GoodReturns
Archive - 2007
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November 2007
28 Nov 2007 Some relief on 2yr rates
28 Nov 2007 PINs companies placed in voluntary liquidation
28 Nov 2007 PINs companies placed in voluntary liquidation
28 Nov 2007 Some relief on 2yr rates
27 Nov 2007 Seven key themes to influence funds management
27 Nov 2007 Salvus to become Australasian LIC
26 Nov 2007 AIG moves into mortgage space
26 Nov 2007 Bank rates matched by others
26 Nov 2007 Money At Work: South Canterbury Finance bonds
26 Nov 2007 News Round Up
25 Nov 2007 Nathans debentures offered some hope
23 Nov 2007 Weekly Wrap: Disclosure for winners
23 Nov 2007 AIG appoints new Head of Distribution
23 Nov 2007 The silent rate war
23 Nov 2007 Finance company bill introduced to Parliament
22 Nov 2007 Related party loans hurt Clegg and Co debentureholders
22 Nov 2007 Investment slump eats into Fidelity profits
22 Nov 2007 Private equity firm takes over VSL
22 Nov 2007 Vestar adds another analyst
21 Nov 2007 Office rents soar around the world
21 Nov 2007 The only way is up
21 Nov 2007 Good news from the finance company sector
21 Nov 2007 Advisers swing KiwiSaver choices, survey finds
21 Nov 2007 The only way is up
20 Nov 2007 Adviserlink - Personal Risk Management
20 Nov 2007 Finance company sector still sound: Report
19 Nov 2007 South Canterbury increases bond offer
19 Nov 2007 Adviserlink - Advice Process III: Presenting the Recommendation
19 Nov 2007 Adviserlink - Advice Process II: The Fact Find Consultation
19 Nov 2007 Banks continue slugfest
19 Nov 2007 News Round Up
18 Nov 2007 Women seeking financial security through property
17 Nov 2007 Westpac forecasts strong rent rises
16 Nov 2007 Weekly Wrap: Big noises, big words and a big litigation fund
16 Nov 2007 Sec Comm looks to go after finance companies
16 Nov 2007 Sec Comm looks to go after finance companies
16 Nov 2007 ASSET - Big tick for KiwiSaver
16 Nov 2007 New managers at St Laurence
16 Nov 2007 F&P Finance future being considered
15 Nov 2007 New CEO for Peros
15 Nov 2007 Push to insurance to be included in KiwiSaver
15 Nov 2007 Regions to be bit by stagnant property values and falling sales: Report
14 Nov 2007 Buyback facility set up for bonds
14 Nov 2007 Allied Nationwide going with S&P
14 Nov 2007 Adviserlink - Fundamentals of Investment
14 Nov 2007 More attention need on spending retirement funds
14 Nov 2007 Accessing the Water H2Opportunity
14 Nov 2007 Market review: November 2007 commentary
14 Nov 2007 Adviserlink – Business Financial Solutions
14 Nov 2007 More rate increases flow through
13 Nov 2007 DorchesterLife joins SHERPA
13 Nov 2007 South Canterbury on capital raising mission
13 Nov 2007 House sales and prices stabilising
12 Nov 2007 Adviserlink – Investment Planning
12 Nov 2007 South Canterbury on capital raising mission
12 Nov 2007 AIG boss outlines plans for NZ business
12 Nov 2007 AIG's new CEO
12 Nov 2007 News Round Up
12 Nov 2007 QV statistics confirm slowing property market
10 Nov 2007 Premiums up 6.2%
10 Nov 2007 Weekly Wrap:
10 Nov 2007 Sales recover while residential property median treads water
09 Nov 2007 The role of financial advice in KiwiSaver
09 Nov 2007 12th FundSource Annual Conference
08 Nov 2007 660 new houses for Invercargill
08 Nov 2007 Hildyard quits Tower
07 Nov 2007 Bank loan funding costs at 10 year peak
07 Nov 2007 Western Bay debenture holders get 82c in dollar
07 Nov 2007 Fidelity says interest payment maybe postponed
07 Nov 2007 Officials ponder tax treatment of HER
07 Nov 2007 Official ponder tax treatment of HER and annuities
07 Nov 2007 Kids to be taught money skills
07 Nov 2007 Regional Review: Christchurch
07 Nov 2007 Toolbox: LawAccess
06 Nov 2007 Westpac winning KiwiSavers
06 Nov 2007 New property listings in October support buyers’ market
06 Nov 2007 Brook's new client service man
06 Nov 2007 Geneva survives meeting vote
06 Nov 2007 November issue - available now
05 Nov 2007 Geneva survives meeting vote
05 Nov 2007 About
05 Nov 2007 Welcome to the Landlords Blog
05 Nov 2007 Adviserlink – Practice Management
05 Nov 2007 Will there be a guy at Geneva's meeting?
05 Nov 2007 News Round Up
05 Nov 2007 Adviserlink – Business Financial Solutions
05 Nov 2007 Investment rates continue to rise
04 Nov 2007 Propertyfinance Securities revival proposed
04 Nov 2007 Gang-house threat delivered
03 Nov 2007 Would you like to become a super successful property investor?
03 Nov 2007 Exclusive Ruby Bay offering
03 Nov 2007 Welcome home loans used
02 Nov 2007 Weekly Wrap: A spoon full of sugar to sweeten Bridgecorp pain
02 Nov 2007 RB prepares to regulate non-bank sector
02 Nov 2007 Fund flows take a hit
02 Nov 2007 Arcus appoints new man
02 Nov 2007 More commission changes for brokers
02 Nov 2007 Memo to Dalziel: Give investors protection
01 Nov 2007 Rents dip unexpectedly
01 Nov 2007 Home loan rates being tweaked
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.
12 hours 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.
14 hours 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.
2 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…
2 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