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Mary Holm

Mary Holm's picture

Member since

31 March 2008


Qantas Media Award winner Mary Holm writes a column in the Weekend Herald and another column in the Dominion Post, Waikato Times, Christchurch Press and other papers. She is a part-time senior lecturer in financial literacy at the University of Auckland, and also presents seminars and frequently discusses personal finance on radio and television.

She has written four books about KiwiSaver or personal finance – including "KiwiSaver: How to make it work for you", New Zealand's best-selling book for 10 weeks. She holds a BA in economic history (Victoria University), MA in journalism (University of Michigan) and MBA in finance (University of Chicago).


  • Which PIR Tax Rate Should We Use For Joint Investments?

    We have joint investments - my wife works (for which I am eternally grateful), and I don't (well, not for much money in any case). Her PIR rate is 21 per cent and mine is 12.5 per cent. So far, so good.

  • Is KiwiSaver As Good As It Seems?

    Aged 90, I've known various financial opportunities, both fortunate and disastrous.

  • I'm In My Mid-60s: Should I Contribute To KiwiSaver?

    I am in my mid-60s and have been made redundant after decades with the employer. I would like to take the opportunity to enjoy an early retirement, but will obviously need to cut back expenditure at least until I qualify for New Zealand Superannuation at 65.

  • Will I Get Better Investment Advice From Advisers Who Charge Fees?

    While I am sure many consumers will welcome your proposed list, I think it should be made clear that just because an adviser charges a fee rather than receiving remuneration by some other means, that is no guarantee the advice will be sound and appropriate.

  • Seeking Investment Advice: What's Better, Commission Or Fees?

    So you think if financial advisers charge fees that will solve everything. I have spoken to several advisers that have moved to fees only. They have all sacked their smaller clients.

  • What Type Of Investment Will Work Best For Me?

    What investment style is best for me - conservative, growth, or balanced?

  • Is Health Insurance Worthwhile?

    My wife and I are 68 and 66 respectively, happily retired and financially secure. We are both in good health, though both have had hip replacements in recent years.

  • How Risky Are Perpetual Preference Shares?

    ASB, Origin Energy and Rabobank perpetual preference shares with annual interest resets seem to be a risky investment.   I feel this was unclear in the original prospectuses.

  • Should I Transfer The Payout From My Company Super Scheme To KiwiSaver?

    I am about to be made redundant. I had been contributing to a company superannuation scheme during the time I have been employed with the company. I had also recently joined KiwiSaver, so was contributing to both.

  • Do I Need To Pay Tax On The Capital Gain From An Investment Property?

    I am a tax agent and I have offered advice to clients on the attitude of the IRD to capital gains made by individuals on the sale of rental properties. There are no clear guidelines, so I advise that should they sell, they must satisfy the IRD that they sold for reasons other than capital gain.

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