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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).


  • Should I Sell My Shares?

    I've been thinking about whether it makes sense to hold on to shares and wait for the upturn, or sell now. 

  • Why Did NZ Super Not Increase When Tax Rates Dropped?

    I wonder if you can tell me why the rate of NZ Superannuation did not increase last October 1 when income tax rates went down.

    People receiving NZ Super did get an increase in the hand as their tax rate went down.

  • Should My Son Enrol In KiwiSaver To Help Him Buy A Home?

    My 20-year-old son has an $80,000 student loan and is currently earning $28,000. He isn't enrolled in KiwiSaver yet and I have great concerns about him being able to afford a home.

  • What Should We Do With Our Savings?

    I am a 65-year-old immigrant, my wife is 59. Ten years ago we bought a property. On a realistic basis its value should be $360,000 to $380,000. My mortgage is $105,000.

  • Should We Invest With Family?

    We have a mortgage of approximately $200,000 with a bank, at approximately 7 per cent. My in-laws have money invested at a bank with interest at approximately 5 per cent.

  • I'm On An Invalid's Benefit. Should I Enrol In KiwiSaver?

    I am 57 years old, live alone and am on an invalid's benefit. I am told that it is very unlikely that I will ever be well enough to work again, but that my medical condition is unlikely to shorten my life span, so I do have to consider how I am to manage financially for the next 25 years.

  • Should I Split My Mortgage?

    I'm interested in ways to painlessly reduce mortgages.

    I'm aware of ways of structuring a home loan so that you can pay it off faster. In a scenario often postulated and oversold by mortgage brokers, you could in theory pay off your loan in 10 years instead of 25 years.

  • How Can I Minimise Mortgage Interest By Using Revolving Credit ?

    I am a lawyer and I see many mortgages. Some years ago a client of mine brought in his broker to explain the how mortgage savings work.

  • Should I Sign My Children Up For KiwiSaver?

    I predict there's going to be some very angry young people in the future, when they find out they've been signed up to KiwiSaver without their consent.

  • What Are The Key Features Of National's KiwiSaver Law?

    With the new changes to KiwiSaver, "contributions to KiwiSaver will be lowered to 2 per cent of the weekly wage, matched by Government", the Herald said this week.

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