GoodReturns
Archive - 2025
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December 2025
31 Dec 2025 NZWXT gets news CEO and expands Craigs relationship
30 Dec 2025 Holiday blues make for quiet end to NZX year
29 Dec 2025 NZ sharemarket flat in post-Christmas trading
29 Dec 2025 Wealthpoint eyes independent FAPs for 2026
29 Dec 2025 AIA’s Angela Busby to retire
24 Dec 2025 NZ sharemarket edges higher in quiet pre-Christmas trading session
24 Dec 2025 Reflecting back on 2025
23 Dec 2025 NZ sharemarket ends up again, end of year in sight
23 Dec 2025 Record levels of first home buyers taking out low deposit loans
22 Dec 2025 NZ sharemarket starts Xmas week up 1.31%
19 Dec 2025 NZ sharemarket rallies on index changes, confidence survey
18 Dec 2025 NZ sharemarket drops on more AI worries on Wall Street
18 Dec 2025 Another blow to advisers over trail commissions
18 Dec 2025 Another blow to advisers over trail commissions
18 Dec 2025 Advisers’ vigilance against cyber criminals critical over summer break
18 Dec 2025 MDRT Academy tightens criteria after first NZ year
17 Dec 2025 Aussie deal boosts Freightways but NZ sharemarket down
17 Dec 2025 AI player claims 60% of advice market; Time to be cyber vigilant
17 Dec 2025 OMNIMax appoints a new development manager; Jason Butler Departs
17 Dec 2025 RBNZ: new rules will mean lower interest rates for borrowers
17 Dec 2025 Afterburner AI does deals to cover 60% of mortgage advice industry
16 Dec 2025 NZ sharemarket steady after fiscal update
15 Dec 2025 Trisha Edmonds pops up
15 Dec 2025 Squirrel invests in taking The Squirrel Effect to Kiwis
15 Dec 2025 NZ sharemarket flat, up 0.01%
15 Dec 2025 Robust recovery tipped by Kiwibank
15 Dec 2025 ANZ too hikes rates; Kiwibank says the RBNZ stuffed up its communications last week
15 Dec 2025 Investing for Impact: Growing wealth while creating meaningful change
15 Dec 2025 Removing FBT on insurance would cut premiums, FSC says
13 Dec 2025 Two stories that caught our eye this week
12 Dec 2025 NZ stocks eke out gain as investors tread water
12 Dec 2025 Opes censured by FMA for poor practices
11 Dec 2025 Retirement stocks benefit on quiet day for NZ sharemarket
11 Dec 2025 Using AI to provide advice may be breaking the law; First impressions of new RBNZ guv; Westpac asking questions
11 Dec 2025 AI financial advice maybe breaching the law
11 Dec 2025 Booster's innovation fund grows its pipeline of opportunities
10 Dec 2025 Gentrack sell-off drives NZ sharemarket down
10 Dec 2025 New RBNZ gov Anna Breman: so far, so good
10 Dec 2025 Westpac asks RBNZ to comment on conditions
10 Dec 2025 All Generate's funds get the ethical tick
10 Dec 2025 And just like that rates start rising; Westpac hikes interest rates
09 Dec 2025 NZ sharemarket down 0.2%
09 Dec 2025 Generate lowers fees
09 Dec 2025 Life expectancy should be bigger news than it is
08 Dec 2025 NZX sharemarket flat, up 0.02%
08 Dec 2025 Chapter of economic bad news closing - ASB
08 Dec 2025 The Technology Everyone Got Right (but it didn’t necessarily make them rich)
05 Dec 2025 FMA chair Stobo under investigation
05 Dec 2025 Fisher and Paykel Healthcare drives NZ stocks to weaker finish
05 Dec 2025 Clarity for Clarity Funds
05 Dec 2025 Mortgage pain could return before Christmas
05 Dec 2025 Golden moment as new funds go live
04 Dec 2025 Ebos Group sell-off pushes down NZ sharemarket
04 Dec 2025 Good house buying conditions, but little activity; What's going on?
04 Dec 2025 Buyers sitting on the sidelines in best time to buy in a decade
04 Dec 2025 FundRock searches for a new leader
04 Dec 2025 Castlepoint funds take unexpected hit
04 Dec 2025 Yeo steps back from BIML board
03 Dec 2025 NZ sharemarket lifts late as dairy stocks gain
03 Dec 2025 AIA launches cheaper trauma product aimed at cost-pressed customers
03 Dec 2025 Should you care about Aged Care?
03 Dec 2025 Another FAP licence taken away
02 Dec 2025 NZ sharemarket up despite crypto concerns
02 Dec 2025 Differing views on 50-year mortgage
02 Dec 2025 Big fall in mortgages rolling over onto lower rates still to come
02 Dec 2025 Loan Market on a roll; Lots more rollovers to come
01 Dec 2025 Partners Life named top life insurer
01 Dec 2025 NZ sharemarket starts December down 0.3%
01 Dec 2025 Loan Market's 2025 Professional Development Day Highlights Standout Year and Bold Growth Vision
01 Dec 2025 Questions are being asked about bank cashbacks
01 Dec 2025 Will banks be able to process applications qualifying for cash backs in time?
November 2025
28 Nov 2025 NZ stocks end firmly as outlook brightens
27 Nov 2025 [Steve Wright] Why advisers must read policy wordings - Part One
27 Nov 2025 Ryman and Tower lift but gentailers pull NZ sharemarket lower
27 Nov 2025 Another FAP licence taken away
27 Nov 2025 Mindful Money sends SOS to fund managers to save the oceans
26 Nov 2025 Fisher & Paykel Healthcare drives sharemarket up
26 Nov 2025 OCR Wrap; Who has cut the most?
26 Nov 2025 RBNZ has probably done cutting with OCR now at 2.25%
26 Nov 2025 BREAKING NEWS: OCR cut
26 Nov 2025 OCR Cut: What the RBNZ said
26 Nov 2025 OCR looming; FANZ supports KiwiSaver changes; Latest housing market update
26 Nov 2025 Houses selling at a loss hit a 12 year high
26 Nov 2025 Fin Advice NZ backs retirement report
25 Nov 2025 NZ sharemarket finishes flat, down 0.1%
24 Nov 2025 NZ sharemarket starts week up 0.6%
24 Nov 2025 Huge surge in borrowers chasing big cash back offers
21 Nov 2025 Nvidia slump drags Wall Street and NZ sharemarket lower
21 Nov 2025 OCR Preview: How far is far enough for the RBNZ?
21 Nov 2025 OCR Preview: How far is far enough for the RBNZ?
21 Nov 2025 Rising costs require fresh thinking, AIA NZ CEO says
20 Nov 2025 Nvidia earnings boost global markets as NZ sharemarket closes up
20 Nov 2025 Flat market won’t generate much capital gains tax
19 Nov 2025 NZ sharemarket dips as big stocks weigh despite KMD gains
19 Nov 2025 Asteron Life gets ratings boost
19 Nov 2025 Westpac likely to book surprise wind-fall by ending trail commissions
19 Nov 2025 Mixed reviews from advisers on FMA regulation
19 Nov 2025 Westpac likely to book one-off profit by axing trail commissions
19 Nov 2025 Banks’ profit on everyday accounts to come under scrutiny
18 Nov 2025 NZ sharemarket falls over 1%
Latest News
Advice adds at least 5% a year, but clients can’t see most of it
Advice adds at least 5% a year, but clients can’t see most of it
4 min read
Adviser use of ETFs likely to continue to grow, Smart says
Adviser use of ETFs likely to continue to grow, Smart says
2 min read
FMA outlines its latest expectations for advisers
FMA outlines its latest expectations for advisers
6 min read
[Weekly Wrap] KiwiSaver in play; but outcome unclear
[Weekly Wrap] KiwiSaver in play; but outcome unclear
2 min read
Latest Comments
FMA outlines its latest expectations for advisers
Paul Flood: The danger is that the 'goalposts' (regarding what is acceptable or unacceptable adviser conduct) may be susceptible to change. Our 'Principles based' legal/regulatory environment lends itself to “prevalence-induced concept change” over time, perhaps not so much in the written laws and Code, as in the interpretation of the prescribed principles.
2 days ago Steve Wright
FMA outlines its latest expectations for advisers
Just a tip, if you use more than six, six letter words in a sentence you lose most Kiwi's. So avoid client/adviser confusion when writing your post or article if you would like it read and understood. Ironically, my last sentence was not likely read.
2 days ago Backstage
FMA outlines its latest expectations for advisers
All things said are great aspirational goals for a great financial advice industry, it mirrors what both the legislation and the code requires. However, like most things discussed it talks about what's expected not how it's done. The hardest aspect of financial advice today isn't what it is, it is how it is done. The how only comes from those that have done it, the how is only provided with examples. Guidance documents that spell out what's required along side how it it done. We’re still dealing with the same issues we started with in 2021, figuring out the how. And figuring out the how in every advice business is consuming resources that could easily be shortcut by the FMA demonstrating what they are expecting. It's not about “do it this way” its about this is the sorts of things we’re looking for. In the absence of standards and expectations, guesswork prevails. That represents significant risk to FAPs and the result is onerous overcooked advice processes for multiple advice operations and undercooked she’ll be right for single operators focused on getting the work done. Both approaches have potential for harm and as its been said earlier, leaves advisers open to explain they haven't been speeding with the authorities have pulled them over. The advice industry needs guidance on the how we know the what already.
4 days ago Jon-Paul Hale
Who is responsible for notifying policy changes?
Sticking an oar in, while we have “service” requirements the expectation that an adviser is responsible for discussing said change is relying heavily on assumption. 1. That the client hasn't moved and contact details haven't been updated. It happens more often than many think. 2. It assumes there is a servicing agreement in place to provide service. Remember the requirement is to scope service not provide it. A client deciding to have ad-hoc service on their request is a legally valid position to have. 3. If there is a service agreement that's realistic to what is expected, how long does the adviser push the issue to have the discussion before moving on with everything else they have to do? Again, a point that is not clear in the guidance to date. The challenge of the present rules is the adviser is responsible for ensuring the client understands the advice provided. How do you ensure you're covering this if a client doesn't engage despite genuine attempts to manage it? There's still a lot of “what if’s” in this whole are we’re only going to have clarity on once someone is taken to task about it. But first we need to have clarity on what ongoing service actually is, because right now demonstrated by the direct providers a letter once per year with a please call if you want to discuss is the current minimum…
4 days ago Jon-Paul Hale
FMA outlines its latest expectations for advisers
To correct errors in my previous post: "policies, templates, and controls" should read "policies, processes, systems and controls", and "is more conductive" should read "is more conducive".
4 days ago Paul Flood