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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).


  • Does NZ Invest More In Investment Property Than Other Markets?

    I frequently hear and read commentators saying, usually with a degree of disapproval, that collectively New Zealanders invest too much in residential property, have a love affair with rental property investments, etc.

  • When To Judge The Performance Of Your KiwiSaver Fund

    Why would I have to wait three years to see if my KiwiSaver cash investment is any good on a relative basis - as discussed in your column recently? Cash is generally defined as fixed-interest investments of less than 365 days and in practice many use 180 days.

  • What Should We Do With The Deposit We Have Sitting In The Bank?

    My wife and I are in our mid-40s and we have two children, 12 and 10. We live on my income as a teacher (around $60,000) plus receive a Working For Families top-up of about $200 a fortnight. We spend $360 a week on rent.

  • How Hard Is It To Get On The ASIC Register?

    I have been approached by a company called Winston Pride & Associates which is listed with the Australian Securities & Investments Commission.

  • How Will The Removal Of The $40 A Year KiwiSaver Fee Subsidy Affect Me?

    My partner and I joined our 10-year-old daughters to KiwiSaver some 18 months ago. Since then we've left their accounts well alone, which seemed to be your advice, as without the tax credit that adults get it was better to pay off our mortgage sooner.

  • Credit Card Vs EFTPOS For Day To Day Transactions?

    I am amazed at people who still use EFTPOS cards for everyday transactions.

    I maintain a Visa card with a P.I.N. that I use exactly like an EFTPOS card, and the most it costs me is $25 per year.

  • Should I Convert My Investments To High-Quality Bonds And Cash?

    I've heard before: "If you are within 10 years or so of spending your savings, move it out of shares, property and other risky assets into high-quality bonds and cash."

  • Should We Use Savings To Pay The Mortgage Or Buy More Property?

    My husband and I, in our 30s, both work for the government with combined income of $180,000 annually. But I am looking at going part-time later this year to start a family. That will reduce our pay to $120,000.

  • Should I Change My KiwiSaver Provider?

    I joined KiwiSaver from inception date, with my first salary deductions credited to IRD on July 15, 2007. I chose Westpac KiwiSaver, to be loyal to my employer whose banking was with Westpac. I chose the Cash Fund, as I am nearing retirement (born 1952) and my risk appetite is low.

  • Questions For KiwiSaver Members In Their 60s

    A couple of questions regarding KiwiSaver. I am 64 years old and not employed.

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