GoodReturns
Archive - 2005
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February 2005
09 Feb 2005 AMP looks at local bonds
08 Feb 2005 ING February roadshow
08 Feb 2005 Advisers Value
08 Feb 2005 ING Feburary Roadshow
08 Feb 2005 Walker Capital moves into retail
07 Feb 2005 Adviserlink Business Financial Services
07 Feb 2005 Adviserlink Fundamentals & Processes
07 Feb 2005 Mortgage rate war fuels housing confidence
07 Feb 2005 News Round Up
07 Feb 2005 Confidence in housing as an investment rebounds
04 Feb 2005 Debt Bondage - Could it happen In New Zealand?
04 Feb 2005 Allison adviser at ABN Amro Craigs
04 Feb 2005 Managed funds scams not common in NZ - Securities Commission
03 Feb 2005 BNZ gains market share but ASB grabs even more
03 Feb 2005 Welcoming a old friend back
03 Feb 2005 Former Westpac person joins Mortgage Express
02 Feb 2005 Scarfies pay top dollar for flats
02 Feb 2005 Booming trade online
02 Feb 2005 New Zealanders need to save more to improve wealth
02 Feb 2005 AMP NZ Office Trust's earnings per unit continue to climb
02 Feb 2005 Pumice house built to last
02 Feb 2005 Unitholders bite back
02 Feb 2005 Cut-price realtor welcomed
02 Feb 2005 Leasholders rocked by massive rent hikes
02 Feb 2005 Leasing agent defends container accommodation
02 Feb 2005 Pay 'much better' abroad
02 Feb 2005 Infinity subdivision consent overturned
02 Feb 2005 Valley residents unhappy over accommodation plan
02 Feb 2005 Tax cuts off agenda despite economy
02 Feb 2005 Leaky home owners set up national group
02 Feb 2005 Apartment residents risk death silencing fire alarms
02 Feb 2005 Minto takes over reigns at Tower
02 Feb 2005 NZ Super Fund appoints two more managers
02 Feb 2005 Market Review: January - a continuation of the patterns of 2004
02 Feb 2005 BT Roadshow: What lies ahead
02 Feb 2005 Wizard pushes debt consolidation
02 Feb 2005 Improving savings levels appears on Govt's agenda
02 Feb 2005 What the PM said on Savings Initiatives
01 Feb 2005 Large fund outflows confound experts
January 2005
31 Jan 2005 New survey reveals interesting facts about superannuation
31 Jan 2005 News Round Up
28 Jan 2005 TOWER QuickStart 2005
28 Jan 2005 AIA January speaker series
28 Jan 2005 Interesting and uncertain year ahead: Caton
27 Jan 2005 Home loan wars keep houses affordable
27 Jan 2005 Mortgage rate wars keep home loans affordable
27 Jan 2005 Mortgage rate wars keep home loans affordable
27 Jan 2005 Manukau property developers face new levy
27 Jan 2005 Dream of own home becoming nightmare
27 Jan 2005 Reserve Bank leaves interest rates unchanged
27 Jan 2005 Property tax cheats in IRD sights
27 Jan 2005 Institute to fight rent rule at resorts
27 Jan 2005 Trusts on surge for five years
27 Jan 2005 Rate rise not expected this week: Economists
27 Jan 2005 House prices on the rise on the North Shore
27 Jan 2005 TOWER QuickStart 2005
27 Jan 2005 AIA January speaker series
27 Jan 2005 Advancing Enterprise Ltd (AEL)
27 Jan 2005 Allen Realty
27 Jan 2005 Premier Mortgages
27 Jan 2005 The Document Factory
27 Jan 2005 Rotherhams
27 Jan 2005 Placefinders
27 Jan 2005 Sovereign
27 Jan 2005 Accounts Online
27 Jan 2005 Dulux
27 Jan 2005 Guthrie Bowron
27 Jan 2005 Rolston Group of Companies
27 Jan 2005 Reserve Bank leaves interest rates unchanged
27 Jan 2005 Company Solutions Ltd
27 Jan 2005 Hybrid Group
27 Jan 2005 Bluestone Mortgages
27 Jan 2005 Deposit Power
27 Jan 2005 OCR unchanged at 6.5%
27 Jan 2005 ISI to advocate major changes to advisers: Arkinstall
26 Jan 2005 TOWER QuickStart 2005
26 Jan 2005 AIA January speaker series
26 Jan 2005 Where will the new minister take the taskforce?
26 Jan 2005 What NZ First and George W Bush have in common
25 Jan 2005 Tower hints at further growth
25 Jan 2005 TOWER QuickStart 2005
25 Jan 2005 AIA January speaker series
25 Jan 2005 UPDATED: Australian hedge fund appears in NZ
25 Jan 2005 TOWER Health & Life appoints new BDM
24 Jan 2005 TOWER QuickStart 2005
24 Jan 2005 AIA January speaker series
24 Jan 2005 AIA January speaker series
24 Jan 2005 News Round Up
24 Jan 2005 Labour of love pays off - Mary Holm
24 Jan 2005 Kiwi Income to review its fees
24 Jan 2005 Hawke's Bay, Auckland home prices fall
24 Jan 2005 IRD cracks down on property investment schemes
24 Jan 2005 Steady she goes
24 Jan 2005 Building Act puts brakes on consents
24 Jan 2005 Paying for a million-dollar view
24 Jan 2005 Cheaper house sale fee pledged
24 Jan 2005 Rate rise not expected this week: Economists
24 Jan 2005 Stay of execution for deco block
24 Jan 2005 Warning on investor's land splurge
24 Jan 2005 House sales in 2004 just shy of record
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.
1 day 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.
1 day 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.
3 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…
3 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".
3 days ago Paul Flood