GoodReturns
Archive - 2005
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June 2005
14 Jun 2005 Rising from the dead
14 Jun 2005 Who should be called financial intermediaries?
14 Jun 2005 More long-term home loan rates fall
13 Jun 2005 Rotorua Property Investors Association Public Meeting
13 Jun 2005 Housing: Lessons from history
13 Jun 2005 House prices just keep rising
13 Jun 2005 Westpac man joins TOWER
13 Jun 2005 House prices keep rising
10 Jun 2005 Crack down on life adviser commissions possible
10 Jun 2005 Fisher Funds buys Coronet
10 Jun 2005 Investors approve fund move to Cook Islands
09 Jun 2005 KiwiSaver wins praise from international body
09 Jun 2005 Cullen quizzed on KiwiSaver
09 Jun 2005 Financial Intermediaries task force consultation meeting
09 Jun 2005 Two banks cut rates after OCR announcements
09 Jun 2005 Bollard leaves rates unchanged but talks tough
09 Jun 2005 OCR unchanged at 6.75%
09 Jun 2005 NZ Super Funds expected returns fall - again
09 Jun 2005 NZ Super Funds expected returns fall - again
08 Jun 2005 ANZ Residential Investment Seminars
08 Jun 2005 Auckland property market volumes firm in May
08 Jun 2005 Financial Intermediaries task force consultation meeting
08 Jun 2005 Financial Intermediaries task force consultation meeting
08 Jun 2005 Elderly need strong coalition partner in Government
08 Jun 2005 Trade on NZX up 15% from May
08 Jun 2005 Shane Downey joins ASB
07 Jun 2005 Financial Intermediaries task force consultation meeting
07 Jun 2005 Competition keeps rates down
07 Jun 2005 Until debt do us part
07 Jun 2005 Competition keeps rates down
07 Jun 2005 Beware the great debenture
07 Jun 2005 RBA expected to hold rates
07 Jun 2005 Reserve Bank treads fine line on interest decision
07 Jun 2005 How bias goes to investors' heads
07 Jun 2005 Living on borrowed time in land of long dark cloud
07 Jun 2005 Economists say interest rates will be left unchanged
07 Jun 2005 Housing gains create 'fool's paradise'
07 Jun 2005 Rest homes may be hit by proposed tax change
07 Jun 2005 DOC move puts baches at risk
07 Jun 2005 Massive rates rises anger Waitomo village
07 Jun 2005 Commerce Commission warning on rent-to-buy housing
07 Jun 2005 Rules ban tiny apartments
07 Jun 2005 Official rates 'to fall from March'
07 Jun 2005 Superbank hit by price war
07 Jun 2005 Loss of carparks opposed
07 Jun 2005 Perception of wealth misleading
06 Jun 2005 Economists say interest rates will be left unchanged
05 Jun 2005 DP Rates - New Offers
03 Jun 2005 ASFONZ and Women in Super Seminar
03 Jun 2005 Aussie website launch boost for NZ properties
03 Jun 2005 Council bans 'shoe-box' apartments in Auckland
03 Jun 2005 ASB Group moves administration to Jacques Martin
02 Jun 2005 PIS appoints new NZ boss
02 Jun 2005 Market Review: New Zealand at an economic and savings cross roads?
02 Jun 2005 ANZ's savings solution
02 Jun 2005 Too few advisers engaging with task force: Becker
01 Jun 2005 Financial Intermediaries task force consultation meeting
01 Jun 2005 June - Spotlight on Apartments
01 Jun 2005 Council takes hard line on apartment design
01 Jun 2005 Insurer alarmed at rise in inner-city apartment claims
01 Jun 2005 ING Midyear Roadshow
01 Jun 2005 Engage with the Force - the Task Force that is
01 Jun 2005 ANZ Residential Investment Seminars
01 Jun 2005 Heat is coming out of housing boom: PMI
01 Jun 2005 Investors quiet at Blue Chip meeting
01 Jun 2005 $143m KIP offer opens next week
01 Jun 2005 Making money out of debts
01 Jun 2005 IRD swoop nets $490m tax bonanza
01 Jun 2005 Banks start home loan war again
01 Jun 2005 Subdivisions in Mahia get council nod
01 Jun 2005 Multiplex chief pays dearly for Wembley
01 Jun 2005 Planner: Kerikeri problem can be fixed
01 Jun 2005 Triple rates demand
01 Jun 2005 Title Insurance - What is it and is it worth buying?
01 Jun 2005 Port's potential pushes prices
01 Jun 2005 Fund moves to Cook Island for tax benefits
01 Jun 2005 Sovereign appoints new home loans development manager
May 2005
31 May 2005 Financial Intermediaries task force consultation meeting
31 May 2005 Financial Intermediaries task force consultation meeting
31 May 2005 Home loan wars - Round 3
31 May 2005 ASFONZ and Women in Super Seminar
31 May 2005 ING Midyear Roadshow
31 May 2005 Russell rolls out multi-manager NZ funds
30 May 2005 Tower appoints new director
30 May 2005 ING Midyear Roadshow
30 May 2005 News Round Up
27 May 2005 Home loan wars restarting?
27 May 2005 Law Commission's recommendations sidelined
27 May 2005 BDMs go in new TOWER structure
26 May 2005 Financial Planners support aims of Task Force
26 May 2005 New Zealand Fixed Income Forum 2005
26 May 2005 Stobo and Harris give budget the OK
25 May 2005 There was a winner in the Budget
25 May 2005 Regional Highlights
25 May 2005 ANZ Residential Investment Seminars
25 May 2005 Details of Tower Health's new line up
25 May 2005 TSB looks to expand its coverage
24 May 2005 A Budget for all generations: Cullen
24 May 2005 Budget 2005: Tax incentives potentially dangerous
24 May 2005 Long term home loan rates continue to fall
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.
1 day 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.
1 day 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.
3 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…
3 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".
3 days ago Paul Flood