GoodReturns
Archive - 2009
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June 2009
17 Jun 2009 ING faces fury as offer divides investors
16 Jun 2009 ING faces fury as offer divides investors
16 Jun 2009 Where to for home loan rates?
16 Jun 2009 RaboPlus slashes entry fee on managed funds
16 Jun 2009 Market picks rates to rise earlier than RBNZ forecasts
16 Jun 2009 Be careful before investing in cash PIEs
16 Jun 2009 Feeble attempt to lower floating rates
16 Jun 2009 Migration underpins lift in property, outlook still unclear
15 Jun 2009 Farewell Naomi
15 Jun 2009 Ballantyne to leave ING Life
15 Jun 2009 Ballantyne to leave ING LIfe
14 Jun 2009 Bond Focus: NZ yield curve stretched by bond sales, low rates
14 Jun 2009 Rates Round Up
12 Jun 2009 Geneva pares loss on cost cutting, restructure
12 Jun 2009 Water those green shoots
12 Jun 2009 Macquarie grows Kiwi advice team
12 Jun 2009 LBA commits to independent future
12 Jun 2009 AUSTRALIA Series 1 - Accessing an Australian equity recovery
12 Jun 2009 Staying short the best strategy
12 Jun 2009 Fisher Funds KiwiSaver bucks the trend
12 Jun 2009 Brook closing fund
11 Jun 2009 What economists are saying
11 Jun 2009 New CFO for ING NZ
11 Jun 2009 Prices slip, volumes hold in May: REINZ
11 Jun 2009 SHARE Conference 2009
11 Jun 2009 REINZ residential highlights - May 2009
11 Jun 2009 RBNZ keeps key rate at 2.5% amid signs of stabilisation
11 Jun 2009 Dollar, rates jump after Bollard leaves rates unchanged
11 Jun 2009 OCR unchanged at 2.5%
11 Jun 2009 Fund managers pick China
10 Jun 2009 Trappy joins BIG
10 Jun 2009 Banks should disclose profit margins: Bawden
10 Jun 2009 Banks are bastards…
10 Jun 2009 SuperLife hits out at default providers after eosaver exit
10 Jun 2009 MPs slam banks over interest rates
09 Jun 2009 MPs slam banks over interest rates
09 Jun 2009 Building work falls less than expected
09 Jun 2009 Criminalising not helpful, says tenancy group
09 Jun 2009 Market Review: June 2009 Commentary
09 Jun 2009 Market Review: June 2009 London Commentary
09 Jun 2009 AXA favours returns in emerging equity markets
09 Jun 2009 Allan Hawkins defends prospectus
08 Jun 2009 Rates Round Up
08 Jun 2009 News Round Up
08 Jun 2009 Property prices stabilise with cheaper lending rates: QV
08 Jun 2009 TSB grows profits and mortgage book; HSBC's profit more than doubles
08 Jun 2009 QV regional highlights - May 2009
07 Jun 2009 Economists divided on next move for interest rates
05 Jun 2009 Property market picks up after
05 Jun 2009 Budget delivers warm blast
05 Jun 2009 Tower: Commodity Investing in 2009
05 Jun 2009 National says no to capital gains tax
05 Jun 2009 Loopholes removed from NAP law
05 Jun 2009 First KiwiSaver fund to close
05 Jun 2009 Merger heralds mega ambitions for online financial firm
04 Jun 2009 First KiwiSaver fund to close
04 Jun 2009 Bridgecorp directors banned
04 Jun 2009 Buist climbs Guardian ranks
04 Jun 2009 Auckland housing demand picks up
04 Jun 2009 Rates seesaw continues
04 Jun 2009 Members clear way for IFA’s new disciplinary bylaw
04 Jun 2009 Attention turns to risk products as demand for investment wanes
03 Jun 2009 Share makes new appointment
03 Jun 2009 Recession fails to dent demand for risk products
03 Jun 2009 Mortgage rate commentary: Little action
03 Jun 2009 St Laurence reports $87.2m loss
03 Jun 2009 Kiwibank continues explosive growth; ASB profit drops
02 Jun 2009 Labour heads to Select Committee over RTA bill
02 Jun 2009 ASFONZ Education Module: Trustee Investment Decisions
02 Jun 2009 Sue directors, not advisers: Lawyer
02 Jun 2009 News Round Up
02 Jun 2009 Is it worth breaking your mortgage?
01 Jun 2009 Rates Round Up
01 Jun 2009 IFA appoints new Independent Director
May 2009
29 May 2009 NZ building approvals climb 11% in April, suggesting life seeping back into market
29 May 2009 Managed futures seminar
29 May 2009 Budget 2009: AXA Budget Commentary 2009
29 May 2009 Rates seesaw stuck
28 May 2009 Budget blow for capital markets
28 May 2009 Productivity, vision take back seat as English delivers debt-control budget
28 May 2009 Suspending NZ Super Fund contributions increases burden: Mercer
28 May 2009 Budget 2009: Almost $12 million extra for financial adviser watchdog
28 May 2009 New Zealand's property market is forecast to slump further
28 May 2009 Budget 2009: NZ ends tax cuts, pension contributions as deficits soar
28 May 2009 Budget 2009: Primary Growth Partnership replaces Fast Forward Fund
28 May 2009 Budget 2009: NZ Govt bond sales to soar 55% as deficits balloon
28 May 2009 Managed futures seminar
28 May 2009 ING/ANZ make $400m final assault on CDO funds
28 May 2009 ING/ANZ make $400m final assault on CDO funds
28 May 2009 ING Life offers support people who lose jobs
28 May 2009 Budget Preview: Watching for surprises
28 May 2009 Budget delivers home insulation
27 May 2009 ANZ National increase long rates
27 May 2009 ASFONZ Education – Introduction to Workplace Savings
27 May 2009 ASFONZ Education Module: Introduction to Trusteeship
27 May 2009 Tower does distribution deal with Aon
27 May 2009 27 May 2009
27 May 2009 Auto IFA authorisation premature, Commission says
26 May 2009 Managed futures seminar
26 May 2009 ASFONZ Education – Introduction to Workplace Savings
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.
18 hours 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.
20 hours 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.
2 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…
2 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