Herald business columnist mary Holm answers your financial questions.

Q: We are a couple in our late 50s, living in our caravan and working around the country.
We sold our home, and with the cash from that and an investment due to mature we will have around $900,000. Together we have $184,000 in KiwiSaver. Mine is in a growth fund but my husband has just changed to medium-risk.

We have no debt. We are quite happy living in our caravan, and not sure where we will live when we do retire.


Should we invest everything in shares and leave it


Money's not free

A stake overseas

KiwiSaver clarity