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.

Investing in Retirement

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 3 June 2017

Q&As: Is mortgage interest as 'dead' as rent?
- $1 million needed in retirement, says reader ...
- ... But here's how you can do well with half that

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NZ Herald 25 March 2017

Q&As: A good reason to have a high credit card limit
- One reader fires his bank ...
- ... While another is fiercely loyal
- Why I prefer managed funds over shares for most
- Rules about income for recipients of rest home subsidy

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NZ Herald 23 July 2011

Q&As: Calling all KiwiSaver providers: Please let us know if you have plans to offer annuities or similar
- Other payout possibilities for retired KiwiSavers
- Couple who have returned to NZ but still own UK house should sell it, buy here and get on with enjoying life
- Dwindling children's KiwiSaver accounts possible but unlikely

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Syndicated column 27 March 2010 - Wanted: better insurance against outliving our savings

Imagine you're heading into retirement. You'll get NZ Super, but you also have savings in KiwiSaver or elsewhere. You would like to spend that money over the rest of your life and leave the house to the kids. But - not knowing how long you will live - how can you decide how much to spend each year?

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This week, Mary Holm's Q&A column is replaced by an excerpt from her latest book, "The Complete KiwiSaver". The principles she discusses here apply not just to KiwiSaver but to investing in general. Her Q&A column will resume next week.

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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 September 16 2008: Retirement payments likely to make a comeback

Annuities - which are typically monthly payments to retired people, over and above NZ Super - may be on their way back onto the New Zealand scene.

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NZ Herald April 14 2007

Q&As: A tax on house sales, to subsidise first home owners, is a lovely idea that wouldn't work.
Renting and saving elsewhere can leave you better off than home ownership.
Semi-retired couple who sold their home and rent are probably doing fine.

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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 December 9 2006

Money column for December 9, 2006

Win a ticket to a seminar
Q&As: Should retired couple invest in a commercial property? Why take on that risk?
Can we predict NZ dollar movements?
When is it best to change money from US to NZ currency.
A US website that evaluates international charities.
Yet another charity offers a Christmas gift programme.

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NZ Herald April 1 2006

Q&As: Can he retire?, 40-year-old asks.
Couple about to retire wonder if their expenses will drop as they get older.
Student loan interest ends. What happens if you go overseas?

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Holm Truths summer 05-06

Can you get rich quick?: Only by taking big risks

Also in this issue: From the Mailbox - Spending in retirement

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