GoodReturns
Archive - 2004
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August 2004
25 Aug 2004 Strategy needed for housing older people
25 Aug 2004 ING chasing more properties
25 Aug 2004 More mergers likely
25 Aug 2004 Building problems 'ignored', says engineer
25 Aug 2004 Housing boom boost spending
25 Aug 2004 King holds firmly on to Dorchester Pacific crown
24 Aug 2004 Superannuation under threat again: Act backs Brash
24 Aug 2004 MOZY IPO roadshow
24 Aug 2004 Asteron roadshow
24 Aug 2004 Sir Tipene O’Regan to join Hanover Group board
24 Aug 2004 National puts back decision on NZ Super fund
24 Aug 2004 National puts back decision on NZ Super fund
24 Aug 2004 Mike Pero makes surprise dividend payment
23 Aug 2004 Asteron roadshow
23 Aug 2004 BankDirect appoints new head
23 Aug 2004 Corporatising your business model
23 Aug 2004 Brokers face changes to commission structures
23 Aug 2004 Balance of power swings from landlord to tenant
23 Aug 2004 How to save $2000 a year (and enjoy it)
23 Aug 2004 Council looks at building loophole
23 Aug 2004 12 areas record economic growth
23 Aug 2004 No tears at demise of high-risk mortgages
23 Aug 2004 Brokers face changes to commission structures
23 Aug 2004 Burglars benefit from virtual tour
23 Aug 2004 News Round Up
21 Aug 2004 Deathtrap call strikes chord
21 Aug 2004 House price boom slowing, latest figures suggest
21 Aug 2004 Property problems: Consent needed for cross-lease alterations
21 Aug 2004 Quarterly House Price Growth Slows
21 Aug 2004 QV says house prices up 1.9% in quarter
21 Aug 2004 Housing market remains positive
21 Aug 2004 Tide turns for tenants
21 Aug 2004 House prices rise less than 2pc
21 Aug 2004 Collecting for fun and profit
21 Aug 2004 Surge in values pushes up commerical property returns
21 Aug 2004 Housing market brakes go on
21 Aug 2004 Beware of too much sharing - Mary Holm
21 Aug 2004 Sweet blocks for big buyers
21 Aug 2004 Complex held up a year
21 Aug 2004 Racing club punt on property
21 Aug 2004 Beware of good news avalanches
21 Aug 2004 Welfare blanket suffocates savings habit
21 Aug 2004 NZX splashes on extra exchange-traded funds
21 Aug 2004 Capital Props in govt camp
21 Aug 2004 Massive Hamilton Retail Development Gets Underway
20 Aug 2004 Asteron drums in changes for life industry
19 Aug 2004 Asteron roadshow
19 Aug 2004 NZ Superannuation Fund performance on target
19 Aug 2004 ING appoints new CIO
19 Aug 2004 New regime proposed for insurance products
19 Aug 2004 ING appoints new CIO
19 Aug 2004 QV says house prices up 1.9% in quarter
19 Aug 2004 Urquhart-Hay appointed COO
18 Aug 2004 Asteron roadshow
18 Aug 2004 Asteron roadshow
18 Aug 2004 ISI welcomes new workplace savings idea
18 Aug 2004 Housing market remains positive
18 Aug 2004 Eriksen appointed to review super fund
18 Aug 2004 ISI welcomes new workplace savings idea
18 Aug 2004 House prices rise, but sales volume down
18 Aug 2004 Monaco developer forced out by levy
18 Aug 2004 Shortages in wake of boom
18 Aug 2004 Hotel chain appeals against Franz township proposal
18 Aug 2004 Council unlikely to purchase land
17 Aug 2004 Asteron roadshow
17 Aug 2004 AXA's new ceo
17 Aug 2004 Bridgecorp to bid for Dorchester?
17 Aug 2004 Australian/NZ Property Shares Top Sector
17 Aug 2004 Top views make fire base hot property
17 Aug 2004 Leaseholders go to hearing
17 Aug 2004 Fewer foreign students enrol
16 Aug 2004 Asteron roadshow
16 Aug 2004 Ralph Stewart AXA's new ceo
16 Aug 2004 Adviserlink Fundamentals & Processes
16 Aug 2004 Asteron roadshow
16 Aug 2004 Don't blame foreigners for booming coastal property prices
16 Aug 2004 Warnings of 'financial, emotional minefield'
16 Aug 2004 Squeeze on Bay housing market
16 Aug 2004 Too much cover or not enough?
16 Aug 2004 Property problems: Arbitration and mediation could resolve dispute
16 Aug 2004 Interest rates look set to climb further as retail sales boom
16 Aug 2004 Mount Maunganui property sells for $6m
16 Aug 2004 BNZ says survey nothing to do with Superbank
16 Aug 2004 Strangers to negotiation - Mary Holm
16 Aug 2004 How to claw back returns
16 Aug 2004 Demand puts cheaper credit on the cards
16 Aug 2004 TTP set to sell Auckland complex to St Laurence
16 Aug 2004 News Round Up
16 Aug 2004 Don't call us embattled says Trans Tasman Properties chair
16 Aug 2004 News Round Up
15 Aug 2004 BNZ says survey nothing to do with Superbank
13 Aug 2004 Elections and share markets
13 Aug 2004 Fund managers in property deals
13 Aug 2004 BNZ looks to copy SuperBank
12 Aug 2004 Why Is Akld Property Still Booming?
12 Aug 2004 BNZ looks to copy SuperBank
12 Aug 2004 Auckland Property – Volume Down But Prices Hold
12 Aug 2004 Thousands more in paid work
12 Aug 2004 Fund managers in property deals
12 Aug 2004 Building boom drives unemployment to 17-year low
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