GoodReturns
Archive - 2008
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November 2008
28 Nov 2008 Building approvals fall to record low
28 Nov 2008 Short-term borrowing opportunities shrinking
28 Nov 2008 Risks and returns in this market
27 Nov 2008 New private equity fund blossoms at Craigs
27 Nov 2008 Lombard posts loss
27 Nov 2008 Maloney to head Stone after Asteron buys Service 1st
27 Nov 2008 Marac launches high interest account
27 Nov 2008 Money @ Work: PGG Wrightson Finance secured bonds
27 Nov 2008 ASFONZ/Women in Super Industry Breakfast
27 Nov 2008 ASFONZ Education – Introduction to Workplace Savings
27 Nov 2008 Hanover Roadshow
27 Nov 2008 Home loan report: Longer fixing now an option
27 Nov 2008 ANZ and NBNZ make borrowing harder
27 Nov 2008 Dorchester unveils three-year repayment plan
26 Nov 2008 South Canterbury goes to the market again
26 Nov 2008 ANZ and NBNZ make borrowing harder
26 Nov 2008 Strategic halts January pref share payment
26 Nov 2008 New senior manager for BT
26 Nov 2008 ASFONZ/Women in Super Industry Breakfast
26 Nov 2008 ASFONZ Education – Introduction to Workplace Savings
26 Nov 2008 Hanover Roadshow
26 Nov 2008 Hanover Roadshow
26 Nov 2008 The bottom may be close: Diversified
25 Nov 2008 Sovereign pushes further into business insurance market
25 Nov 2008 ASFONZ Education – Introduction to Workplace Savings
25 Nov 2008 Leap in Tenancy Tribunal applications
25 Nov 2008 Hanover Roadshow
25 Nov 2008 Hanover Roadshow
25 Nov 2008 ING credit fund on the ropes
24 Nov 2008 BNZ takes rate war to six-month term
24 Nov 2008 Property affordability improves as loan costs fall
24 Nov 2008 News Round Up
24 Nov 2008 Pope joins Loan Market as BDM
24 Nov 2008 BNZ takes rate war to six-month term
22 Nov 2008 [Weekly Wrap] Hanover package one of the better
22 Nov 2008 Shaking up property management
21 Nov 2008 Brook takes from BT and FNZC
21 Nov 2008 Survey shows 100 pt cut highly likely
20 Nov 2008 Brook takes from BT and FNZC
20 Nov 2008 Hanover details plans
20 Nov 2008 My take on Hanover's plan
20 Nov 2008 Rotorua: Hot opportunities
20 Nov 2008 IFA upgrades education rules
19 Nov 2008 Hanover investors learn their options
19 Nov 2008 Wrightson Finance increases bond sale to $100m
19 Nov 2008 Berry heads up Kiwibank's wealth business
19 Nov 2008 Morningstar changes its view on Brook
19 Nov 2008 Flat-fee property management has come to NZ
18 Nov 2008 Short, yes, but how short?
18 Nov 2008 FPA 2008 National Conference
18 Nov 2008 Market share for life companies
18 Nov 2008 Huljich KiwiSaver not a category one killer
18 Nov 2008 Property sales record slump in first half
17 Nov 2008 News Round Up
16 Nov 2008 SIFA Conference 2008
14 Nov 2008 Geneva founder ousted from board
14 Nov 2008 [Weekly Wrap] Glam in the boardroom
14 Nov 2008 Market bites online victim
14 Nov 2008 New govt brightens outlook for property market
14 Nov 2008 Changes, changes, changes
14 Nov 2008 Strategic in talks with Perpetual & BOS on moratorium
14 Nov 2008 Big changes at Brook
14 Nov 2008 Morrison & Co. may manage funds for Fisher after buy-in
14 Nov 2008 Motor Trade Finance posts annual profit, maintains loan sales
14 Nov 2008 KiwiSaver changes more work
14 Nov 2008 Breaking fixed rate contracts could save you money
14 Nov 2008 [Book] How to Sell a House Fast in a Slow Real Estate Market
13 Nov 2008 Median house price rises in October: REINZ
13 Nov 2008 The Investment Store Roadshow 2008
13 Nov 2008 REINZ residential highlights – October 2008
13 Nov 2008 Orange Insurance squeezed dry
13 Nov 2008 ASFONZ Education – Advanced Investing
13 Nov 2008 Guarantee scheme keeps risk return out of balance
12 Nov 2008 Opinion: A question of coverage
12 Nov 2008 The Investment Store Roadshow 2008
12 Nov 2008 Wrightson Finance to raise up to $75m in bond sale
12 Nov 2008 ASFONZ Education – Best Practice Governance
12 Nov 2008 ASFA 2008
12 Nov 2008 FNZ wrap looks for buyer
12 Nov 2008 SBS records strong investment growth
11 Nov 2008 Borrowing strategies changing
11 Nov 2008 New boss for Russell Investments
11 Nov 2008 ASFONZ Education – Introduction to Investing
11 Nov 2008 St Laurence, Dorchester advance revivals as Strategic waits
11 Nov 2008 Market Review: November 2008 Commentary
11 Nov 2008 Market Review: London November 2008 Commentary
11 Nov 2008 St Laurence rescue plan includes capital and a guarantee
10 Nov 2008 ASFONZ Education – Introduction to Trusteeship
10 Nov 2008 News Round Up
10 Nov 2008 NZ average house price fall 6.8% in October: QV
10 Nov 2008 Main urban areas commentary: QV
07 Nov 2008 FundSource Conference 2008
07 Nov 2008 Be careful about re-entering equity market
07 Nov 2008 Grosvenor End of Year Conference & Awards Dinner
06 Nov 2008 October slow, but prices rebound
06 Nov 2008 November ready for action in market
06 Nov 2008 PIS Strategic Review 2008
06 Nov 2008 Playing the waiting game
06 Nov 2008 Funds Management & Superannuation Trans-Tasman Roadshow
06 Nov 2008 ISI wants guarantee scheme extended
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.
7 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.
9 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".
2 days ago Paul Flood