Mary Holm: KiwiSaver loophole leaves high earners with no incentive to stay

OPINION: About 25% of employers count KiwiSaver in total pay, cutting its benefit.

Mary Holm: Should we sell our house and rent in retirement?

OPINION: There are more long-term lease options available now.

Mary Holm: Renting out your bach? Beware the tax trap that could cost you dearly

OPINION: It sounds like a conversation with an accountant is needed before doing this.

Mary Holm: How to open a bank account without a fixed address

OPINION: The Reserve Bank says banks must offer options for people without an address.

Mary Holm: $3000 surprise – How to get back what you are owed

OPINION: Victims must keep bank and contact details current to receive repayments.

Mary Holm: My father wants to buy a rental property at 69. Should he?

OPINION: Getting a mortgage at that age could be difficult.

Mary Holm: Where to put your retirement money for growth without too much risk

OPINION: Low-fee index funds often outperform high-fee rivals over time.

Mary Holm: Who is covered in the new depositor compensation scheme

OPINION: There hasn't been much coverage of the new scheme, which took effect on July 1.

Mary Holm: Including KiwiSaver contributions in total pay is bad form

OPINION: It's not against the law but goes against the 'spirit' of the scheme.

Mary Holm: How offset mortgages can help families save big

OPINION: People can reduce interest by subtracting savings from mortgage balances.

Mary Holm: How to create inter-generational family wealth

OPINION: Even small amounts could help set up children or grandchildren for the future.

Mary Holm: The pros and cons of owning rental property in retirement

OPINION: Rental property ties up money you could spend gradually through retirement.

Mary Holm: How cancer can impact your KiwiSaver choices

OPINION: That's tough but good on you for thinking about it.

Mary Holm: When parents should step back from kids' bank accounts

OPINION: There's a difference between young children's accounts and over 18-year-olds.

Mary Holm: Owning rental property is not all about the capital gains

OPINION: Your Dad has come up with the perfect way to invest in a rental.

Mary Holm: Is there a way to pass on an inheritance without affecting benefits?

OPINION: Some people will be angry that your family wants to have it both ways.

Mary Holm: The ways to make your cash last in retirement

OPINION: Renting can be a better option than owning your own home.

Mary Holm: Do landlord losses mean rents need to rise?

OPINION: Expenses are higher than rent for some but many are doing it for capital gain.

Mary Holm: Embracing non-financial investments for a happier retirement

OPINION: Developing hobbies and exercising are part of a fulfilling retirement.

Mary Holm: Should I pay off my student loan or invest in an index fund?

OPINION: You need to consider interest, taxes and fees.

Mary Holm: We came to NZ with nothing and managed to buy a house

OPINION: But it's not so easy for those with physical or mental health issues.

Mary Holm: The biggest winners and losers from the Government's KiwiSaver changes

OPINION: Young people are the only clear winners in the Budget announcements.

Mary Holm: Are bond investments a scam?

OPINION: Many KiwiSaver funds include high-quality bonds, except for the most risky ones.

Mary Holm: Gold's risks outweigh rewards for cautious savers

OPINION: Gold offers no dividends, unlike shares, which provide returns even in downturns.

Mary Holm: Is there a pot of gold waiting for those who invest in non-bank deposits?

OPINION: There are a number of factors to be aware of once a new scheme comes into force.

Mary Holm: Trying to time the share or property market is a fool’s game

OPINION: You never know when bad luck might strike.

Mary Holm: Home ownership vs shares - the great Kiwi debate

OPINION: Balancing home ownership with investment strategies.

Mary Holm: How do we make sure a home deposit gift is fair for both our sons

OPINION: You will need to explain to both sons why the amounts differ.

Mary Holm: How to weather sharemarket turbulence

OPINION: Knowing when to invest again is impossible so it's better to stay put.

Mary Holm: I’m spending half my pay on my mortgage and I’m struggling to save

OPINION: It sounds to me as if you're being too tough on yourself.

Mary Holm: I’ve inherited $450,000 - should I invest in gold?

OPINION: The gold price has risen a lot in recent years but it can also fall fast.

Mary Holm: We borrowed to invest in shares and now we’ve lost money

OPINION: Fire your adviser and lay a complaint!