GoodReturns
Archive - 2005
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May 2005
13 May 2005 Bluestone appoints BT man
12 May 2005 BNZ defends its home loan strategy
12 May 2005 SIFA winter conference 2005
12 May 2005 Fund changes confusing
12 May 2005 Problems with changing horses
11 May 2005 BNZ defends its home loan strategy
11 May 2005 Pengana Emerging Companies Fund
11 May 2005 More ways to support brokers
11 May 2005 Fidelity appoints new BDM
10 May 2005 Overseas investors pushing property out of Kiwis’ reach, say Greens
10 May 2005 Macquarie's notes don't reach the highpoint
09 May 2005 Auckland property market remains steady in April
09 May 2005 Home loan rates look to head higher
09 May 2005 Residential property values grow 12.5%
09 May 2005 News Round Up
09 May 2005 House prices accelerated in April
09 May 2005 Expectations of house prices increase remain strong - survey
07 May 2005 Strong interest in Marsden Cove sites
06 May 2005 TOWER appoints new head of investments
06 May 2005 Bank managed fund sales fall
06 May 2005 Westpac manages to weather home loan price war
05 May 2005 From BDM to economist
05 May 2005 Geneva Finance gets S&P rating
05 May 2005 Fight looming over tax proposals
04 May 2005 Task Force due to release options paper
04 May 2005 Adviserlink Fundamentals of Personal Risk Management
04 May 2005 Liontamer roadshow
04 May 2005 Commins takes over Equity
04 May 2005 Property investors ignore gloom
04 May 2005 Loan plan for share buyers
04 May 2005 Housing slump takes toll on agents
04 May 2005 kirmishes in mortgage war continue despite end of BNZ campaign
04 May 2005 BNZ ends its promise
04 May 2005 Debt rises but higher rentals buoy trust
04 May 2005 Australians top up assets via two big deals
04 May 2005 Nelson's growth under spotlight
04 May 2005 Sylvia Park: A catalyst for a new generation of town centre
04 May 2005 New Lynn lift on council table
04 May 2005 A beginner’s guide to the new Building Act
04 May 2005 Ratepayers hit again
04 May 2005 Real estate man pleased as Bollard puts rate on hold
04 May 2005 Victory funding should help to lift stigma
04 May 2005 Glen Innes residents fight against a slum
04 May 2005 Stores keen, but there's no room here
04 May 2005 Expert tips housing boom to keep rolling
04 May 2005 Coromandel lifts development ban
04 May 2005 Buying into flood zone
04 May 2005 Property problems: My property, his builder: Do I have to pay?
04 May 2005 Net migration loss largest in four years
04 May 2005 Changes tipped for developers
04 May 2005 Surprise as house prices hit record
04 May 2005 Home pick less chic
04 May 2005 Tainted soil on record
04 May 2005 Women In Super / ASFONZ
03 May 2005 Liontamer roadshow
03 May 2005 New boutique manager arrives on scene
02 May 2005 Adviserlink Practice Management
02 May 2005 Adviserlink Fundamentals of Investments
02 May 2005 BNZ ends its promise
02 May 2005 Liontamer roadshow
02 May 2005 News Round Up
02 May 2005 Smartshares appoints new team
01 May 2005 Professional property investors remain confident
April 2005
29 Apr 2005 A new option for fixed interest
29 Apr 2005 Adding zing to fixed interest
29 Apr 2005 Helping hand for super
28 Apr 2005 Three way merger
28 Apr 2005 Economists reckon RBNZ wants to raise rates again
28 Apr 2005 RBNZ leaves OCR unchanged
28 Apr 2005 Pioneer increases commissions
27 Apr 2005 APIA Young Investors Group
27 Apr 2005 Emerging markets interesting opportunity: Brighouse
26 Apr 2005 Wrightson to raise up to $60 million
26 Apr 2005 New man for Liontamer
26 Apr 2005 Signs that longer term rates easing
26 Apr 2005 Commission says diclosure needs to improve
26 Apr 2005 TOWER appoints ceo to health business
26 Apr 2005 Rate rise unlikely this week
26 Apr 2005 Rate rise unlikely this week
23 Apr 2005 NZ Finance Holdings profit jumps 71%
22 Apr 2005 AIA roadshow
22 Apr 2005 AIA roadshow
22 Apr 2005 AIA breaks new ground on health insurance pricing
22 Apr 2005 Cullen drops hint on priorities for task force
21 Apr 2005 AIA roadshow
21 Apr 2005 AIA roadshow
21 Apr 2005 Managed funds outflow continues in March quarter
20 Apr 2005 AIA roadshow
20 Apr 2005 Golden rules for what goes into the family trust
20 Apr 2005 Surprise as house prices hit record
20 Apr 2005 Town to country plotting
20 Apr 2005 HSBC continues to lose mortgage market share
20 Apr 2005 Brokers unhappy with National Bank
20 Apr 2005 National Bank to cut trail commissions
20 Apr 2005 Queenstown property market splits
20 Apr 2005 Investor Confidence Reaches Peak
20 Apr 2005 Rents, packed properties boost returns
20 Apr 2005 Better returns ahead - investors
20 Apr 2005 Protect us against bad 'advisers'
20 Apr 2005 Competition keeps mortgages lower
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".
5 days ago Paul Flood