Your Money With Mary Holm

Mary answers listeners' worries about KiwiSaver. They include: how to learn the basics of the scheme; whether the government can be trusted not to take the money; whether fees are ripping off children in KiwiSaver and more. KiwiSaver has now been going for about 10 years, but some of the inner workings are still a bit of a mystery to many, and there's further questions about fees, government...

A new survey shows New Zealanders are keen on ethical - sometimes called responsible - investing. But not so many are taking steps to ensure their KiwiSaver and other investments follow these principles. A new survey shows New Zealanders are keen on ethical - sometimes called responsible - investing. But not so many are taking steps to ensure their KiwiSaver and other investments follow these prin...

A recent gathering of a group called Women in Super looked at findings from a Financial Markets Authority survey that showed men tend to know more about investing than women and are more confident at it. Women tend to avoid varied and risky investments compared with men, and tend to have less money over time as a result, research shows. This week on Your Money with Mary Holm, she discusses the fin...

Everybody, can be victims of money making or investment scams, fraud, or bad deals. This week on Your Money with Mary Holm, she offers advice and information on warning signs and some known scams. Everybody, can be victims of money making or investment scams, fraud, or bad deals. This week on Your Money with Mary Holm, she offers advice and information on warning signs and some known scams. She te...

Mary and remuneration expert Geoff Summers discuss a controversial issue from the last segment about employer contributions to KiwiSaver - a practice called total remuneration. Then Mary turns to a survey on KiwiSaver. A recent ASB survey showed only 22 percent of respondents said they have a high understanding of KiwiSaver. And knowledge of various investment types was also a cause for concern, i...

Mary discusses suggestions made by a panel of experts at a recent conference on how to improve KiwiSaver. She's not keen on making the scheme compulsory, and wants to see an end to "total remuneration". Mary discusses suggestions made by a panel of experts at a recent conference on how to improve KiwiSaver. She's not keen on making the scheme compulsory, and wants to see an end to "total...

The Commission for Financial Capability is suggesting that some KiwiSaver contributions be diverted into a rainy day fund, which people can draw on in a financial crisis. A new source of rainy day money would be available to many New Zealanders if an idea proposed at a conference this week is taken up by the government. The Commission for Financial Capability is suggesting that some Kiwi Saver con...

Mary discusses a listener's letter questioning the spending habits of elderly and single women, before taking a look at gender differences in money management, investment and risk. A letter from a listener prompted Mary to ponder the differences between women and men and they way they handle their finances. Listen to Mary Holm The listener, a single woman, ponders why the elderly and single women...

It's important to meet several financial advisors before committing to one, says Mary Holm. She talks about why you might want to use a financial advisor, how to make a shortlist and some good questions to ask when you meet them. no metadata It's important to meet several financial advisors before committing to one, says Mary Holm. She talks about why you might want to use a financial advisor...

It's unwise to keep moving investments around in response to market surges or slumps, not least because by the time you act they're likely to have moved again, says Mary Holm. It's unwise to keep moving investments around in response to market surges or slumps because by the time you act they'll probably have moved again, says Mary Holm. no metadata Trying to 'time' the share o...

Sticking with only NZ investments is foolish Mary Holm says. She explains why and answers listener questions. The obvious reason to invest beyond New Zealand is that you spread your risk much more, says personal finance columnist and author Mary Holm. Listen to Mary Holm on Jesse Mulligan. Many industries are not represented in the NZ markets. And when the local markets fall, world markets sometim...

Over the long term a renter could win over a home buyer if their extra money is invested steadily and wisely, personal finance expert Mary Holm says. Discouraged renters who feel they may never save enough to own their own home should consider making the most of being a tenant for life, or at least until retirement, says personal finance expert Mary Holm. Listen to Mary Holm To make it work, rente...

This week personal finance expert Mary Holm asks if rental properties are still a good investment. This week personal finance expert Mary Holm asks if rental properties are still a good investment. She looks at the pros and cons of investing in a rental and why rentals are riskier than they seem. Go to this episode on rnz.co.nz for more details

Is a young person better to go into an apprenticeship, or an undergraduate degree? Graduates and apprentices end up with about the same amount of money at the end of their careers according to a 2017 BERL study commissioned by the Industry Training Federation. That's despite graduates generally earning a higher salary later in life. Mary Holm says the message from this is less about what your...

How to best deal with a student loan. We got this letter from a young listener, and Mary answers all of her questions: I'd love to hear about student loans and some tips and tricks on how to deal with debt, especially at such a young age. Maybe you could get Mary Holm to talk about it. For myself I'm wondering if it's best to save up money in a savings account or term deposit to gai...

This week Mary tackles the worries and misunderstandings about the New Zealand Super. This week Mary tackles the worries and misunderstandings about the New Zealand Super. Go to this episode on rnz.co.nz for more details

It's the ten years since the KiwiSaver scheme was launched and Mary Holm has been looking what impact it's had on New Zealanders' nest eggs. It's the ten years since the KiwiSaver scheme was launched and Mary Holm has been looking what impact it's had on New Zealanders' nest eggs. She carried out a survey asking readers of her New Zealand Herald column how they had fared since 1 Jul...

Most of us are in bonds via our superannuation and kiwisaver schemes. Personal Finance expert Mary Holm looks at bonds - what they are, how safe they are, and why you should know about credit ratings. Most of us are in bonds via our superannuation and kiwisaver schemes. Personal Finance expert Mary Holm looks at bonds - what they are, how safe they are, and why you should know about credit ratings...

Mary Holm answers more listener questions on Kiwisaver, particularly for people who are near retirement or already 65. Go to this episode on rnz.co.nz for more details

"Why I'm sticking with shares for the long term - despite recent research." A listener writes to express concern at Mary's insistence on risky shares as the best path to retirement security. Mary Holm responds. Go to this episode on rnz.co.nz for more details

Mary Holm discusses Kiwisaver and ethical investment, plus her approach to investing in shares - is it really 'dangerous'? Mary Holm discusses Kiwisaver and ethical investment, plus her approach to investing in shares. Is it really 'dangerous'? Go to this episode on rnz.co.nz for more details

Personal finance expert Mary Holm looks at clever and not-so-clever moves with mortgages. What's the clever move for you to make with your mortgage? Go to this episode on rnz.co.nz for more details

Why do some people spend too much, while others are more miserly? Personal finance expert Mary Holm talks about bad shopping habits and has some advice for big spenders. Why do some people spend too much, while others are more miserly? Personal finance expert Mary Holm talks about bad shopping habits and has some advice for big spenders. Go to this episode on rnz.co.nz for more details