Your Money With Mary Holm
Investment author and columnist Mary Holm talks to Jesse Mulligan every fortnight about her top tips for how to make your money work.
Episodes
Mary Holm on house prices
Mary Holm is looking at house prices and who benefits when prices fall. Go to this episode on rnz.co.nz for more details
Is KiwiSaver leaving some of you behind?
Mary Holm talks to Jesse about KiwiSaver and the increasing calls to make changes so the scheme doesn't leave people behind. Go to this episode on rnz.co.nz for more details
Retirement Commission Conference Highlights with Mary Holm
Mary Holm has been at the Retirement Commission conference and shares her highlights.Go to this episode on rnz.co.nz for more details
Are you making the most of bank deposit insurance?
Mary Holm asks, are you making the most of bank deposit insurance?
· What is covered and what not?
· How to make the most of it
· Use a higher-risk deposit taker to get more interest?Go to this episode on rnz.co.nz for more details
Mary Holm on the KiwiSaver changes she would like to see
Mary Holm is with Jesse to talk money matters and today she's focusing on KiwiSaver: ACT’s KiwiSaver idea and the two KiwiSaver changes Mary would most like to see. Go to this episode on rnz.co.nz for more details
How laddering could work for you
Mary Holm joins Jesse for her regular segment, this time she's going to focus on laddering - the best way to invest bank term deposits. Go to this episode on rnz.co.nz for more details
Money matters in times of war
The war in Iran is causing global market uncertainty, personal finance whizz Mary Holm joins Jesse Mulligan to discuss what that might mean for you. Go to this episode on rnz.co.nz for more details
KiwiSaver changes are coming!
Changes are coming to KiwiSaver from April 1st, Mary Holm is with Mark Leishman (in for Jesse Mulligan) to discuss what they are and how you can make the most of them.Go to this episode on rnz.co.nz for more details
Making the right investments
With so many investment opportunities available, how do you know what's right for you? Personal finance whizz Mary Holm chats through some options. Go to this episode on rnz.co.nz for more details
Which Kiwisaver Fund is best for you?
Personal finance whizz Mary Holm shares what KiwiSaver funds are worth investing in.Go to this episode on rnz.co.nz for more details
Gold has hits new heights - should you buy some?
Personal finance whizz Mary Holm is back for 2026 and today she's talking about investing in gold, silver and bitcoin. Is now the time to buy?Go to this episode on rnz.co.nz for more details
What's the best course of action when mortgage rates are low?
If mortgage rates are low, should you invest extra money or pay more off your mortgage? Mary Holm investigates. Go to this episode on rnz.co.nz for more details
Mary Holm looks at mortgage payments
It's time to talk money matters with Mary Holm now and she brings us good news on mortgages! Mary and Jesse will discuss the Official Cash Rate and mortgage payments.
Go to this episode on rnz.co.nz for more details
Mary responds to your feedback
It's time to talk about your money, personal finance whizz Mary Holm joins Jesse and today she's going to address some of your feedback. Focusing on home ownership versus renting and investment strategies.Go to this episode on rnz.co.nz for more details
Debt and diversification with Mary Holm
Mary Holm joins Jesse to share her top ten money tips and tricks.
Today the focus is on debt and diversification. Go to this episode on rnz.co.nz for more details
Mary's top ten money tips - first five are here!
Mary Holm shares her top ten money tips - starting with these five. Go to this episode on rnz.co.nz for more details
Ten years of tips and tricks - what stuck with you?
It's time to talk money with Mary Holm, which is something Mary and Jesse have been doing for ten years this month. To mark that anniversary Mary asked you to send in the tips and tricks that have seen you change your financial habits.Go to this episode on rnz.co.nz for more details
Funds - High Performing or Low Fee?
Why Mary says it's best to choose low fee funds over high performing ones. Go to this episode on rnz.co.nz for more details
Tips to buying property
It's time to talk money with Mary Holm, and this episode she shares tips on buying a house or an apartment, plus answers some listener questions. Go to this episode on rnz.co.nz for more details
Are you a financial failure if you don't own your own home?
It's time to talk money matters with Mary Holm and today we're going to focus on an issue many New Zealanders are grappling with; are you a financial failure if you don't own a home? A recent survey of New Zealanders (by One Choice) shows half who don't currently own a home are not even somewhat confident home ownership will be achievable for them. But does that matter?Go to this episode on rnz.co
Why everyone should have an emergency savings fund
Mary Holm is on Afternoons with Jesse Mulligan which means it's time to talk money matters. This week Mary and Jess talk about emergency money. According to sorted.org, almost half the population doesn't have a rainy day savings fund, and according to Mary, that's an issue. She tells Jesse how much money is enough and where you should keep it.Go to this episode on rnz.co.nz for more details
Are New Zealanders getting insurance all wrong?
Mary Holm talks about insurance - and whether we are insuring the right things at the right time. Go to this episode on rnz.co.nz for more details
Find out why your KiwiSaver statement is a must read!
It's that time of the year when your KiwiSaver annual statement comes out.
Mary Holm explains why you should read it!Go to this episode on rnz.co.nz for more details
Does the Government help or hinder KiwiSaver?
Find out how respective Governments have helped or hindered KiwiSaver.
Mary explains how over the years most government changes to KiwiSaver have made it less attractive. Go to this episode on rnz.co.nz for more details
Tips and tricks to managing debt
Mary Holm joins Jesse to talk about how to manage debt.Go to this episode on rnz.co.nz for more details
Financial Quiz with Mary Holm
How well do you know your money matters? Mary Holm has a quiz to put your financial knowledge to the test.Go to this episode on rnz.co.nz for more details
Mary's Financial Knowledge Quiz
This week, a quiz to test your financial literacy. How many questions can you get right?Go to this episode on rnz.co.nz for more details
How will KiwiSaver changes in the Budget affect you?
The 2025 Budget has just been released, Mary Holm gives her first impressions focusing on the changes to KiwiSaver. Go to this episode on rnz.co.nz for more details
Budget 2025 changes to Kiwsaver
Mary Holm talks to Jesse about the Government's changes to KiwiSaver in today's Budget.Go to this episode on rnz.co.nz for more details
Will Government change its KiwiSaver contributions? If so, how should it do it?
Let's talk about Your Money and that means Mary Holm is in the studio.
So will the Government change its KiwiSaver contributions - and if so, how should it do it?Go to this episode on rnz.co.nz for more details
Potential changes to KiwiSaver and what it means for you
A listener asks: will the Government change its KiwiSaver contributions - and if so, how should it do it?
Finance Minister Nicola Willis is not ruling out changes to the Kiwisaver subsidy. Should the Government even do this? And if they do, what does it mean for you and I?Go to this episode on rnz.co.nz for more details
The wisdom of our listeners!
Today Mary accesses the wisdom of the crowd! Recently she asked Afternoons listeners to write in with the best financial decision they ever made. We got so many responses that Mary has decided to sift through them and see what important and useful information she can find and what it tells us bout managing money. Go to this episode on rnz.co.nz for more details
Turbulent Markets and how to navigate them
Mary Holm discusses the recent global market downturn and uncertainty caused by economic policy decisions.
Mary also looks at a new Mindful Money and RIAA (Responsible Investment Association Australasia) survey about how New Zealanders view ethical inbvestment.
Go to this episode on rnz.co.nz for more details
Getting wise with your mortgage
In this episode Mary looks at ways to get wise with your mortgage including repayment advice and explainers on all the different types of mortgages.Go to this episode on rnz.co.nz for more details
Keep contributing to KiwiSaver through thick and thin.
Today Mary looks at KiwiSaver and answer a listener's question about the current economic climate and how one should manage their KiwiSaver.Go to this episode on rnz.co.nz for more details
The 3 most important things to do with your Kiwiwsaver
Very quickly, here's Mary's top three tips:
1. Join. And keep contributing.
2. Use a higher-risk fund – usually.
3. Choose a low-fee fund.Go to this episode on rnz.co.nz for more details
A bit of bitcoin?
Money expert Mary Holm discusses the recent developments in bitcoin.Go to this episode on rnz.co.nz for more details
The Kiwisaver fund you should have invested in two years ago
Money expert Mary Holm looks at the benefits of going offshore with your KiwiSaver share investments versus keeping them solely in NZ based shares.Go to this episode on rnz.co.nz for more details
Are we celebrating Christmas the best way?
This week Mary asks: are we celebrating Christmas the best way? Mary has tips on how not to break the bank this Christmas. She also has a list of some charities you could consider giving to these holidays…Go to this episode on rnz.co.nz for more details
What happens to your KiwiSaver if your relationship ends?
3 out of 4 people breaking up don't realise the law says you must take your Kiwisaver into account in a relationship property split.
Mary discusses what this means for your Kiwisaver in you suffer a breakup. Go to this episode on rnz.co.nz for more details
How men invest
Mary has talked about women investing on International Women's Day, but how about the blokes? Men are open to taking risks in investing, more than women, but can be overconfident and less likely to seek advice. Well guys, we recommend listening to Mary and her advice on this occasion.Go to this episode on rnz.co.nz for more details
The big new changes in KiwiSaver
The FMA recently published its annual KiwiSaver report for the year and there were some big changes recorded. Some of those changes were very good.
Mary breaks it all down and explains what it means for your money.Go to this episode on rnz.co.nz for more details
Banking in tough times – how are we doing?
News from the New Zealand Banking Association suggest less bank customers applied for hardship status. Mary picks through the data to see what that suggests about the current economy. She also explains why banks are rolling out Confirmation of Payee next month, what it is and what it means. Go to this episode on rnz.co.nz for more details
High-risk KiwiSaver funds - the hows and whys
Mary explains why high-risk KiwiSaver funds are at least worth considering as a good investment. Go to this episode on rnz.co.nz for more details
How is your financial wellbeing?
Te Ara Ahunga Ora Retirement Commission has created a quiz for organisations working on improving financial capability. This doesn't test financial knowledge, but how well you are coping with your money. Feel free to give the quiz a try at home! tinyurl.com/MoneyNZGo to this episode on rnz.co.nz for more details
Sky high rates
Have your rates gone sky high? The Mistress of Money Mary Holm says it might be time for a rates postponement.Go to this episode on rnz.co.nz for more details
Interest Rate Cuts
The magical Mary talks about the current wave of interest rate cuts and how you can use them to make big progress with your mortgage.Go to this episode on rnz.co.nz for more details
Index Funds and ETFs
This week Mary explains index funds and ETFs; what are they and why you look at them for somewhere to invest.Go to this episode on rnz.co.nz for more details
What to do with your tax cut
With tax cuts looming Mary has some words of advice for what to do with that extra take-home money.Go to this episode on rnz.co.nz for more details
Tax Bracket Creep
Today Mary talks to Jesse about how the tax bracket creep 'robs' us. She explains the government's new tax cuts take effect from July 31 are a start to ending the bracket creep.Go to this episode on rnz.co.nz for more details
Checking KiwiSaver Annual Statements
Today Mary Holm talks to Mark about all things KiwiSaver and why it's important to look at your annual KiwiSaver statements.Go to this episode on rnz.co.nz for more details
The Loss of the KiwiSaver First Home Buyer Grant
Today Mary talks about first home buying following the loss of the Kiwisaver first home buyer grant. She has some tips about using Kiwisaver to buy a home and other options for those looking to purchase their first property.Go to this episode on rnz.co.nz for more details
Retirement Commission Conference
This week Mary talks about a recent conference run by the Retirement Commission - Te Ara Ahunga Ora. It was all about planning next steps in their National Strategy for Financial Capability. Mary talks to Jesse about what that means for us.This week Mary talks about a recent conference run by the Retirement Commission - Te Ara Ahunga Ora. It was all about planning next steps in their National Stra
The cost of not giving to KiwiSaver
Today Mary talks to Jesse about the reality for a number of people balancing their finances and suspending their payments. Today Mary talks to Jesse about the reality for a number of people balancing their finances and suspending their payments.She talks about the benefits of suspending rather than cancelling contributions to Kiwisaver in the long term and the options available for people needing
How KiwiSaver can help kids
Today Mary Holm talks to Jesse about some important points of Kiwisaver for children and the difference it can make for them later on in life whether it's buying a home or their retirement plans.
Go to this episode on rnz.co.nz for more details
Number quick tricks
Today Mary talks to Jesse about some quick tricks with numbers to help with Kiwisaver and almost any investing. She runs through what the "Rule of 72 and dollar cost averaging" is and how it can help to make investment choices.
Go to this episode on rnz.co.nz for more details
KiwiSaver's great year
Today Mary Holm talks to Jesse about the great year Kiwisaver funds have just had.Today Mary Holm talks to Jesse about the great year Kiwisaver has just had. She talks about how there's a lot of talk when the funds are not doing well, but it's pretty quiet when the Kiwisaver investments are on the up.Go to this episode on rnz.co.nz for more details
Women and Money
Today Mary's focusing on women and money ahead of International Women's Day tomorrow. She has facts and figures on women's finances and found that women invest well in some ways but could do better.Today Mary's focusing on women and money ahead of International Women's Day tomorrow.She has facts and figures on women's finances and found that women invest well in some ways but could
Financial Knowledge
Today Mary talks to Mark about people's financial knowledge and some of the reasons people are choosing not to be part of the KiwiSaver scheme.
Go to this episode on rnz.co.nz for more details
The Mindful Money Charity
KiwiSaver funds are moving away from investing in harmful products, the charity Mindful Money revealed last week. Their website is a good place to check out the kind of investments your own KiwiSaver provider is involved in, says personal finance expert Mary Holm.KiwiSaver funds are moving away from investing in harmful products, the ethical investment charity Mindful Money revealed last week.Thei
Bank term deposits
Today Mary talks to Jesse about bank term deposits, the rates and the risks.
Go to this episode on rnz.co.nz for more details
The big financial issues of 2023
Today Mary Holm wraps up the big financial issues that have been around in 2023.
Go to this episode on rnz.co.nz for more details
Repaying your debt
Today Mary talks to Jesse about repaying debt and why wealth is a bit like a tank full of water. She's also urging people to avoid running up high-interest debt over the Christmas season.
Go to this episode on rnz.co.nz for more details
Which are the best and worst KiwiSaver providers?
Today Mary talks to Jesse about which Kiwisaver providers are the best - and worst - at offering various services to their members. She also looks at some of the services that listeners might not be aware you can get from some providers, and naming them.
Go to this episode on rnz.co.nz for more details
Investing in shares in Aoteroa and overseas
Today Mary has a close look at investing in shares both in Aotearoa and overseas. She's collated some interesting numbers about how the different stocks have fared over the past five decades.Today Mary has a close look at investing in shares both in Aotearoa and overseas. She's collated some interesting numbers about how the different stocks have fared over the past five decades.Go to this ep
Getting smarter on KiwiSaver choices
This week Mary talks to Jesse about getting smarter with KiwiSaver choices and overall trends for funds.This week Mary talk to Jesse about getting smarter with Kiwisaver choices and overall trends for funds.Go to this episode on rnz.co.nz for more details
Pros and cons of casual and regular investing
This week Mary Holm is back to talk about the pros and cons of being either a regular or casual investor.
Go to this episode on rnz.co.nz for more details
Ways to boost your savings
This week Mary Holm is back to talk about ways to boost your savings. It's insights she included in her book Rich Enough. She recommends setting goals that are SMART: specific, measurable, achievable (w)ritten and time-bound. She also talks about having small rewards when you reach milestones.This week Mary Holm is back to talk about ways to boost your savings. It's insights she included in h
How much insurance should you have?
Today Mary talks to Jesse about how much insurance we should have, especially with premiums on the rise at the same time there appears to be more climate related damaged being caused.
Go to this episode on rnz.co.nz for more details
Are house prices still to high?
Today Mary talks to Jesse about whether house prices are still too high and that buyers may have to adjust their expectations.
Go to this episode on rnz.co.nz for more details
Paying your rates
Today Mary Holm looks at options for people who are struggling to pay the never ending increasing rates bills. She explains there are rebates for people on low incomes and the option to postpone payments until after you die.Today Mary Holm looks at options for people who are struggling to pay the never ending increasing rates bills. She explains there are rebates for people on low incomes and the
KiwiSaver or term deposits
Today Mary talks to Jesse about a question sent in by a listener who is over 65 on what to do with money they don't need to access right now. Mary talks about the options of Kiwisaver or term deposits and the pros and cons of both.
Go to this episode on rnz.co.nz for more details
Your options with mortgage repayments
Today Mary talks about options with mortgage repayments and options when you need to renew at a higher interest rate.
Go to this episode on rnz.co.nz for more details
Important information in your annual KiwiSaver statement
Today Mary talks to Jesse about important information in your annual KiwiSaver statement and how to improve it next time.Today Mary talks to Jesse about important information in your annual KiwiSaver statement and how to improve it next time.Go to this episode on rnz.co.nz for more details
It's ok to be a long-term renter
Today Mary talks to Jesse about how it's OK to give up on ever owning a home and how it can work to be a long-term renter.
Go to this episode on rnz.co.nz for more details
Children and KiwiSaver
Today Mary talks to Jesse about children and Kiwisaver a way to get them started early and potentially set up with a 33 thousand dollar home deposit by the time they turn 18.
Go to this episode on rnz.co.nz for more details
KiwiSaver help for new parents
Today Mary talks to Jesse about the Kiwisaver positive results for the first quarter of 2023. There's also new Kiwisaver help for new parents.
Go to this episode on rnz.co.nz for more details
'Laddering' your term deposits and mortgages
This week Mary Holm talks to Jesse about 'laddering' a clever way with term deposits and even mortgages. She explains exactly what it is and how it can give longer term returns on deposits; frequent access to some of your money; some protection from back luck and timing.Mary Holm talks to Jesse about 'laddering' - a clever way with term deposits and even mortgages.She explains exactly wh
The importance of 'emergency money'
Today Mary talks about the importance of 'emergency money'. A recent Financial Services Council survey found that 39% of New Zealanders don't have access to $5000 within a week without borrowing. She has some tips on how to have an emergency fund on hand and how easy it can be.
Go to this episode on rnz.co.nz for more details
How to complain about a financial service in NZ
Today Mary Holm speaks to Charlotte Ryan about how to complain about any financial service in NZ. Research from the FMA shows that only a third of New Zealanders would know what to do if they were treated unfairly by a financial services provider.Today Mary Holm speaks to Charlotte Ryan about how to complain about any financial service in NZ.Research from the FMA shows that only a third of New Zea
