GoodReturns
Archive - 2007
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April 2007
11 Apr 2007 McMillan leads PAA for another year
11 Apr 2007 Instant Finance on expansion trail
10 Apr 2007 New regulatory threat looms from IRD
10 Apr 2007 Market Review: The Return Of Volatility
10 Apr 2007 News Round Up
09 Apr 2007 ASB loses home loan market share
05 Apr 2007 Auckland adviser establishes insurance group
05 Apr 2007 ING buys stake in Bennetts
04 Apr 2007 Levelling The Tax Playing Field
04 Apr 2007 Auckland property prices increase 12%
04 Apr 2007 Mortgage rate rises slow
04 Apr 2007 Mortgage rate rises slow
04 Apr 2007 Govt backs down on finance company changes
03 Apr 2007 NZ Finance buys 51% of Finance Direct
03 Apr 2007 Wrap split from First NZ
03 Apr 2007 Banks consider cutting commissions
02 Apr 2007 AXA confirmed as default KiwiSaver provider
02 Apr 2007 TOWER selected as default KiwiSaver provider
02 Apr 2007 Easier saving one step closer – KiwiSaver default providers signed up
02 Apr 2007 Mercer-Kiwibank confirmed as Kiwisaver default provider
02 Apr 2007 ASB confirmed as KiwiSaver default provider
02 Apr 2007 News Round Up
02 Apr 2007 Website: Tenants strike back with landlord checking website
02 Apr 2007 Invercargill: Last of the affordable real estate
March 2007
31 Mar 2007 Leaky homes reforms come into force
30 Mar 2007 Weekly Wrap: A week of deals
30 Mar 2007 Hanover sells Nationwide Finance
30 Mar 2007 MFS appoints new bdm
30 Mar 2007 AIA Roadshow 2007
30 Mar 2007 Dwelling consent numbers rise again
30 Mar 2007 Brokers get close to magical 40% mark
30 Mar 2007 MFS buys Swains advisory business
29 Mar 2007 Karma between Dorchester and St Laurence
29 Mar 2007 PAA Conference 2007
29 Mar 2007 Harcourts used misleading ads for a year
29 Mar 2007 AIA Roadshow 2007
29 Mar 2007 St Laurence and Dorchester get together
29 Mar 2007 Key and English on same super songsheet
28 Mar 2007 Vestar's latest adviser
28 Mar 2007 Self Employed Excluded in Kiwisaver Tax Incentive
28 Mar 2007 Education seminars help new landlords get it right
28 Mar 2007 AIA Roadshow 2007
28 Mar 2007 PIE recipe improved
28 Mar 2007 Fixed rates rising quickly
28 Mar 2007 AIA gets flexible on income protection
28 Mar 2007 Court ruling against shore council’s development contributions policy
27 Mar 2007 AIA Roadshow 2007
27 Mar 2007 Property returns power on
27 Mar 2007 No interest rate drops this side of 2010
27 Mar 2007 Cash and international shares appeal
27 Mar 2007 Deposit rate news briefs
27 Mar 2007 Money Managers makes new appointment
26 Mar 2007 Strategic all go with Allco
26 Mar 2007 AIA Roadshow 2007
26 Mar 2007 AIA Roadshow 2007
26 Mar 2007 News Round Up
26 Mar 2007 Renters’ confidence at an all-time low
25 Mar 2007 The red bank goes green
23 Mar 2007 IFA Roadshow
23 Mar 2007 AIA Roadshow 2007
23 Mar 2007 IFA Roadshow - BOP
23 Mar 2007 Weekly Wrap: Regulatory changes to impact advisers
23 Mar 2007 Homeowners shrug off rate rise
23 Mar 2007 New challenges for advisers
23 Mar 2007 New BDM for Hanover
22 Mar 2007 AIA Roadshow 2007
22 Mar 2007 AXA changes commission structures on life products
22 Mar 2007 Tax changes prompt trust wind up
22 Mar 2007 Aggressive OCR cuts not till 2009
21 Mar 2007 Do the Nat agree on Super?
21 Mar 2007 AIA Roadshow 2007
21 Mar 2007 The burning Super issues
21 Mar 2007 Be careful with new tax rules
20 Mar 2007 BNZ starts new campaign for mortgage business
20 Mar 2007 FAB's Canton logs off
20 Mar 2007 Optimism running high with property investors
20 Mar 2007 AIA Roadshow 2007
20 Mar 2007 AIA Roadshow 2007
20 Mar 2007 Arcus starts to get bearish
19 Mar 2007 Deposit rate news briefs
19 Mar 2007 Commission bans finance company
19 Mar 2007 House prices pushed up by tax and interest rates
19 Mar 2007 Adviserlink - Personal Risk Management Course
19 Mar 2007 AIA Roadshow 2007
19 Mar 2007 Warning over loose lending rules
19 Mar 2007 Property market breaks record for February
19 Mar 2007 Fund Managers Otago appoints senior lending manager
19 Mar 2007 News Round Up
16 Mar 2007 Weekly Wrap: Super Duper
16 Mar 2007 Compulsory Super? Forget it
16 Mar 2007 Sovereign makes insurance applications easier
16 Mar 2007 Second Muslim mortgage offering
15 Mar 2007 2007 ASFONZ PIE Warmer
15 Mar 2007 Financial assets finally gaining faster than housing
15 Mar 2007 New analysis shows falling housing affordability
15 Mar 2007 8th Annual SuperFunds Conference
15 Mar 2007 Old campaigner returning home
15 Mar 2007 Ben Elliott moves back to Australia
14 Mar 2007 Nats give some thoughts on savings
14 Mar 2007 KiwiSaver: The journey begins
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".
4 days ago Paul Flood