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Helen Twose
Columnist

Personal finance and KiwiSaver columnist at the NZ Herald

We are your advocate, Aotearoa. Uncovering stories that matter, asking hard-hitting questions of those in power, live-blogging sport events, monitoring the highs and lows of the NZX and providing Premium expert opinion and analysis. Bringing you distinctive, quality journalism and breaking news from across New Zealand and around the world. With specialists working together to create indepth reads, engaging video, and unmissable podcasts.

Check out Helen’s latest content
Data drives decisions
Business

Data drives decisions

06 Apr 06:00 PM
Wellness in the workplace
Employment

Wellness in the workplace

30 Mar 05:00 PM

Southern Cross programme delivers fewer absences and lower staff turnover.

From early lessons to board chair
Business

From early lessons to board chair

23 Mar 05:00 PM

Partners at PwC New Zealand have elected their first woman chair

Money man behind movie magic
Business

Money man behind movie magic

16 Mar 07:08 PM

Weta Digital's chief operating officer says he's a support player.

Executive success: Paul Adams
Manufacturing

Executive success: Paul Adams

09 Mar 05:00 PM

Stabicraft's boats are rugged, but they have to look good too, says company founder.

Embracing diversity in a rush
Employment

Embracing diversity in a rush

02 Mar 07:51 PM

Rhonda Koroheke has some sage advice for organisations looking to tackle diversity in the workplace.

From receptionist to the top job
Business

From receptionist to the top job

23 Feb 05:00 PM

When Catie Cotcher started with accounting software company Reckon 17 years ago, she was the receptionist.

Executive Success: From tech boss to grocer
Opinion

Executive Success: From tech boss to grocer

16 Feb 05:12 PM

As he prepared to launch out on a new career trajectory after 24 years with Spark, Chris Quin made three lists.

Executive Success: Planning for change
Business

Executive Success: Planning for change

09 Feb 05:00 PM

It wasn't a 3am, lightbulb moment that set Steve McCrone on a different path, it was a realisation of the whirlwind change shaping today's business environment.

Finance job bigger than the books
Business

Finance job bigger than the books

06 Feb 08:26 PM

Ridding strategy of jargon can be a challenge, but it's likely to help businesses in the long run, Helen Twose writes.

No longer the only woman in the room
Telecommunications

No longer the only woman in the room

26 Jan 08:55 PM

COMMENT: Women embracing their strengths, says telco boss.

Building a career from numbers
Business

Building a career from numbers

19 Jan 07:14 PM

Actuaries' work is no longer confined to the world of finance.

Selling ice cream to China
Business

Selling ice cream to China

01 Dec 06:14 PM

When it comes to eating ice cream, the people of Invercargill are New Zealand champions.

Young staff mentoring older at ASB
Banking and finance

Young staff mentoring older at ASB

24 Nov 07:37 PM

It was the throngs of people in Mission Bay, hunched over their phones, that got to Kevin McDonald.

Executive success: Medicine minus the blood
Healthcare

Executive success: Medicine minus the blood

17 Nov 09:50 PM

Kate Reid, general manager of Orion Health NZ, faints at the sight of blood.

Cost quest in good health
Energy

Cost quest in good health

17 Nov 04:00 PM

Finding a remedy for high energy use is creating healthy connections between staff at Wellington's Capital Coast District Health Board. The

Executive Success: When in doubt, give it a crack
Business

Executive Success: When in doubt, give it a crack

10 Nov 05:00 PM

If Jacqui Nelson's motto for life and work could be summed up in a few words, it would be: just give it a crack.

Executive success: Working around the world
Business

Executive success: Working around the world

03 Nov 05:00 PM

COMMENT: Job with global giant has kept manager on the move.

Business Focus: Marching to their own beat
Banking and finance

Business Focus: Marching to their own beat

02 Nov 09:00 PM

Manager's focused strategy pays off in ratings, writes Helen Twose.

Think ahead, KiwiSavers urged
KiwiSaver

Think ahead, KiwiSavers urged

27 Oct 05:00 PM

When it comes to getting people thinking about retirement, one provider is blowing competition out of the water.

KiwiSaver: Big numbers hide problems
KiwiSaver

KiwiSaver: Big numbers hide problems

27 Oct 05:00 PM

KiwiSaver has attracted 2.6 million New Zealanders, with an average of 400 people joining every day.

Audit yields double payoff
Energy

Audit yields double payoff

27 Oct 04:00 PM

A brand new factory commissioned in 2000 gave Millennium Plastics the high tech edge but an energy audit less than a decade later

Executive Success: Opening the boardroom door
Business

Executive Success: Opening the boardroom door

20 Oct 08:13 PM

Former head of State Insurance explains her decision to step out of her executive role .

Taking bright ideas to the next level
Business

Taking bright ideas to the next level

13 Oct 07:27 PM

COMMENT: You have to be happy living with stress, entrepreneur says.

Executive success: Career switch pays off
Energy

Executive success: Career switch pays off

07 Oct 12:15 AM

COMMENT: Accountant's focus is now on electricity customers.

Helen Twose: KiwiSaver is money of last resort
Opinion

Helen Twose: KiwiSaver is money of last resort

01 Oct 04:00 PM

COMMENT: Nearly 11,000 people successfully applied to withdraw money from their KiwiSaver in the year to June.

Executive Success: Minding other peoples' business
Small Business

Executive Success: Minding other peoples' business

29 Sep 10:00 PM

COMMENT: Small business owners offered a guiding hand.

People power key to efficiency
Business

People power key to efficiency

28 Sep 04:00 PM

Six steps to staff engagement 1: Set up a team. 2: Research attitudes and behaviour. 3: Identify actions and timelines. 4: Implement

Helen Twose: Beware new-job small print
Opinion

Helen Twose: Beware new-job small print

24 Sep 04:00 PM

COMMENT: Total remuneration means all the employment benefits are reflected in the salary or wages.

Young achiever plays matchmaker
Business

Young achiever plays matchmaker

22 Sep 10:00 PM

COMMENT: Entrepreneur's scheme helps younger people into governance.

Helen Twose: Sisterly love buys a home
Opinion

Helen Twose: Sisterly love buys a home

17 Sep 05:00 PM

COMMENT: Anyone who has been a KiwiSaver member for at least three years and hasn't previously owned a home may be able to withdraw their savings.

Executive success: NZ in an ocean of uncertainty
Opinion

Executive success: NZ in an ocean of uncertainty

15 Sep 06:00 PM

COMMENT: NZ better than many, but future is clouded says visiting scholar

How did a thief repay debt with KiwiSaver?
Opinion

How did a thief repay debt with KiwiSaver?

10 Sep 05:00 PM

COMMENT: Applicants are expected to provide physical evidence of their financial hardship.

Helen Twose: Language the key to Asia
Employment

Helen Twose: Language the key to Asia

08 Sep 06:00 PM

COMMENT: The key ingredients for cracking the business bigtime in Asia can be found close to home.

Business Innovation: Workers need to go with the flow
Business

Business Innovation: Workers need to go with the flow

05 Sep 09:55 PM

The future belongs to the 'liquid workforce'.

You can't simply turn back KiwiSaver clock
Opinion

You can't simply turn back KiwiSaver clock

03 Sep 05:00 PM

COMMENT: IRD says if an employee thinks deductions or contributions haven't been made they need to contact it within 12 months of starting a new job.

Helen Twose: Help yourself, then help others
Employment

Helen Twose: Help yourself, then help others

01 Sep 06:00 PM

COMMENT: Hospitality head wants it to be a more attractive career choice.

Facing violence, the taboo topic
Employment

Facing violence, the taboo topic

25 Aug 06:00 PM

EY policy combats conflict at home, writes Helen Twose.

Energy upgrade's double dividend
Business

Energy upgrade's double dividend

25 Aug 05:00 PM

A grand design for energy efficiency has paid dividends for both the tenant and owner in a Christchurch office makeover. When Goodman

Twose: Taking nature into account
Opinion

Twose: Taking nature into account

25 Aug 05:00 PM

COMMENT: You don't always know what you've got until it's gone, but a new tool is helping businesses appreciate the natural resources they use.

Engineering a 50/50 gender split
Business

Engineering a 50/50 gender split

25 Aug 04:00 PM

Firm's effort is attracting more women to a male-dominated field, writes Helen Twose.

My wife missed out on $16,500 from KiwiSaver
Opinion

My wife missed out on $16,500 from KiwiSaver

20 Aug 05:00 PM

COMMENT: Unlike in Australia, where superannuation saving is compulsory, joining KiwiSaver is your choice.

Excecutive Success: Aiming to make a better brew
Employment

Excecutive Success: Aiming to make a better brew

19 Aug 12:00 AM

Even in the long-established tea and coffee trade, there's still room for innovation.

Estating case for getting HomeStart Grant
Opinion

Estating case for getting HomeStart Grant

13 Aug 05:00 PM

COMMENT: There's nothing like a bit of legal jargon to trip you up and the KiwiSaver first-home withdrawal rules have plenty of it.

Executive Success: New industry, same ambitions
Telecommunications

Executive Success: New industry, same ambitions

11 Aug 09:54 PM

From Nike to Spark, marketer says his move isn't really such a big leap.

Helen Twose: When you're 65 ...
Opinion

Helen Twose: When you're 65 ...

06 Aug 05:00 PM

COMMENT: Your member tax credit is based on how much you contribute during the KiwiSaver year, not on the calendar year.

All pension schemes are not made the same
Opinion

All pension schemes are not made the same

30 Jul 05:00 PM

If you transfer your UK pension funds to a non-QROPS before you turn 55 , early withdrawal penalties could apply.

Big gains on tap from trimming energy use
Opinion

Big gains on tap from trimming energy use

28 Jul 05:00 PM

Efficiency moves by industry deliver financial savings.

Banker gives full credit to the team
Banking and finance

Banker gives full credit to the team

28 Jul 05:00 PM

The spirit of time spent on the rugby field permeates Martin Gaskell's career.

Putting insight in the right hands
Business

Putting insight in the right hands

28 Jul 05:00 PM

Data is good but acting on it is better, writes Helen Twose.

There is a time limit on starting
Opinion

There is a time limit on starting

23 Jul 05:00 PM

For those who have joined KiwiSaver prior to turning 65 there is no requirement to withdraw the funds or close your account once you are 65 or eligible to access the money.

Helen Twose: From icecream to insurance
Opinion

Helen Twose: From icecream to insurance

21 Jul 05:00 PM

COMMENT: More than 20 years after launching Magnum icecreams, it's still a case study Rob Hennin regularly comes back to.

Helen Twose: Can I buy a plot of land?
Opinion

Helen Twose: Can I buy a plot of land?

16 Jul 05:00 PM

COMMENT: HomeStart grant, which can provide a boost of $3000-$20,000 depending on your circumstances, has different hurdles to the KiwiSaver withdrawal.

Twose: Focus on output, not hours put in
Business

Twose: Focus on output, not hours put in

14 Jul 05:00 PM

If it's 4pm on a Tuesday, you won't find Competenz chief executive Fiona Kingsford in the office.

Helen Twose: Can I buy my first home in Blighty?
Opinion

Helen Twose: Can I buy my first home in Blighty?

09 Jul 05:00 PM

COMMENT: KiwiSaver can be accessed for buying a first home, but one of the eligibility criteria is that the house or land must be in New Zealand.

Bankrupt and starting again? There are options
Opinion

Bankrupt and starting again? There are options

02 Jul 05:00 PM

comment: Since the beginning of July income caps have been removed for previous home owners wanting to withdraw savings to get back into housing market.

OE shaped a beautiful career
Business

OE shaped a beautiful career

30 Jun 05:30 PM

When Angela Buglass decided against a career in the military, she found herself in the beauty industry.

Mega firms learn to be nimble
Business

Mega firms learn to be nimble

27 Jun 10:50 PM

Agile startups have taught their more established cousins a thing or two, writes Helen Twose.

You can stay profitable with sustainable option
Construction

You can stay profitable with sustainable option

27 Jun 09:00 PM

Compact, liveable cities can be the most efficient places for people to live, writes Helen Twose.

Twose: It's all about getting a start
Opinion

Twose: It's all about getting a start

25 Jun 05:00 PM

COMMENT: Housing NZ assesses applications on behalf of KiwiSaver providers to understand if the applicant is in the same financial position as a first-home buyer.

Online shoppers short on loyalty
Business

Online shoppers short on loyalty

23 Jun 05:00 PM

Adland's highly airbrushed images are no longer cutting it with today's beauty product fans, opening up new opportunities to get under the skin of consumers.

Words give way to building tools
Business

Words give way to building tools

18 Jun 05:00 PM

Auckland's sky-high house prices were the catalyst for a former advertising executive to chuck in a 20-year career and pick up tools.

Helen Twose: Where there's a will, there's less pain
Opinion

Helen Twose: Where there's a will, there's less pain

18 Jun 05:00 PM

A couple of weeks back I asked Charlotte Lockhart from Perpetual Guardian about what happens to KiwiSaver funds when you die.

Executive Success: Home to plump up wine sales
Business

Executive Success: Home to plump up wine sales

16 Jun 09:24 PM

With a mere 2pc of the market, the field is wide open for New Zealand tipples.

'First-home buyer' means what it says
KiwiSaver

'First-home buyer' means what it says

11 Jun 05:00 PM

One of the criteria to qualify as a first-home buyer is that you have never held an "estate in land", either solely or jointly with another person.

Executive Success: Indigenous touch for technology
Business

Executive Success: Indigenous touch for technology

09 Jun 08:43 PM

Keung trained as an accountant is helping improve the wellbeing of communities most at risk of poor health with technology.

The tradie who attended a private school
Business

The tradie who attended a private school

07 Jun 01:15 AM

Is private schooling worth the financial cost?

Death and the KiwiSaver
KiwiSaver

Death and the KiwiSaver

04 Jun 05:00 PM

What happens to KiwiSaver money when you die? This question was asked by a young guy at a KiwiSaver seminar I was attending, writes Helen Twose.

Twose: Put youth to work in boardroom
Opinion

Twose: Put youth to work in boardroom

02 Jun 09:25 PM

When Hamish Walker sits at the board table, all that's going through his mind is: will it make the boat go faster?

Putting energy into savings
Energy

Putting energy into savings

29 May 05:00 PM

Helen Twose talks to three winners of this year's EECA Awards for energy efficiency.

Kiwisaver: Tangles trip up UK fund transfers
KiwiSaver

Kiwisaver: Tangles trip up UK fund transfers

28 May 05:00 PM

KiwiSaver is a long-term investment and decisions should be made with your long-term interest in mind and not on a whim.

Executive Success: Branding right at home with technology
Telecommunications

Executive Success: Branding right at home with technology

26 May 10:26 PM

It's been a world of firsts for Louise Kuegler since she joined Vodafone a couple of months back.

Flat-pack home ordered via smartphone
Personal Finance

Flat-pack home ordered via smartphone

26 May 07:00 PM

Building apprentices with technology smarts will soon be in demand.

Success starts with the customer
Employment

Success starts with the customer

26 May 05:00 PM

When British bank Atom launched last month, it did so by inviting new customers to download its app.

KiwiSaver: Savings fund fair game in divorce
KiwiSaver

KiwiSaver: Savings fund fair game in divorce

22 May 09:04 AM

As part of the relationship break-up - marriage, civil union or de facto relationships - property may also be split: the Property (Relationships) Act sets out the rules.

Open strategy the answer to building trust
Employment

Open strategy the answer to building trust

19 May 08:45 PM

When this CEO gets the occasional phone call from a shareholder they're genuinely taken aback to be speaking directly to the boss rather than his PA.

KiwiSaver: ACC earners miss out on boss top-ups
KiwiSaver

KiwiSaver: ACC earners miss out on boss top-ups

14 May 05:00 PM

It is absolutely possible to contribute to KiwiSaver while receiving ACC payments. But it's not obligatory.

Wanted: More women on building sites
Business

Wanted: More women on building sites

12 May 10:00 PM

The wolf whistle might be disappearing, but it's still a man's world on the building site.

Executive Success: Moving beyond the numbers
Business

Executive Success: Moving beyond the numbers

12 May 05:00 PM

Making sense of the dollars at brewing giant Lion was once the bottom line for Robin Davies.

How to turn your roos into homing kiwi
KiwiSaver

How to turn your roos into homing kiwi

07 May 05:00 PM

The only way to get your Australian superannuation savings transferred before retirement is to shift it to a KiwiSaver provider.

From high tech to simple words
Business

From high tech to simple words

05 May 05:00 PM

The ideas Matt Gould talks about veer into the stuff of science fiction, but they're likely to be commonplace in the next five years, he says.

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