GoodReturns
Archive - 2025
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November 2025
18 Nov 2025 Complaints are on the rise - here’s how to handle them
18 Nov 2025 Growth in FAPs and FAs sustained over the last 18 months
18 Nov 2025 Shaping the Future of Financial Advice: An Interview on OMNIMax’s Investment Adviser Tool
18 Nov 2025 Southern Cross Health Trust appoints new chair
18 Nov 2025 Online refixing works for some, but not all borrowers
18 Nov 2025 Why refixing deserves more than five minutes
17 Nov 2025 NZ sharemarket starts new week up 0.2%
17 Nov 2025 A chat with ANZ's CEO
17 Nov 2025 MDRT membership now open for 2026
17 Nov 2025 ANZ sees adviser business dropping but wants to turn things around
17 Nov 2025 Minister not rushing to respond to Retirement report
14 Nov 2025 NZ stocks take Wall Street lead to end down 1%
14 Nov 2025 FMT appoints national strategic partnerships manager
14 Nov 2025 How to fix the retirement system
13 Nov 2025 NZX edges lower as Infratil, profit-taking weigh
12 Nov 2025 Mainfreight result lifts sharemarket as investors eye Infratil update
12 Nov 2025 Baden Martin steps down as NZFSG CEO
12 Nov 2025 Advisers should be more involved in technology develoment: White paper
12 Nov 2025 White paper urges central technology role for mortgage advisers
12 Nov 2025 Investors eye local recovery
11 Nov 2025 NZ sharemarket dips ahead of Mainfreight and Infratil results
11 Nov 2025 Booster adds senior portfolio manager
11 Nov 2025 Advisers write less business with ANZ in the past year
10 Nov 2025 NZX flat as Vital Healthcare announces $200m capital raise
10 Nov 2025 ANZ lessened reliance on advisers in year ended Sept
10 Nov 2025 Bank mortgage lending on target to be the biggest since the pandemic
08 Nov 2025 TMM Weekend Read: 10 things to know about the mortgage market
08 Nov 2025 10 things to know about mortgage lending right now
08 Nov 2025 The Great Yield Reset: Why Income Is Back in Focus on the NZX
07 Nov 2025 NZ sharemarket shakes off Wall Street fall to end firm
07 Nov 2025 Mortgage holders still hedging their bets
07 Nov 2025 Paying advisers for KiwiSaver advice
06 Nov 2025 Ryman and Fletcher lift as NZ sharemarket ends nine-day winning streak
06 Nov 2025 Advisers fall out of love with BNZ
06 Nov 2025 BNZ again shuns advisers and the numbers show it
06 Nov 2025 Financial stress stabilises while household credit demand picks up
05 Nov 2025 Employment data dominates quiet day on NZ sharemarket
05 Nov 2025 Life and health: a tale of two sectors
05 Nov 2025 Fidelity adds cancer support, digital tools for advisers
04 Nov 2025 NZ sharemarket gains as Fletcher hands over NZICC
04 Nov 2025 Westpac CEO fronts on trail commission decision
04 Nov 2025 Westpac CEO explains commission cut decision
04 Nov 2025 Lifetime celebrates 10 years with a new scheme under its belt
03 Nov 2025 Embracing Change
03 Nov 2025 NZ stocks ride wave of 2026 optimism
03 Nov 2025 Westpac's mortgage book grows with the support of advisers
03 Nov 2025 Westpac profit up 13%; Advisers account for more loans
03 Nov 2025 Market recovery signals consistent with interest rate falls
October 2025
31 Oct 2025 NZ stocks end firm after Sky, Vulcan, annual meetings
31 Oct 2025 39-minute processing, 95% claims paid, 164 new advisers trained
31 Oct 2025 Time to fix for longer; Have your say
31 Oct 2025 Only months not quarters to consider fixing home loan terms
30 Oct 2025 Freightways outlook and Fonterra vote drive upbeat day
30 Oct 2025 Another swipe at property investors
30 Oct 2025 NZ a standout for ethical investment funds flow
29 Oct 2025 NZ sharemarket edges higher as media company NZME lifts earnings guidance
29 Oct 2025 OCR cuts forecast; TSB's new rate
29 Oct 2025 Harbour chooses “not a Wall St firm” for global private equity fund External Inbox
28 Oct 2025 NZ sharemarket gains in Labour day catch-up
28 Oct 2025 Bets are on for OCR to fall even further
28 Oct 2025 MDRT announces 2026 chair appointments
27 Oct 2025 Wholesale changes to Partners’s offering
25 Oct 2025 Have Your Say in TMM’s Annual Mortgage Adviser Survey
24 Oct 2025 Sharemarket edges higher as F&P Healthcare weighs on gains
24 Oct 2025 The future or mortgage advice
24 Oct 2025 Five awards and new scholarship from Fidelity Life
24 Oct 2025 Mortgage advisers identify issues shaping the industry’s future
24 Oct 2025 Super alone won’t cut it in retirement
23 Oct 2025 Trauma Cover; the good, the bad, and the ugly
23 Oct 2025 NZ sharemarket lifts as Skellerup update builds confidence
23 Oct 2025 Fast turn around times and reliabily win over advisers
22 Oct 2025 Morningstar to look under the hood of KiwiSaver funds
22 Oct 2025 What lenders need to do to win over advisers
22 Oct 2025 OCR may not keep falling for long
22 Oct 2025 Interest rate rises may be needed by the end of next year
22 Oct 2025 ASB's quarter to shine
21 Oct 2025 Guardians get an investment banker
21 Oct 2025 A full Pie fund is closed
20 Oct 2025 Former finance minister says capital gains tax almost irrelevant
20 Oct 2025 Capital gains tax almost irrelevant – English
17 Oct 2025 NZ stocks end lower while Eroad tanks
17 Oct 2025 SOC gets global financial planning award
17 Oct 2025 Kiwi MDRT members outpace their global peers
17 Oct 2025 Long term rates need to come down; Take part in our adviser survey
17 Oct 2025 New Zealand’s retirement savings regime rated B
17 Oct 2025 Long term rates need to also come down
16 Oct 2025 NZ sharemarket rises in late trading as Infratil rallies on datacentre deal
16 Oct 2025 Insync Funds Management expands its investment capability
16 Oct 2025 Westpac swings the axe on trail commissions; FANZ reacts
16 Oct 2025 Westpac scraps trail commissions on mortgages
16 Oct 2025 New Smart CEO & NZX-Group executive appointments announced
16 Oct 2025 Rules around ethical investing under review
15 Oct 2025 NZ sharemarket lifts despite a2 Milk downgrade and takeover bid for KFC owner Restaurant Brands
15 Oct 2025 Fidelity Life's new Auckland and Northland BDM
15 Oct 2025 Adviser reaction to LVR easing; Adviser survey open
15 Oct 2025 Loosened LVR settings long overdue - adviser
14 Oct 2025 NZ sharemarket down 0.5% amid PGW shuffle
14 Oct 2025 [Breaking News] RBNZ to ease LVR restrictions
14 Oct 2025 RBNZ to ease LVR restrictions
14 Oct 2025 FHB's active; Have your say on mortgage advice
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".
4 days ago Paul Flood