GoodReturns
Archive - 2025
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October 2025
14 Oct 2025 FMA appoints new economist a year after last one left
14 Oct 2025 First home buyers take advantage of soft housing market
13 Oct 2025 NZ sharemarket starts week down 0.8%
13 Oct 2025 What's holding back first home buyers?
13 Oct 2025 What's the true value of financial advice?
13 Oct 2025 First home buyers stumbling at the own psychological hurdles
13 Oct 2025 Co-payment decision wasn’t made lightly, nib CEO says
11 Oct 2025 Chubb Life appoints new South Island BDM
10 Oct 2025 NZ stocks retreat from record high, down 0.7%
10 Oct 2025 New mortgage loan terms again yo-yoing
10 Oct 2025 5% is the magic savings number
10 Oct 2025 New mortgage loan terms again yo-yoing
09 Oct 2025 Ryman lifts as NZ sharemarket ends flat after rate‑cut rally fades
09 Oct 2025 Adviser to Adviser advice: Managing those damn emails
09 Oct 2025 Why this ex-insurer leads with health, not life
09 Oct 2025 New rules for meth contaminated houses
09 Oct 2025 FMT legend moves on
09 Oct 2025 More OCR cuts likely; Advisers react to Westpac's trail plans
09 Oct 2025 Not the end of OCR cuts
09 Oct 2025 FANZ to offer AI training for advisers
08 Oct 2025 Reserve Bank of NZ's rate cut lifts sharemarket as high‑yield stocks climb
08 Oct 2025 OCR Cut: What economists said
08 Oct 2025 OCR down 50 points: What the RBNZ said
08 Oct 2025 [BREAKING NEWS] OCR cut to 2.5%
08 Oct 2025 Westpac decision “a bit of a tragedy” - adviser
08 Oct 2025 Decisions on DTIs and LVRs to be in the hands of new RBNZ committee
07 Oct 2025 NZ sharemarket up 0.3% despite business confidence drop
07 Oct 2025 ASB to settle class action for more than $135 million
07 Oct 2025 Adviser jailed over theft charges
06 Oct 2025 Southern Cross Health Society fills a vacancy on its board
06 Oct 2025 NZX awaits Wednesday's Official Cash Rate call
06 Oct 2025 Property investors activity back at old levels
06 Oct 2025 Investors well and truly back in the market
05 Oct 2025 The wedge edge for businesses and trusts
05 Oct 2025 10 years; $10 billion
04 Oct 2025 [Your weekend TMM read] Navigating the future of mortgage advice
04 Oct 2025 Navigating the Future of Mortgage Advice
03 Oct 2025 Leaders, property sector helps drive NZ stocks higher
03 Oct 2025 [BREAKING News] Westpac in negotiations to change adviser remuneration
03 Oct 2025 Westpac looks to can trail commissions
03 Oct 2025 How low will they go?
03 Oct 2025 How bold will the RBNZ be?
02 Oct 2025 Ryman extends rally to help NZX 50 continue gains
02 Oct 2025 FNZ Asia Pacific gets new chairman
02 Oct 2025 Regulation, competition and credit landscape to be centre stage next month
01 Oct 2025 Medical insurance with guaranteed policy wording: the only suitable option?
01 Oct 2025 Government energy reforms spark NZX rally, Meridian leads gentailer gains
01 Oct 2025 Wealth management firm enters its own retirement
01 Oct 2025 AIA appoints new chief underwriter
September 2025
30 Sep 2025 KFC-owner Restaurant Brands soars as NZX 50 locks in 1.22% gain
30 Sep 2025 nib drops bombshell changes to policies
30 Sep 2025 More claims, more often - Southern Cross releases results
30 Sep 2025 NZ sharemarket lifts as Synlait result piques interest
29 Sep 2025 Newcomer appoints head of sales
29 Sep 2025 Fewer borrowers switching lenders
29 Sep 2025 Switching lenders drops back
28 Sep 2025 Twists and turns in FNZ court case
26 Sep 2025 Hallenstein stars as NZ stocks drift lower
25 Sep 2025 First Parent Boost insurance product launched
25 Sep 2025 NZ sharemarket falls despite positive Fonterra result
25 Sep 2025 Bad economic times require advisers to act
25 Sep 2025 Time for mortgage advisers to be more hands-on
24 Sep 2025 How can advisers can move beyond the blanket ban approach?
24 Sep 2025 Commercial property: Resilience, recovery, and opportunities ahead
24 Sep 2025 NZ sharemarket edges higher despite KMD Brands loss, new RBNZ Governor Anna Breman
24 Sep 2025 Ohh...look at this
23 Sep 2025 Familiar name takes over as Ando CEO
23 Sep 2025 FMA doesn't get what it wants
23 Sep 2025 Kiwi adviser shares take on US mega-conference
23 Sep 2025 NZX sits out tech rally, trades flat
23 Sep 2025 What CPD should should mortgage advisers do?
22 Sep 2025 Plugging the knowledge gap with CPD
22 Sep 2025 Retirement Commissioner to step down
22 Sep 2025 Ebos unwind pulls NZX 50 down 0.68%
22 Sep 2025 Another ex-AIA exec starts new advice business
19 Sep 2025 NZ stocks claw back lost ground to end up 0.8%
19 Sep 2025 Predictions for big OCR drop; FMT adds BDM
19 Sep 2025 How competitive is the KiwiSaver market?
18 Sep 2025 Predictions for big OCR drop next month
18 Sep 2025 NZ sharemarket drops after weak GDP data and US Fed rate cut
18 Sep 2025 JB steps back; Households financial position not good
18 Sep 2025 JB steps back at Squirrel
18 Sep 2025 Spending confidence low and likely to fall further
17 Sep 2025 Craigs picks up Hawkes Bay-based advisory firm
17 Sep 2025 Open banking planned for KiwiSaver
17 Sep 2025 NZ sharemarket closes flat as investors await US Federal Reserve interest rate decision
17 Sep 2025 What's the best mortgage rate strategy?
17 Sep 2025 Why some mortgage advisers say splitting is good when interest rates are low
17 Sep 2025 FMT adds Christchurch-based BDM
17 Sep 2025 Partners Life hikes premiums again
17 Sep 2025 Veteran adviser says Level 5 standard isn’t good enough
16 Sep 2025 NZX lifts 0.2% as markets wait for US Fed decision
16 Sep 2025 Firms and fundies urge Govt for modern slavery legislation
16 Sep 2025 Loan Market banks on AI; Non-bank BDM's on the move
16 Sep 2025 [GRTV] Demand for ethical advice set to grow
16 Sep 2025 Non-bank BDMs on the move
15 Sep 2025 Mint adds new equity analyst
15 Sep 2025 Insurtech company wins FSC Innovation of the Year Award
15 Sep 2025 AI central to Loan Market’s future business
15 Sep 2025 Opinion: How much trauma cover is enough?
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