GoodReturns
Archive - 2004
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May 2004
12 May 2004 How big is the biggest broker in the land?
12 May 2004 Salvus outlines LIC proposal
11 May 2004 Colville Equities roadshow
11 May 2004 FPIA Wellington Branch meeting
11 May 2004 House price rise expectations dwindle
11 May 2004 Gazing into the real estate crystal ball - Mary Holm
11 May 2004 Lesson time for investors
11 May 2004 Property problems: Certificates of title and how to search them
11 May 2004 $130 million Otahuhu business park on track
11 May 2004 Property prices double in Central Otago boom
11 May 2004 Second new investment company unveiled
10 May 2004 Adviserlink Investments & Risk Management
10 May 2004 Bettle new chair of Dominon Finance
10 May 2004 House price rise expectations dwindle
07 May 2004 Promises to fix powers of attorney law unheeded
07 May 2004 Fidelity acquires Lumley Life’s NZ book
07 May 2004 Fidelity Life picks up Lumley
07 May 2004 SIFA Conference
07 May 2004 OMNIMax Software Demonstrations - Woe to go!
07 May 2004 IMF wants tougher penalties for rogue advisers
06 May 2004 Kiwibank joins others in hiking lending rates
06 May 2004 Banks earn about $610 profit for each person in NZ
06 May 2004 Trust harvests cash for building
06 May 2004 Macquarie buys Auckland property from Trans Tasman Properties
06 May 2004 A building boom for Coromandel
06 May 2004 Building quality decline noted
06 May 2004 The new urban connection - Australia
06 May 2004 Tax incentives provide little benefit
06 May 2004 Rate of super queried
06 May 2004 Bank's ad campaign stirs up brokers
06 May 2004 Adviser regulation slips back
05 May 2004 Bank's ad campaign stirs up brokers
05 May 2004 Leaseholders want payouts revisited
05 May 2004 Fixed rate home loans still popular: Survey
05 May 2004 KPMG queries some fixed interest investments
04 May 2004 Woeful record of body corporates
04 May 2004 Councillor buys 'strategic' piece of land in Takaka
04 May 2004 Banks cash in on house boom
04 May 2004 Market review: Better to take the medicine now
04 May 2004 Tower merges retail and wholesale businesses
04 May 2004 Differences about what is partial disability
04 May 2004 Crossan reappointed
03 May 2004 HSBC keeps the heat on BNZ
03 May 2004 Trans Tasman property deals worth $90m
03 May 2004 Kiwis still want that quarter acre
03 May 2004 HSBC keeps the heat on BNZ
03 May 2004 Adviserlink Fundamentals & Processes
03 May 2004 Adviserlink Practice Management
03 May 2004 News Round Up
03 May 2004 Pero well rewarded: Prospectus
03 May 2004 Markets to become tougher
03 May 2004 Flash floods force evacuations in west Auckland
03 May 2004 $100 million resort for Bay of Plenty
02 May 2004 Property problems: Rules designed to give investors right information
02 May 2004 Offer for TTP 'too low'
02 May 2004 Incorrect loan offers sent to thousands
02 May 2004 Learning about shares: Look out for the bargains and back 'em like Buffett
02 May 2004 She's no landlady - she's his wife - Mary Holm
02 May 2004 House building at 28-year high
01 May 2004 Housing consents at 28-year high
April 2004
30 Apr 2004 Markets to become tougher
29 Apr 2004 Domestic inflation concerns prompt another rate increase
29 Apr 2004 OCR increased to 5.5%
29 Apr 2004 NC Newsletter - Non Conforming News Spot
29 Apr 2004 Mortgage brokers unfazed by OCR hike
29 Apr 2004 New bill has wide powers
29 Apr 2004 OCR increased to 5.5%
29 Apr 2004 Low-income earners to get boost
29 Apr 2004 Squatters to be 'millionaires'
29 Apr 2004 Taumarunui housing booming
29 Apr 2004 Axis stocks pocket for more buying
29 Apr 2004 Report warns TTP shareholders of SEA Holdings bid
29 Apr 2004 CDL seeks full control of property firm
29 Apr 2004 Accommodation supplement may be reviewed
29 Apr 2004 New bill has wide powers
28 Apr 2004 Guardian's Douglas has new role
28 Apr 2004 Retirement Commissioner welcomes removal of barriers for employers
28 Apr 2004 Liontamer Roadshow: New income fund planned
27 Apr 2004 Risk barometer to measure income returns
27 Apr 2004 Inflation starts to stir
27 Apr 2004 Liontamer Roadshow: New income fund planned
26 Apr 2004 Close call on rates
26 Apr 2004 Property boom gradually slowing, says Deutsche Bank
26 Apr 2004 Rate rise this week a close call
26 Apr 2004 Adviserlink Fundamentals & Processes
26 Apr 2004 Adviserlink Essentials of Mortgage Broking
26 Apr 2004 BT and Fisher lose NZIT mandates
26 Apr 2004 Former St Laurence ceo buys financial planning firm
26 Apr 2004 Liontamer Roadshow: New income fund planned
26 Apr 2004 Confidence is shares boosts investor sentiment
26 Apr 2004 Pulling clear of inflation
26 Apr 2004 Why risk and return go hand in glove - Mary Holm
26 Apr 2004 Mike Pero hits back at BNZ over ads
26 Apr 2004 BNZ ads compliment brokers: NZMBA
26 Apr 2004 Strata titles arrive in MDC Building on Broadway
26 Apr 2004 Property problems: Dealing with an agent who has undeclared links
26 Apr 2004 Australians property investors descend on Tokoroa
26 Apr 2004 Up for negotiation
26 Apr 2004 Twin city complex developers heartened
26 Apr 2004 Government pays $1.8m for natural gem in Nelson
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