GoodReturns
Archive - 2005
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February 2005
23 Feb 2005 Governance key property issue
23 Feb 2005 The touch factor
23 Feb 2005 Boom sector
23 Feb 2005 Smart renovations
23 Feb 2005 Property hotspots
23 Feb 2005 Right land for best returns
23 Feb 2005 How to hold a property
23 Feb 2005 Size does matter
23 Feb 2005 History always repeats itself
23 Feb 2005 Tenancy laws
23 Feb 2005 Good returns in aged care
23 Feb 2005 Insurance for landlords
23 Feb 2005 Expanding your empire
23 Feb 2005 Govan is tower developer
23 Feb 2005 Tainted soil fears raised at Bay meeting
23 Feb 2005 Owners of leaky homes win city council payout
23 Feb 2005 Median house price up but Morley warns caution
23 Feb 2005 Hefty rates rise?
23 Feb 2005 4 ways to sell your home
23 Feb 2005 Housing market makes slow start to year
23 Feb 2005 Crossan delivers stern message to advisers
22 Feb 2005 Minto rings the changes at Tower
22 Feb 2005 Fidelity Life Options Portfolio briefing
22 Feb 2005 Financial & Legal Forum - FPIA
22 Feb 2005 How people make savings decisions
22 Feb 2005 AIA appoints new business manager
21 Feb 2005 Cullen outlines what will be in the budget for the savings industry
21 Feb 2005 Kiwibank posts profit and grows mortgage market share
21 Feb 2005 Retirement Scheme gets report card
21 Feb 2005 Adviserlink Essentials of Mortgage Broking
21 Feb 2005 Adviserlink Fundamentals & Processes
21 Feb 2005 Mixed messages with house prices: REINZ
21 Feb 2005 News Round Up
20 Feb 2005 Tenants' millions unclaimed
20 Feb 2005 Kiwi fires off insults as war with Capital heats up
20 Feb 2005 Dunedin landlords dropping their prices
20 Feb 2005 Public to have a say
20 Feb 2005 East braced for rates
20 Feb 2005 Countryside feels city heat
20 Feb 2005 Do your homework when looking for a property
20 Feb 2005 Marlborough house values stay firm
20 Feb 2005 Cathy Casey: Communities built on good housing
18 Feb 2005 Mixed messages with house prices: REINZ
18 Feb 2005 SeniorCare Business Case
17 Feb 2005 Will ANZ bid for Mike Pero?
17 Feb 2005 ANZ National loses a little mortgage market share
17 Feb 2005 Super Fund announces global listed property mandate
17 Feb 2005 Cullen dashes hopes for super incentives
17 Feb 2005 Finance companies focus of conference
17 Feb 2005 Super Fund appointments
16 Feb 2005 Finance companies focus of conference
16 Feb 2005 Ericksens actuarial appointment
16 Feb 2005 Adviserlink Fundamentals of Personal Risk Management
16 Feb 2005 ING to launch wrap account
15 Feb 2005 Capital Property Investors Assn meeting
15 Feb 2005 Winners and losers in the state sector savings scheme
15 Feb 2005 AIA to launch consumer credit policy
15 Feb 2005 Winners and losers in the state sector savings scheme
15 Feb 2005 IBANZ appoints its first ceo
14 Feb 2005 Bridgecorp borderline investment grade: Rapid Ratings
14 Feb 2005 Ups and downs in housing sector
14 Feb 2005 Online property prices open to all
14 Feb 2005 Family trusts a legal minefield
14 Feb 2005 Time to Look at those Portfolios
14 Feb 2005 Do your homework when looking for a property
14 Feb 2005 Quick step to the sun
14 Feb 2005 City design 101
14 Feb 2005 Rental rules face changes
14 Feb 2005 Leaky building owners claim court victory
14 Feb 2005 Auckland residents face big rates hike
14 Feb 2005 Australia's FSR an eye-opener
14 Feb 2005 Adviserlink Essentials of Mortgage Broking
14 Feb 2005 Adviserlink Fundamentals of Investments
14 Feb 2005 Housing market definitely slowing: QV
14 Feb 2005 NZ Finance to buy Approved
14 Feb 2005 News Round Up
13 Feb 2005 NZ Top 50 in healthier state: rater
11 Feb 2005 ING February Roadshow
11 Feb 2005 Alternative assets on NZSF agenda
11 Feb 2005 Alternative assets on NZSF agenda
10 Feb 2005 Investors in $2.2m row with IRD
10 Feb 2005 Developers start to move on Flat Bush
10 Feb 2005 Meeting to air unease on high-rise
10 Feb 2005 Owners tip mass bach sell-off after hikes
10 Feb 2005 Migrant inflow down 57% in year
10 Feb 2005 Commercial property work still booming
10 Feb 2005 House buyers gain confidence
10 Feb 2005 Mortgage rate war fuels housing confidence
10 Feb 2005 Fletcher Building shares soar on higher half year profit
10 Feb 2005 BNZ economist predicts recession in residential construction
10 Feb 2005 Govt ponders tax changes
10 Feb 2005 The fruits of Money Managers' latest labour
09 Feb 2005 Malpas joins PRF in new role
09 Feb 2005 Rotorua Property Investors Association Public Meeting
09 Feb 2005 International Equities – managing the risks
09 Feb 2005 Macquarie hooks into Global Titans for notes
09 Feb 2005 Key features of Highpoint Notes
09 Feb 2005 ING February Roadshow
09 Feb 2005 Auckland property market takes a holiday
09 Feb 2005 ASSET February
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