GoodReturns
Archive - 2004
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February 2004
08 Feb 2004 Teaching kids about money
07 Feb 2004 Interest Rise Good News for Landlords?
07 Feb 2004 RBA may wait to raise rates
07 Feb 2004 Island Real Estate Prices Soar
07 Feb 2004 Auckland house price fall attributed to holidays
07 Feb 2004 2004 MDRT Experience
06 Feb 2004 Fronting up on finance companies
05 Feb 2004 Weekly rate update
05 Feb 2004 Stock Guru, Craigs hits Chch, Urbus bulks up
05 Feb 2004 Long-gone neighbours smelly rubbish a bit on the nose
05 Feb 2004 Rates change snares extra 10,000 in council net
05 Feb 2004 Housing prices ready to cool as immigration slows
04 Feb 2004 Report dishes out housing advice
04 Feb 2004 Quiet before the storm?
04 Feb 2004 Homes more affordable in Northland
04 Feb 2004 Westpac and ANZ come out top in first bank mortgage test
04 Feb 2004 Two floats to break lean spell on NZ sharemarket
04 Feb 2004 Still no end to Taranaki house-building bonanza
04 Feb 2004 Confidence soars to new high
04 Feb 2004 High income tenants fail to alarm
04 Feb 2004 House bubble not big enough to burst - yet
04 Feb 2004 Govt plan to tax investors 4pc on their losses
04 Feb 2004 City fails to meet housing needs
04 Feb 2004 There's no place like home
04 Feb 2004 Landlords hit rental walls
04 Feb 2004 Where To Invest In 2004?
04 Feb 2004 Landlords 'dipping into own pockets'
04 Feb 2004 Rates rebel attacks ARC over database
04 Feb 2004 Economy: Stronger NZ Dollar Threatens Growth In 2004
04 Feb 2004 NZ Equities
04 Feb 2004 International Shares
04 Feb 2004 Fixed Interest: Bond returns likely to mirror 03
04 Feb 2004 Tax issues outlook for 2004: a watershed year?
04 Feb 2004 Industry
04 Feb 2004 Financial Planning
04 Feb 2004 Insurance: The gathering pace of change
04 Feb 2004 Market Review: The end of the golden weather?
04 Feb 2004 Quiet before the storm?
04 Feb 2004 AMP's picks for 2004
03 Feb 2004 OCR rise likely to raise mortgage rates
03 Feb 2004 Arrow Life still in its quiver
03 Feb 2004 Is it a bird? Is it a plane?
03 Feb 2004 TOWER GAM Global Gateway Fund - Int'l Equities with a difference
03 Feb 2004 More Macquarie sharebrokers
03 Feb 2004 Fisher on her new fund
03 Feb 2004 Fidelity Life Fresh Start ’04 Road Show
02 Feb 2004 Nats looking at flexible retirement age
02 Feb 2004 House bubble not big enough to burst - yet
02 Feb 2004 Investors feeling very confident
02 Feb 2004 Fidelity Life Fresh Start ’04 Road Show
January 2004
30 Jan 2004 Positive net funds flow persists through December quarter
30 Jan 2004 Perry switches platforms
29 Jan 2004 Where to invest in 2004?
29 Jan 2004 Fisher Funds to launch listed investment coy
29 Jan 2004 OCR rise likely to raise mortgage rates
29 Jan 2004 OCR rise likely to raise mortgage rates
29 Jan 2004 OCR increased to 5.25%
29 Jan 2004 Managed funds back in favour
29 Jan 2004 Fidelity Life Fresh Start ’04 Road Show
29 Jan 2004 Fidelity Life Fresh Start ’04 Road Show
28 Jan 2004 UK learns retirement policy lessons from NZ
28 Jan 2004 Fisher and Dresdner win super fund mandates
27 Jan 2004 Further Asteron appointments
27 Jan 2004 The RAMS are loose
27 Jan 2004 Kiwibank raises floating rate 20 basis points
27 Jan 2004 ISI calls for government action in wake of PRG report
27 Jan 2004 Investment expectations now driving property market
27 Jan 2004 Fidelity Life Fresh Start ’04 Road Show
26 Jan 2004 News Round Up
26 Jan 2004 Totting up the costs of rental property - Mary Holm
26 Jan 2004 220-unit development rejected
26 Jan 2004 Building sector short of staff
26 Jan 2004 Rents fail to keep pace with house prices
26 Jan 2004 Is the property boom a house of cards?
26 Jan 2004 Housing shows statistical glitch
26 Jan 2004 Three bedrooms, native wood, $20,000 . . . buy of the decade?
26 Jan 2004 Property problems: Wording of lease the key to brothel tenancy
26 Jan 2004 Plot price doubles as sections withdrawn
26 Jan 2004 Housing cycle on a plateau
26 Jan 2004 NZers Teeter On Tip Of Debt Mtn.
26 Jan 2004 Couple allegedly invested just a quarter of money
26 Jan 2004 Full buildings, new tower buoy sector
26 Jan 2004 Insurers Scrutinise Flood-Prone Areas
26 Jan 2004 Property Boom Shows Signs Of Easing
26 Jan 2004 Landlords packing in beds for students
26 Jan 2004 Million-dollar sale tipped
26 Jan 2004 Rentals hard to come by
26 Jan 2004 Asteron to enter mortgage market
26 Jan 2004 Tasman may face rates hike
26 Jan 2004 Mortgage Link become broker controlled
23 Jan 2004 Sovereign boys back in town
22 Jan 2004 Asteron's new management team
22 Jan 2004 TOWER's QuickStart 2004
22 Jan 2004 Housing cycle on a plateau
22 Jan 2004 Major makeover proposed for Life Insurance Act
21 Jan 2004 TOWER's QuickStart 2004
21 Jan 2004 Another new asset management firm
20 Jan 2004 Market timing: Implications for investors Down Under
20 Jan 2004 Gribben to head up AMP alternative asset business
20 Jan 2004 Bridgecorp rated
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.
2 days 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.
2 days 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.
4 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…
4 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