expectancy
- Is ageism rearing its ugly head amongst pensioners?

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Radio NZ 15 October 2015

Mortgages

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NZ Herald 10 October 2015

Q&As: Calculators that measure your life expectancy more accurately
- Is it better to repay a mortgage or save?
- Don't overreact to worry that KiwiSaver retirement withdrawals could be limited
- Don't assume any interest rate trend will continue
- What would happen to members' savings if a KiwiSaver provider went bust

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NZ Herald 25 July 2015

Q&As: Couple's rental property plans riskier than they might think
- What happened at Milford, and how are KiwiSaver members placed?
- Bank adviser may regret lack of interest in man in his 90s
- Hard to be a young, independent adviser

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NZ Herald 20 June 2015

Q&As: Are "women's gifting circles" legit?
- Is bank financial adviser giving "best" advice?
- KiwiSaver tax credits don't cross the Tasman
- Tips on getting more from a revolving credit mortgage

Money column for June 20 2015

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NZ Herald 30 May 2015

Q&As: How should high-saving couple allow for emergency money?
- Will reader's children squeak through and get KiwiSaver kick-start?...
- ... And will another reader's partner?
- Some bank depositors' money at risk if bank gets into trouble
- Shouldn't borrowers be the ones who bail out a bank?

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NZ Herald 11 April 2015

Q&A: Should parity with Aussie dollar affect investing?
- How currency movements affect KiwiSaver funds, and what you can do about it
- A good way to lend to adult children?
- Better to pay down mortgage or invest elsewhere?
Money column for April 11 2015

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NZ Herald 7 February 2015

Q&As: Can 57-year-old separated woman on low income get a mortgage?
- Should move from term deposits to balanced fund be done all at once?
- Ditto for move to higher-risk KiwiSaver fund
- How to get independent advice - on paying down the mortgage

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NZ Herald 22 November 2014

Q&As: The pros and cons of investing in several rental properties
- An employer can contribute any amount above 3% of pay into a KiwiSaver account
- Who owns the shares when you invest through a nominee, and does it matter?
- Was I wrong last week about tax deductibility in a family loan?

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NZ Herald 27 September 2014

Q&As: Take a lot of notice of KiwiSaver fees
- Employees can easily contribute extra to KiwiSaver
- When is a 25-year mortgage really a 20-year mortgage?
- When can people who owe tax get away with not paying it?
- Online tax calculator now includes ACC levy

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NZ Herald 7 June 2014

Q&As: Priorities for a family making a KiwiSaver financial hardship withdrawal
- Use savings to pay off mortgage
- Is KiwiSaver really tax-exempt?
- How to calculate KiwiSaver tax credit for the year in which you turn 65
- Older KiwiSaver goes for riskier funds
- Is there age discrimination in KiwiSaver?

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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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NZ Herald 17 May 2014

Q&As: Should landlord sell shares to reduce the mortgage on his rental?
- Is tenants' claim for borer treatment fair?
- Further thoughts for single mum wondering whether to renovate or sell
- What's a tiny shareholding, and why is it a problem?

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NZ Herald 3 May 2014

Q&As: Do the banks tend to raise term deposit rates as much as mortgage rates?
- Some worries about compulsory KiwiSaver
- Did 'Mum and Dad' investors get a raw deal on Genesis Energy shares?
- An alternative to painting the house - for last week's correspondent

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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 22 March 2014

Q&As: 60 is not too old to get a mortgage and buy a first home
- Buying a home is not the only way to financial security
- Don't overlook tax if buying a rental with the aim of selling at a profit
- Want to free up money? Try moving to Tokoroa
- Just one bank and one finance company respond to term deposit challenge

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NZ Herald 15 March 2014

Q&As: Think before investing in a rental with a relative, especially in your 60s
- A challenge to the banks about term deposit comparisons
- Is share brokerage deductible? Be careful what you wish for!
- Couple do really well in KiwiSaver, although it's partly good luck
Money column for March 15 2014

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NZ Herald 1 February 2014

Q&As: Still hope for first home buyer with 10% deposit
- Profits from spec home best put into offsetting mortgage on own home
- How KiwiSaver fund finder gets around shortcomings
- Ideas for inexpensive family travel

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NZ Herald 16 November 2013

Q&As: New KiwiSaver comparison tool gets around problems with fees
- An acknowledgement, and a defence of my way of measuring share performance
- Sorry, but you can't deduct interest on your home mortgage


Money column for November 16 2013

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NZ Herald 26 October 2013

Q&As: Why a 5-year fixed mortgage rate might be better than a 3-year one
5 Q&As - Ideas for couple who have been through bankruptcy: take in students, do phone surveys, get a live-in position, write e-books, babysit
- Grammar granny strikes opposition
- Employers should respond to job applicants

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NZ Herald 19 October 2013

Q&As: Is there life after bankruptcy?
- Tax on KiwiSaver not as bad as portrayed
- Pay highest interest mortgages and other loans first
- One reader dislikes my comment on grammar, but three support it

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NZ Herald 12 October 2013

Q&As: A rule of thumb on which type of mortgage
- Don't take unnecessary gamble on house prices
- When is a capital gain really a gain?
- Some comfort for immigrant family on taxes
- KiwiSaver for a mum at home with children

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NZ Herald 5 October 2013

Q&As: How fortnightly mortgage payments can help
- New rules and info on KiwiSaver first home help
- Pros and cons of bringing super to NZ from Australia

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NZ Herald 24 August 2013

Q&As: 64-year-old should get rid of mortgage - and join KiwiSaver if she's not already in
- Capital gains tax valuation idea could cause problems
- How changes to the KiwiSaver first home subsidy would work
- Overseas grandson can't join KiwiSaver

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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 22 June 2013

Q&As: What a reader should do with her money now that she's paid off her student loan
- Does your KiwiSaver provider offer this service?
- Share prices move faster than property prices, but does it matter?
- Some property investors overlook cash inputs

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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 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 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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NZ Herald 2 February 2013

Q&As: Interest-only mortgages have major flaws
- Another - good - approach to reverse mortgages
- Are the banks ripping us off with reverse mortgages?
- Spending certainly didn't decrease for this new retiree
- KiwiSaver contributions flexible

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NZ Herald 15 December 2012

Q&As: The pluses outweigh the minuses when putting kids into KiwiSaver
- Some thoughts about reverse mortgages
- Alternatives to reverse mortgages
- An end of year message

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NZ Herald 8 December 2012

Q&As: Child's KiwiSaver account highly unlikely to shrink to zero
- Family could do its own "reverse mortgage"
- Some downsides of reverse mortgages

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NZ Herald 1 December 2012

Q&As: Reverse mortgages can work well, if you know what you're doing
- Where to get comparable info on KiwiSaver fees
- A parent's worries about KiwiSaver are probably unfounded

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NZ Herald 27 October 2012

Q&As: Fortnightly mortgage payments not all they're cracked up to be
- When the overnight money goes in and out of bank accounts
- How to organize retirement savings
- The downside of using rental property for retirement savings
- Last week's correspondent exaggerated his woes

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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 6 October 2012

Q&As: Is now a good time to buy a first home?
KiwiSaver versus mortgage repayment trade-off for self-employed and non-employees
2 Q&As about changes to ANZ mortgage conditions

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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 15 September 2012

Q&As: The big question: does the doom merchant use banks?
- Why NZ banks are not beloved
- How couple close to retirement might be able to get a mortgage
- When saving beats repaying a mortgage
- Low-income reader lives a good life
- Housing NZ offers help to retired people too

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NZ Herald 14 July 2012

Q&As: Use accessible KiwiSaver money to repay credit card debt, and probably mortgage too
- What exactly does growth in GDP mean?
- 3 readers are unhappy with charities asking for more ...
- And a fourth points out how complicated it can get
- An error last week about donations to St Johns?
- Reader happy with his healthcare insurance

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NZ Herald 21 April 2012

Q&As: One retired reader is fed up with a younger person's attitude to superannuitants ...
- While another is amused, and thoughtful
- Effect of a mortgage rate rise on house prices being underplayed
- An overseas landlord must, by law, have an agent here
- Bank gives wrong info on deposits into KiwiSaver

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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 24 March 2012

Q&As: Is it better to go for the most expensive house you can, or the cheapest?
- Adult son in sheltered workshop should keep up with KiwiSaver
- Slight risk of holding back on using student loan repayment bonus

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Syndicated column 24 March 2012 - How to join the new debt cutting trend

We're all living through three "great transitions", said the keynote speaker at a recent conference. One transition is from West to East - with the growing emphasis on China and India, another is from analog to digital, and the third is from debt to saving. Let's look more at that third transition.

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NZ Herald 18 February 2012

Q&As: How much financial support a reader gives their student son
- Two banks offer mortgages that get around problems with revolving credit loans
- An accountant's offer boosts reputation of the profession
- Two Q&As about means testing of NZ Super in some circumstances, and how KiwiSaver fits in
- Yes, there are plenty of companies that don't pay dividends

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NZ Herald 11 February 2012

Q&As: A disadvantage of revolving credit mortgages - it can be hard to keep track of your money
- Should John Banks and co. have shared the profits on the sale of their KiwiSaver scheme with members?
- The one situation in which NZ Super is affected by your KiwiSaver account
- A call for info about student spending

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Syndicated column 3 December 2011 - Columnist is wrong - mortgage repayment is well worth it

Contrarian investing - when you put your money into investments that most people are getting out of - sometimes works well. Such investments are usually cheap. But should we extend that to borrowing when most others are repaying debt?

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NZ Herald 11 June 2011

Q&As: Should couple with iffy job prospects sell their shares to slash their mortgage?
- Young KiwiSaver with an eye on first home help should move to a lower-risk fund
- One KiwiSaver doesn't appreciate how good his deal is ....
- And another is sick of whingers over the scheme
- Did my comment about people's inability to pick investments cover advisers?

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Syndicated column 7 May 2011 - Think before switching your whole mortgage to a floating rate

In a dramatic change over the last couple of years, everyone's moving to floating-rate mortgages. Is this a good idea?

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NZ Herald 9 April 2011

Q&As: Bad experience with fund shouldn't put you off KiwiSaver ...
- ... Nor should low income
- Way of getting around high-interest fixed mortgage not without risk

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NZ Herald 26 March 2011

Q&As: Where does the money go when a finance company fails?
- How bank mortgage interest rates are set, and how to compare them
- Should a reader switch from a fixed to a floating mortgage?

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NZ Herald 19 March 2011

Q&As: Should it take a bank three weeks to cut its mortgage rates?
- Just how great was one family's "Great Mistake of 2009"?
- Reader tells Mary off for forgetting about the expenses of selling a house
- How couple should invest as they approach retirement

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NZ Herald 12 March 2011

Q&As: A reader clearly doesn't like the idea of renting instead of home ownership.
- How risky are mortgages, and who owns a home with a mortgage - you or the bank?
- Share portfolio in some ways better than rental property in retirement

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NZ Herald 26 February 2011

Q&As: Why 55-year-old Mum shouldn't give up on home ownership
- Important to save a little, even if you have a mortgage, to gain market knowledge over the years
- Banks "are just like car dealers"
- Will below-market share buyer lose it all in tax?

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NZ Herald 19 February 2011

Q&As: Repaying debt should be Number One priority - with one important exception
- Money can't buy the most important things in retirement
- Last week's numbers on NZ Super were incomplete - sorry
- Let's demystify share trading, and share holding
- One more advantage of owning shares

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NZ Herald 12 February 2011

Q&As: Here's an incentive to save for retirement
- Would increasing GST have to hurt those on lower incomes?
- Time to count a few blessings
- Lengthening the term of a mortgage can ease payments - but at a price
- Don't let tax drive your investment decisions

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NZ Herald 11 December 2010

Q&As: Earthquake victim faces an old question: whether to invest spare money or repay a loan
- Reader escapes "an endless loop" of credit card payments after using an internet Q&A service
- A "me too" letter raises questions about a bank's policy on fees

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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 2 October 2010

Q&As: KiwiSaver is not guaranteed by the government - but that doesn't mean you shouldn't join
Is it wise to have your KiwiSaver account with your bank?
Banks said to be "stealing" KiwiSaver members from other providers
Does a reader who is speedily repaying her mortgage need a savings account?

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NZ Herald 7 August 2010

Q&As: Does it make sense to try to pick where Baby Boomers will retire and buy property there?
How KiwiSaver works if you move from employment to self-employment
Should couple use lump sum to repay a commercial mortgage or for other investment - and how KiwiSaver affects this?
Some alternatives for investing in emerging markets

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NZ Herald 27 March 2010

Q&As: Why do people pick on landlords?
What tax breaks do rental property owners get that others don't get?
Why some accountants' advice to repay mortgage before joining KiwiSaver is wrong.

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NZ Herald 23 January 2010

Q&As: Should couple repay mortgage with redundancy money, or invest it in KiwiSaver or elsewhere?
Big KiwiSaver provider should know better about first-year tax credits
More information available about investment advisers - and are hourly or percentage fees better?
Less room for trouble if people make their own investments after seeking adviser's recommendations

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NZ Herald 8 August 2009

Q&As: 2 Q&As on whether New Zealanders over-invest in property
Is 50 too old to take out a mortgage?

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NZ Herald July 4 2009

Q&As: Mother seeks advice on financial steps to take after husband is diagnosed with terminal illness
Investor in KiwiSaver cash fund hasn't done as badly as he thinks
Happy landlord reaps rewards from treating tenants well
Advice from this column about loans within families has saved time for a reader time - and money for her parents

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NZ Herald June 27 09

Q&As: Many reasons why repaying home mortgage is better than investing in a rental property
Couple who haven't heard from their KiwiSaver providers need to take initiative
Accountant passes on his tricks about how to keep track of KiwiSaver contributions

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NZ Herald June 6 2009

Q&As: Are rental properties the low-risk way to invest?
How to find out which financial institutions are covered by the government's deposit guarantee scheme
Getting rid of KiwiSaver mortgage diversion was a mercy killing

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NZ Herald February 28 2009

Q&As: Couple approaching retirement should spend most of their savings on paying off their mortgage.
Yes, you can get KiwiSaver tax credits as well as NZ Super.
Reader who distrust government confuses KiwiSaver with NZ Super Fund
Was this column wrong last week about withholding tax on interest paid on a loan within a family?

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NZ Herald February 14 2009

Q&As: The possible perils of parents lending a mortgage to adult children.
Tips on mortgage reduction from a mortgage broker.
How mortgage borrowers could unite to force interest rates down.
2 Q&As on what happens to KiwiSaver money in retirement.

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NZ Herald February 7 2009

Q&As: Some great ideas for reducing your mortgage.
Non-employees are also eligible to join KiwiSaver.
The KiwiSaver tax credit has nothing to do with tax.
Once you're in KiwiSaver, you can't get out again - but should you want to?

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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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NZ Herald January 24 2009

Q&As: Advisor's mortgage offer looks too magical to be true
Children more likely to be angry because their parents didn't sign them up to KiwiSaver than because they did
Too much on KiwiSaver in this column?

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Syndicated column December 9 2008 - Falling mortgage rates your big chance to get ahead

It's hard to believe that less than nine months ago this column featured suggestions for people facing big mortgage rate rises. Now, with floating mortgage rates falling fast, the advice is quite different.

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NZ Herald November 29 2008

Q&As: Repaying a mortgage - on a home or rental property - almost always better than saving with term deposits.
KiwiSaver works well for children.
3 Q&As on charitable Christmas giving.

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NZ Herald November 1 2008

Q&As: There's plenty of hope for worried KiwiSaver in 30s - on the home ownership front and elsewhere.
National's plans for KiwiSaver make mortgage diversion much less attractive for many.
Plus: Readers' comments on KiwiSaver

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NZ Herald October 4 2008

Q&As: A happy share investor, and how you might get out of shares if you need to in the current market.
How does KiwiSaver mortgage diversion work for someone with a "2 + 2" contribution arrangement?
Plus: Winners of the Herald book giveaway

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NZ Herald September 27 2008

Q&As: Why KiwiSaver mortgage diversion is such a good idea.
Should the government intervene to stop house prices from falling?

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NZ Herald September 20 2008

Q&As: Disgruntled KiwiSaver has actually done really well
Mortgage diversion finally available - soon - to most KiwiSavers

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NZ Herald June 28 2008

Q&As: Why older people get a better deal from KiwiSaver, but younger people should nevertheless still join.
Do interest-only mortgages qualify for mortgage diversion?

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Syndicated column March 18 2008: Choices for those hit by mortgage rate rises

The offers are already being made to people facing big mortgage interest rises. "If your lender won't renegotiate, we've got deals that will lower your payments," they say. Are these deals any good?

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Syndicated column February 19 2008 - Mortgage diversion well worth it for many

The term "mortgage diversion" will be on more and more lips as KiwiSaver approaches its first anniversary in July.

It's not too early to think about whether this feature of the scheme - available after 12 months membership - would work well if you are already in KiwiSaver, or could attract you into the scheme.

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NZ Herald October 6 2007

Over the next few weeks, this column will run highlights from Mary Holm's quarterly newsletter Holm Truths. Mary's regular Q&A column will resume on October 27.

MORTGAGE MOVES

You've probably got the message by now: It's a great idea to pay off your mortgage as fast as possible.

Paying off a 9 per cent mortgage, for example, is equivalent to making an investment that pays you a guaranteed return of 9 per cent after fees and taxes. And it's risk-free.

But not everyone is in a position to pay extra off...

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NZ Herald June 30 2007

Q&As: Three Q&As about KiwiSaver - reimbursement of employer contributions; is daughter overseas eligible?; when is mortgage diversion helpful?; where can you get the information that was in the three Herald supplements about KiwiSaver?
Rental property running costs mount up over the years.

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Syndicated column April 17 2007: Obsessed with property? Not us

New Zealanders are not as property mad - or as mortgage mad - as we've been led to believe, recent research shows.

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NZ Herald April 7 2007

Q&As: A year-old letter shows the danger in trying to predict what the Kiwi dollar will do
"Plodders" wonder how to match the investments of their landlord friends
Traders in shares beyond Australasia no longer pay the old tax on capital gains
How about taxing rental property the same way as international shares?

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NZ Herald March 31 2007

Q&As: Have you got what it takes to borrow to invest in a share fund?
How frequent traders in international shares will be taxed under the new rules.
How Inland Revenue might catch property traders.

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NZ Herald March 24 2007

Q&As: Should we blame the banks for soaring house prices?
2 Q&As on the new fair dividend rate tax on non-Australasian shares - the threshold, and trying to get around the rules
2Q&As on home equity release - lifetime interest rates and break fees if you change your mind

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NZ Herald March 17 2007

Q&As: Landlords, beware! Changes being considered in rental property taxation.
Reader feels unfairly punished by Reserve Bank's interest rate hike.
The word "secured" in a debenture ad is hardly a warning sign. The company is just following the law.

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NZ Herald March 10 2007

Q&As: Many elderly, and others, could benefit from rates postponement schemes.
Why floating interest rates might be better - for home equity release schemes and ordinary mortgages.
A not-so-dumb question about the $50,000 exemption for international tax changes, and a new source of info on the changes.

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NZ Herald February 24 2007

Seeking your questions about KiwiSaver
Q&As: Woman in mid 50s, who is renting, explores options for buying a home
2 Q&As about the $50,000 threshold in the new regime on taxation of international shares

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NZ Herald January 13 2007

Q&As: Options for a newly retired couple with $200,000 and no home include part-time work, buying a home with a flat attached, an interest-only mortgage and equity release.
Two Q&As on which investments are affected by the new tax law on international shares, and how it will work for investors.

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NZ Herald November 25 2006

Q&As: Is it a good idea to go back to 100 per cent mortgage on rental and invest the money in a term deposit?
A reader supports gradually building up a share portfolio.
Another charity offers Christmas gifts for the needy on behalf of your friends and relatives.
Reader wants more info on charities before making gifts.
A Sydney minister's quick-witted response.
Prices then and now - and how houses fit into the picture.
Cathedral carvings show inflation is nothing new.
A reader's pie and doughnut confession.

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Holm Truths Spring 06

Mortgage moves: How you can make the big loans work better for you
Also in this issue: From the mailbox - Is it a good idea to increase your mortgage and invest the money elsewhere?

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NZ Herald July 15 2006

Q&As: Lessons from the Bible: Is borrowing bad?
Is luck or attitude the secret to wealth?
Sharebrokers shouldn't always be expected to give ongoing advice.

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NZ Herald February 11 2006

Q&As: Couple should spend less?
Wealth isn't always money.
How last week's correspondent made his millions.
Making extra payments on fixed mortgages without penalties.

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NZ Herald January 28 2006

Q&As: 27-year-old overseas doesn't need more than 4 rentals in NZ.
Should more conservative 26-year-old get revolving credit mortgage?

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NZ Herald January 21 2006

Q&As: Shares v term deposits - it depends how much time you have.
Short-of-cash millionaires should try to renegotiate their mortgage.
When is a 2% penalty not 2%?

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NZ Herald December 17 2005

Q&As: Should newly separated woman buy a house or rent?
Our total tax rate depends on whether we spend or save.
End of year message.

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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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NZ Herald December 3 2005

Q&As: Who gets the money when mortgage rates increase?
2 Q&As on whether the tax rate on second jobs is fair.

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NZ Herald October 29 2005

Q&As: Should immigrant solo mother get into the housing market now?
What is an index fund?
How exchange traded funds work.

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Syndicated column October 18 2005: Home ownership not the only road to wealth

Shock, horror! Home ownership is falling and will continue to fall. But is that so bad?

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NZ Herald September 10 2005

Q&As: How to go about investing your student loan.
How to find rating information on finance companies.

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NZ Herald August 20 2005

Q&As: Should a youg woman put her savings into her rental mortgage or diversify?
How to get through to Inland Revenue.
Take care when depreciating rental property.

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NZ Herald August 13 2005

Q&As: Risky to buy shares while waiting to buy a house.
Is the gain on excess shares in an IPO taxable?
Rental property depepreciation and Inland Revenue.

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NZ Herald July 23 2005

Q&As: Pay off rental property mortgage as you approach retirement.
When is a capital gain taxable?

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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 July 9 2005

Q&As: Is geared rental property right for everyone?
Perhaps the woman last week should wait befoe buying a house.

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Syndicated column May 31 2005: How KiwiSaver will work for you

How you might react to the KiwiSaver programme in the recent budget depends on your circumstances.

Under the programme, scheduled to start in April 2007, employed people, the self-employed or beneficiaries can contribute 4 or 8 per cent of their income to a saving fund.

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NZ Herald May 7 2005

Q&As: A letter to give a spouse who is mean with money.
Where to get info on interest rates.
Returns on share funds, and debt repayment.

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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 April 23 2005

Q&As: Is it better to repay your mortgage or invest in a work super scheme?
Website with interest rate info.

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NZ Herald April 9 2005

Q&As: Where should a 13-year-old put his regular savings?
Extra repayments on a fixed mortgage.

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NZ Herald April 2 2005

Q&As: Different banks' policies on early repayment of fixed mortgages.
The man in last week's Q&A could stick with properties.

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NZ Herald March 19 2005

Q&As: Tips for a 12-year-old on how to save.
A revolving credit mortgage might be just the thing.
One way to spot a leaky home.

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NZ Herald February 19 2005

Q&As: Young couple take a break from work.
Some other options for the couple in the column two weeks ago.

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NZ Herald February 5 2005

Q&As: Where to from here for 56-year-old rental property owner?
Should rich people be writing this column?

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Holm Truths spring 04

Investor beware!: How to spot a rip-off or scam

Also in this issue: From the Mailbox - Plans for single mother of 41

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Holm Truths summer 03-04

Time is Money: A basic principle that helps you understand investing

Also in this issue: Great Debate - Revolving credit v traditional mortgages

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Holm Truths winter 02

Getting into gear: Borrowing to invest makes a good investment better and a bad investment worse

Also in this issue: Great Debate - Fixed v floating mortgages

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Holm Truths autumn 02

Burrowing into borrowing: Buying goods and services using credit cards or hire purchase can hurt your wealth

Also in this issue: Great Debate: Credit cards v EFTPOS

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Holm Truths spring 01

Taking on the world: Spread your share investment money across the world

Also in this issue: Great Debate - Investing v repaying your mortgage

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