Latest fromMary Holm on investing
![Weighing up best place to grow nest egg](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Weighing up best place to grow nest egg
I have $400,000 to invest. Should I invest in a rental property or invest somewhere else?
![Save for retirement or tackle mortgage?](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Save for retirement or tackle mortgage?
It's important to weigh up whether KiwiSaver is a priority or paying off mortgage sooner.
![Does investing have to be a battle of the sexes?](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Does investing have to be a battle of the sexes?
Research shows women tend to buy and hold investments, while men are more likely to trade.
![I'm 29 and single with a baby: So what can I do with my $95,000?](/pf/resources/images/placeholders/placeholder_l.png?d=808)
I'm 29 and single with a baby: So what can I do with my $95,000?
Mary Holm: How laddering your money can help your savings to climb.
![Holm: Complexities of tax on share gains](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Holm: Complexities of tax on share gains
COMMENT: Finding clear rules about obligations on trading profits proves hard.
![Holm: Enlist IR to give the boss a nudge](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Holm: Enlist IR to give the boss a nudge
COMMENT: If KiwiSaver is underpaid, Inland Revenue Department will follow it up.
![Your call: Risky ride, or no ride at all](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Your call: Risky ride, or no ride at all
Investing is like riding in a car. Don't want any risk? Don't get into the vehicle.
![Sailing ahead with term deposits](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Sailing ahead with term deposits
COMMENT: Rates aren't as bad as they seem, once you take account of low inflation.
!['Real' or not, fund returns add up](/pf/resources/images/placeholders/placeholder_l.png?d=808)
'Real' or not, fund returns add up
COMMENT: There's more than one way to calculate your KiwiSaver gains.
![Picking through the fund fruit salad](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Picking through the fund fruit salad
Don't fall into the old apples v oranges trap when checking your fund's returns.
![60-plus, swindled and flat broke](/pf/resources/images/placeholders/placeholder_l.png?d=808)
60-plus, swindled and flat broke
Finding yourself with nothing close to retirement age can be daunting
![Home - where the heart is?](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Home - where the heart is?
COMMENT: For some, a home is just a building. For others. it's a place to cherish.
![$210 a week, but there's a way out](/pf/resources/images/placeholders/placeholder_l.png?d=808)
$210 a week, but there's a way out
COMMENT: Long-time saver looks for a way to escape the benefit trap, writes Mary Holm.
![Untouched credit can be travel aid](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Untouched credit can be travel aid
Funds handy for urgent medical care but urge to shop is a hazard.
![Mary Holm: Choose the right fund, minus the agony](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Mary Holm: Choose the right fund, minus the agony
Nobody knows which investment will turn out best, so it's not worth too much worry, writes Mary Holm.
![Mary Holm: When money is needed right this minute](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Mary Holm: When money is needed right this minute
Mary Holm answers readers personal finance queries.
![Holm: Where to put emergency money](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Holm: Where to put emergency money
COMMENT: Laddering means you'll always have some cash available.
![Views on diversifying rather ... diverse](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Views on diversifying rather ... diverse
COMMENT: Everyone has a different take but spreading risk seems wise.
![Fairytale endings never a sure thing](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Fairytale endings never a sure thing
COMMENT: There are many reasons why top investors don't remain in front.
![The mortgage or the KiwiSaver?](/pf/resources/images/placeholders/placeholder_l.png?d=808)
The mortgage or the KiwiSaver?
COMMENT: When debt is low, paying down the mortgage might not be best bet.
![Mary Holm: How to spread your savings](/pf/resources/images/placeholders/placeholder_l.png?d=808)
Mary Holm: How to spread your savings
COMMENT: Changes to KiwiSaver conditions are at the whim of future governments.