If you are under 65 - regardless of your circumstances - you should join the new KiwiSaver savings scheme, even if you have to borrow to do so. You'll get a kick-start of $1000 plus up to $1040 more each year. If you're an employee, your boss will also contribute. And if you don't own your home, there's a generous subsidy towards buying one. True, your money will be tied up until NZ Super age in most cases. But there are ways to reduce that impact. That - and much more - is what this little book is about. The government gives you the KiwiSaver rules; Mary Holm tells you what they mean for you, and how you can make the most of them. There are so many questions: How should you invest? How much? Should you join if you have high-interest debt? Can your children join? What if you are self-employed? A beneficiary? Planning to leave the country? Who better to negotiate you through all the pros and cons than Qantas Award winning financial writer Mary Holm, whose newspaper columns are avidly read and whose seminars are attended by thousands of New Zealanders every year? She's not selling anything but the truth.
The book includes an extensive index, making it easy for you to find what matters to you. The material in this book was first published in three special sections in the New Zealand Herald in early June, 2007. Readers responded enthusiastically. For example, one reader wrote: "These articles were extremely informative and enlightening. The information was great and easy to understand."
Mary Holm is the author of several books, well-read finance columns in the New Zealand Herald and other leading papers, and regularly delivers seminars to keen audiences eager for her high quality independent advice.