GoodReturns
Archive - 2005
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November 2005
24 Nov 2005 Kiwi Income Property Trust Announces Profit
24 Nov 2005 Stick to the facts on those tall storeys
24 Nov 2005 Proposed changes to Capital Properties board
24 Nov 2005 NZX blasts AMP Property Portfolio over news story
24 Nov 2005 Feathers ruffled over Capital Properties dividends
24 Nov 2005 Caution as home prices hit new high
24 Nov 2005 Perpetual Investments adviser briefing
24 Nov 2005 NZMBA regional visits
24 Nov 2005 FPIA Membership & Certification meeting
24 Nov 2005 ABN Amro buys into Bluestone
24 Nov 2005 Spicer's new distribution manager
24 Nov 2005 Some managers getting headstart on KiwiSaver
23 Nov 2005 Perpetual Investments adviser briefing
23 Nov 2005 NZMBA regional visits
23 Nov 2005 Aussies copy parts of NZ Super Fund
22 Nov 2005 Perpetual Investments adviser briefing
22 Nov 2005 NZMBA regional visits
22 Nov 2005 FPIA board meeting
22 Nov 2005 FPIA Wellington branch function
22 Nov 2005 Governor quiet, rates rise
22 Nov 2005 Finance company default rates suggested
22 Nov 2005 Commission not such a big issue: Carroll
21 Nov 2005 FPIA council meeting
21 Nov 2005 News Round Up
21 Nov 2005 NZMBA sponsors TV programme
21 Nov 2005 Keeping track of investments - Mary Holm
21 Nov 2005 Warning bells on mortgages
21 Nov 2005 Illegal kitchen brings $13,000 fine
21 Nov 2005 Trusts play important role for small business
21 Nov 2005 Median property value hits $295,000
21 Nov 2005 ING Property Trust raises $35 million
21 Nov 2005 Households vulnerable - Bollard
21 Nov 2005 House prices hit fresh high - Reinz
21 Nov 2005 Property Returns Maintain High Levels
21 Nov 2005 Over $3 Million Record for Mt Maunganui Apartment
21 Nov 2005 AMP eyes more of Capital
21 Nov 2005 Boon for Wairoa tenants
21 Nov 2005 Conviction for breaching investor laws
21 Nov 2005 House price easing 'inevitable'
21 Nov 2005 Time to consider using a safe haven
18 Nov 2005 Prices up, sales down, REINZ figures show
18 Nov 2005 Adviserlink Advice Process
18 Nov 2005 Pero under takeover offer from NZ Finance
18 Nov 2005 Bridgecorp declared investment grade
18 Nov 2005 Dalziel to push co-regulation
17 Nov 2005 Book Review: Pay Zero Taxes
17 Nov 2005 NZMBA regional visits
17 Nov 2005 SoFIE shows we're getting better off
17 Nov 2005 IRD eyes tax minimisation schemes
16 Nov 2005 Backing Burton's bike
16 Nov 2005 More big appointments at Tower Health
16 Nov 2005 Adviserlink Advice Process
16 Nov 2005 NZMBA regional visits
16 Nov 2005 FPIA Success Forum 2006
16 Nov 2005 The biggest challenge for advisers
16 Nov 2005 St Laurence has no problem with tenants in new offer
15 Nov 2005 Tenants and landlords to get better access to services
15 Nov 2005 NZMBA regional visits
15 Nov 2005 Market prices in another hike after data release
15 Nov 2005 Provincial chief predicts crunch-time for finance companies
15 Nov 2005 Firm launches online life insurance business
15 Nov 2005 Rule One in tenancy rows: be ready
15 Nov 2005 Easy money
15 Nov 2005 No such thing as a cheap home loan
15 Nov 2005 APP wins control of Capital Properties
15 Nov 2005 House price inflation moderated in October
15 Nov 2005 Property price rises cool off
15 Nov 2005 Capital Properties nears 50pc target
15 Nov 2005 Property market a little cooler
15 Nov 2005 Curb on loans hard on investors
15 Nov 2005 Rich and getting richer as Forbes play tax games with family ranch
15 Nov 2005 Trust managers earn their fee
15 Nov 2005 Wanganui: Clicking into place
15 Nov 2005 Nine to five no way to thrive
14 Nov 2005 Government looks at curbs on home loans
14 Nov 2005 100pc mortgage helps couple realise dream
14 Nov 2005 RBNZ inflation policy slammed
14 Nov 2005 Expert doubts RBNZ tough talk
14 Nov 2005 Landowners see value soar
14 Nov 2005 Bay land values continue to soar
14 Nov 2005 Public Trust Advocates Borrowers Opt For Fixed Rate
14 Nov 2005 The risky business of renovation
14 Nov 2005 Key should grow up
14 Nov 2005 More trusts look at deed changes
14 Nov 2005 Cullen prepares ground for new tax
14 Nov 2005 Adviserlink Advice Process
14 Nov 2005 LJ Hooker gets into mortgage broking
14 Nov 2005 News Round Up
13 Nov 2005 Slight fall in October property prices
12 Nov 2005 REINZ predicts negative and unintended outcomes
11 Nov 2005 A savings industry tribute to Rod Donald
11 Nov 2005 FPIA Tasman branch meeting
11 Nov 2005 SIFA spring conference 2005
11 Nov 2005 FPIA Waikato & BOP education day
11 Nov 2005 Shakeout in finance company sector expected
11 Nov 2005 Tower sorts service and refreshes life range
11 Nov 2005 Phipps joins AMP
10 Nov 2005 CFA Society Forecast Dinner
10 Nov 2005 FPIA Hawkes Bay branch meeting
10 Nov 2005 Hybrid 'Buyers Advocate' Service Launch Presentation
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