GoodReturns
Archive - 2025
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February 2025
05 Feb 2025 Non-banks still need to prove their worth despite govt backing
04 Feb 2025 Business Development Manager
04 Feb 2025 Trade war truce breathes life into NZ sharemarket
04 Feb 2025 Number of mortgage holders behind in payments up 1,100 in one month
03 Feb 2025 NZ sharemarket Trumped by tariffs, down 1.4%
03 Feb 2025 Resolution Life completes Asteron purchase
03 Feb 2025 Former Fidelity BM of the year joins NZHL
02 Feb 2025 Luxon sacks FEC chair Stuart Smith without explanation
01 Feb 2025 Generate expands Adviser team
January 2025
31 Jan 2025 NZ sharemarket ends week up 0.5%
31 Jan 2025 FMA’s international chief economist recruit resigns after two years
31 Jan 2025 [TMM Podcast] Yelsa serves up “marine reserve” of property buyers
31 Jan 2025 KiwiSaver members open to sacrificing more for future gain
30 Jan 2025 NZ sharemarket down 0.5%, AIA down 2.5%
30 Jan 2025 Switching banks takes a huge chunk of mortgage money
30 Jan 2025 The New Normal: RBNZ Says Pre-COVID Interest Rates Are a Thing of the Past
30 Jan 2025 RBNZ warns interest rates unlikely to return to pre-covid levels
29 Jan 2025 Rocky session on the markets today
29 Jan 2025 The squeeze is set to ease
29 Jan 2025 Mortgage Relief on the Horizon
29 Jan 2025 Retirement planning must take heed of economic headwinds
28 Jan 2025 NZ sharemarket down 0.3% amid AI upheaval
28 Jan 2025 TAPping into AI
28 Jan 2025 Mortgage Relief: Lower Rates, Bigger Savings
28 Jan 2025 Putting billions back in mortgage borrowers pockets
27 Jan 2025 Synlait’s cautious recovery pleases market
24 Jan 2025 NZ sharemarket ends week down 0.8%
24 Jan 2025 Milford gets new CEO
24 Jan 2025 Luxon Pushes for RBNZ to Act Faster on OCR Decisions
24 Jan 2025 PM suggests RBNZ make OCR decisions more often
24 Jan 2025 Biggest has baddest returns
23 Jan 2025 NZ sharemarket ticks up as Wall St bulls charge
23 Jan 2025 Is Fixing Short-Term Still the Best Choice?
23 Jan 2025 Warning about fixing short term from top economist
23 Jan 2025 Angels fear consequences of FMA wholesale investor test case
22 Jan 2025 Rocket Lab Surges Over 30% to Record High Amid Renewed Space Exploration Optimism
22 Jan 2025 [Opinion] CPD – identifying the stuff we don’t know but really should
22 Jan 2025 Harbour Outlook: So much for the Christmas rally
22 Jan 2025 Are Rising Rates Making Property Investors Nervous?
22 Jan 2025 Investor mortgage borrowers’ sentiment takes a nose dive
21 Jan 2025 Fisher and Paykel Healthcare feels brunt of Trump's proposed tariffs
21 Jan 2025 Are Short-Term Mortgage Rates Really Worth the Risk?
21 Jan 2025 Jumping off the short-term interest rate bandwagon
20 Jan 2025 Takeover for Millennium and Copthorne; Otherwise quiet on NZX
20 Jan 2025 Open Finance Shake-Up: Are You Ready for the Big Changes Ahead?
20 Jan 2025 Open finance momentum expected to gather pace in 2025
20 Jan 2025 Westpac's BT lifts annual net profit 10.8%
17 Jan 2025 NZ sharemarket up over 1.8% for the week
17 Jan 2025 Gut on you Asteron
17 Jan 2025 New Partnership to Upskill New Zealand’s Financial Capability Workforce
17 Jan 2025 Devon Funds 2025 Predictions
17 Jan 2025 Appeal of one-stop shop helps drive Sharesies’ KiwiSaver growth
17 Jan 2025 A few little home loan rate cuts; Split forecasts on next OCR decision
17 Jan 2025 Economists split on RBNZ OCR cut: How much will the Reserve Bank lower rates in February?
17 Jan 2025 Leaving last year's stumbling housing market behind
16 Jan 2025 NZ sharemarket up nearly 0.5%, third rise this week
16 Jan 2025 [Media Release] Get your clients finances in shape for the New Year
16 Jan 2025 Retail investors seeking US exposure as confidence returns
15 Jan 2025 NZ sharemarket lifts off after Auckland Airport numbers
15 Jan 2025 Outlook for 2025: How about no landing?
15 Jan 2025 What's the best mortgage rate strategy for 2025?
15 Jan 2025 To fix or not to fix: Mortgage rate decisions a key theme for 2025
15 Jan 2025 Borrowers turn to short term mortgage rates in droves
15 Jan 2025 Don’t bet on house prices rising faster than incomes
14 Jan 2025 NZ sharemarket up on economic recovery news
14 Jan 2025 New non-bank deposit taker to court advisor networks
13 Jan 2025 NZ sharemarket starts week down 0.5%
13 Jan 2025 Chubb Life appoints chief actuary
13 Jan 2025 FMA tests legal waters on eligible investor exclusion
13 Jan 2025 Challenger focuses on expanding non-bank mortgage loan servicing
13 Jan 2025 Challenger looks to expansion of servicing non-bank mortgage loans
10 Jan 2025 Market ends week down but Briscoe shares up despite lower earnings guidance
10 Jan 2025 Simple still best amid growing investment literacy
10 Jan 2025 Similar Price Growth
09 Jan 2025 NZ market remains in ‘limbo’ ahead of Trump‘s second term
08 Jan 2025 Sharron Botica leaves AIA
08 Jan 2025 Bill strikes a fair balance between landlords and tenants
08 Jan 2025 New life insurance company coming
08 Jan 2025 Bank resourcing should have been a ComCom recommendation
07 Jan 2025 NZX dips despite US tech rally
07 Jan 2025 HNY. Bluestone's book sold
07 Jan 2025 Bluestone’s mortgage book sold
06 Jan 2025 Second trading day on NZX flat for 2025
03 Jan 2025 Market gets off to a slow start for 2025
01 Jan 2025 [TMM Podcast] Opportunities and risks in the housing market
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.
3 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…
5 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