Even if your share investments are tiny, it pays to spread them around.

There's no good evidence that funds that charge higher fees perform better.

Property has been a sellers' market, but the shoe's on the other foot now.

Our grandson believes it won't be around when he's 65 and would rather invest in shares.

Bonuses for fund managers may not deliver the hoped-for results.

This may not be the perfect time for home ownership — but it's the right time.

An unsolicited cryptocurrency offer isn't worth wasting time on.

What to make of interest rate rises?

Investing in a few funds is good, but juggling 30 of them is plain crazy.

Buy in one place, rent in another? Yes it can work out — maybe.

Rates, insurance, home maintenance ... maybe renting isn't such a bad alternative.

OPINION: Make sure kids get the right message about share investing.

What my $100 would have been worth if it had been in a savings account for the 36 years.

Huge inheritance comes with a problem: How to keep it secure?

If you shift to a new area, what happens if you don't like the place?

Soaring house values have made lots of people rich... on paper.

A foreign pension can complicate things, but it's best to come clean.

There is a way you can still keep the holiday home and continue the family memories.

When the markets plunge, sometimes the best thing you can do is nothing.

There's an easy way to check that you can meet the cost of rebuilding.

For a busy couple, it makes sense to allocate most of the chores. But not money.

Maybe you can borrow for that rental property — but are you sure you won't get dunked?

Plus, how to save up for that trip to Venice

Solid balance sheet not enough to qualify for a short-term loan.

Sometimes a homemade gift can be as welcome as a big-budget present.

OPINION: A well-intentioned parent's 42-year investment strategy doesn't pay off.

Many people deprive themselves during retirement so they can leave money to children.

Investing in a rental is about your personality, not just money.

How a fund does for a few months, or even a year, isn't the issue.

How quickly to repay $100,000 student loan is a question of ethics, not just finances.

Are you obliged to tell authorities about an inheritance if you're earning a benefit?

The faster you climb, the greater the danger.

While many shun oil and gas, Taranaki resident takes the opposite approach.

You're better off playing, than waiting too long on the sidelines.

Both involve taking a risk, but that doesn't make them the same.

Rising real estate values may not translate into retirement income.

If you can afford it, why not have a little fun instead of playing it safe.

Can a couple with a joint income of $150K afford three children and a mortgage?

Whichever your choice, good habits early will help you later on.

I'm a single woman in her 50s, am I mad to sell my house, quit my job and start fresh?

"It's very powerful to save even quite small amounts over long periods," says Mary Holm.

Risk is one thing you don't need when coming out of a relationship with money in the bank.

When the going is tough animals offer a lifeline.

A returning Kiwi looks certain to come out ahead.

Will digging up a long-forgotten term deposit be all hunt and no treasure?

Some people take saving to extremes and miss out on life's finer things.

The answer is about more than just maths.

Should employers have to contribute for staff who aren't doing it for themselves?

The scary thing is sticking with low-risk investments while your buying power dwindles.

However fees are sliced, there's nothing to stop you trying for a better deal.

Is just liking the brand and its product/service a good enough reason to invest in it?

Would agents work harder if they got more money for getting the very best price?

KiwiSaver, tax, property - our financial expert answers your questions.

Insurance may be expensive, but no insurance can have an even higher price.

While you're still young, the key is to keep your financial options open.

Take the long-term view and lie back and watch your money grow.

The new KiwiSaver default schemes weren't chosen for their past returns.

Change to default funds opens up opportunities for many members.

I'm a multi-millionaire, and have been for many years, but still buy cheap beer.

Funds offer a return on your money while helping others get into a place of their own.

Here's the place to go for advice on tough financial challenges.

Do I hold on for five years in my current job just for the money?

A home should be a place for living, not just an investment, says a reader.

If weighing up a high-return investment, first find out how they're doing it.

A renter who's also a landlord misses out both ways from latest Govt changes.

Has a winning KiwiSaver fund picked the best course — or just enjoyed a good breeze?

Rents around New Zealand are rising faster than incomes.

If a family member can help, you may be able to find an answer that works for everyone.

Is it better to buy a lifestyle block or keep on saving? Why not follow your dreams?

We're a long way from the crazy days of the Dutch tulip mania.

Want to earn a better return than the banks offer? Take the plunge into managed funds.

Yes, you can use measures like P/E ratios when choosing investments — but it may not help.

Extracts from Mary Holm's new book.

The markets could continue to climb for a while yet, but the growth never goes on forever.

Landlords have power over their tenants.

Top three columns of the year from Mary Holm.

When you can't borrow for a long time, you need to do some hard thinking.

A young couple tired of house hunting may be happier taking a breather for a while.