GoodReturns
Archive - 2020
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May 2020
01 May 2020 Insurance FAQs for uncertain times
01 May 2020 Advisers inch closer to writing 50% of ANZ's loans
01 May 2020 Have your say and be in to win; Advisers write more and more ANZ loans
01 May 2020 The active passive debate continues ...
April 2020
30 Apr 2020 Tech adoption a pandemic positive: Hill
30 Apr 2020 NZ market a better performer in slump: Morningstar
30 Apr 2020 Kloogh gets sentencing date
30 Apr 2020 Reserve Bank ends LVR restrictions
30 Apr 2020 Investors cash in April's gains' NZX down
30 Apr 2020 Reserve Bank ends LVR restrictions
30 Apr 2020 Govt considers commercial rent relief solutions
30 Apr 2020 Insurers weigh up pandemic impact
30 Apr 2020 Covid-19 could strike REITs a hard blow
30 Apr 2020 Lending strong – before lockdown
29 Apr 2020 NZ market still not 'tempting'
29 Apr 2020 NZX drops after rally; Property stocks sold down
29 Apr 2020 Lending strong – before lockdown
29 Apr 2020 What alert level three means for landlords
29 Apr 2020 Non-banks see surge in demand
29 Apr 2020 Non-banks see surge in demand
28 Apr 2020 New Zealand 'below average' for investors, Morningstar says
28 Apr 2020 Shares rise as investors anticipate swift move to level 2
28 Apr 2020 NZFSG CEO predicts a post-Covid market; OCR to fall below zero?; Westpac rate cuts
28 Apr 2020 NZFSG CEO's predictions for a post-Covid-19 market
28 Apr 2020 Pricing strategy – choices and their meanings
28 Apr 2020 Could the OCR drop below 0%?
27 Apr 2020 Here's when Partners Life will check in on you
26 Apr 2020 Here's how you can operate at level three
24 Apr 2020 NZ shares fall as investors wait for economy to reopen
24 Apr 2020 [GRTV] Managing KiwiSaver in a pandemic
24 Apr 2020 Rating agency gives Partners the tick; Here's what it said
24 Apr 2020 KiwiSaver advice firm appoints investment lead
24 Apr 2020 House price drops are short-lived - Alexander
24 Apr 2020 How long will the housing market downturn last?
24 Apr 2020 House price drops are short-lived: Alexander
24 Apr 2020 AMP sale slows
23 Apr 2020 Advisers helping clients do better: AMP
23 Apr 2020 Scrutiny will go on fund managers' strategies, MJW says
23 Apr 2020 Topsy turvy market conditions continue; NZX snaps 3 day losing streak
23 Apr 2020 Accuro appoints chief executive
23 Apr 2020 Rental market showing signs of life again
23 Apr 2020 Private property viewings allowed under level three
23 Apr 2020 Private property viewings allowed under level three; Mortgage Link hires
23 Apr 2020 Private property viewings allowed under level three
22 Apr 2020 Tighter scrutiny needed on AML, advisers told
22 Apr 2020 NZ shares fall; oil price plunge weighs on Refining NZ
22 Apr 2020 New hires on board at Mortgage Link
22 Apr 2020 LVR rules to be scrapped: reaction
21 Apr 2020 Ballantyne: No more normal
21 Apr 2020 Oil crash spooks investors; NZ shares fall
21 Apr 2020 TAP provides a FAP business in a box
21 Apr 2020 Share your views on what Covid-19 means for investors
21 Apr 2020 Reserve Bank to scrap LVR restrictions
21 Apr 2020 Reserve Bank to scrap LVR restrictions
21 Apr 2020 Long lockdown for advisers
21 Apr 2020 Long lockdown for advisers
21 Apr 2020 Capital raises are coming – but will the price be right?
21 Apr 2020 Responsible managers claim a win
20 Apr 2020 Capitalise on Covid, advisers told
20 Apr 2020 NZ Funds picks up Partners software
20 Apr 2020 [The Wrap] Staying in tune during the lockdown
20 Apr 2020 Market turns on lockdown news
20 Apr 2020 NZPIF conference 2020 postponed
20 Apr 2020 COMMENT: The rental housing conundrum
20 Apr 2020 Pre-approvals hit by Covid-19
20 Apr 2020 Pre-approvals hit by Covid-19
19 Apr 2020 Code will hold: Dale-Jones
18 Apr 2020 COMMENT: The ongoing fight for landlords’ rights
17 Apr 2020 NZ shares rise as covid-19 crater passes
17 Apr 2020 Life at level three for residential landlords
17 Apr 2020 Australian fund manager IOOF quits NZ
17 Apr 2020 Cuts to cash-back offers; Westpac makes new hire
17 Apr 2020 Westpac appoints third-party BDM in Wellington
17 Apr 2020 ANZ capital failings highlighted
16 Apr 2020 This time is different: Vidler
16 Apr 2020 FSC commits to principles
16 Apr 2020 Hardship fund for Asteron customers
16 Apr 2020 NZ shares rise as investor FOMO stokes demand for beat-up stocks
16 Apr 2020 [GRTV] ANZ Investments' CIO Paul Huxford
16 Apr 2020 Looking through the crisis? Or looking into it?
16 Apr 2020 Market timing - what a wicked idea
16 Apr 2020 More relief needed for commercial property sector
16 Apr 2020 ASSET Magazine: The Covid 19 issue
16 Apr 2020 Don't expect a buyers' market immediately
16 Apr 2020 Cuts to cash-back offers
16 Apr 2020 Markets this month and beyond
15 Apr 2020 [VIDEO] Don’t expect a buyers’ market immediately
15 Apr 2020 [VIDEO] Don’t expect a buyers’ market immediately
15 Apr 2020 Confidence returns to stocks: Vista bounces back, Refining NZ jumps on review
15 Apr 2020 What life insurers are offering your customers under Covid 19
15 Apr 2020 The Matrix Partners style; What advisers say
15 Apr 2020 Partners' customer outcomes matrix revealed
15 Apr 2020 Cigna offers new commission options
15 Apr 2020 Market strong before turbulence to come
15 Apr 2020 Trustees Executors appoints new chairman
15 Apr 2020 [Opinion] Two and two are still four
15 Apr 2020 Fears over tougher servicing tests
15 Apr 2020 Fears over tougher servicing tests
15 Apr 2020 Prospa calls for extension of business loan scheme
14 Apr 2020 Former Newpark boss 'working to support advisers'
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".
4 days ago Paul Flood