GoodReturns
Archive - 2003
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October 2003
12 Oct 2003 A new twist
11 Oct 2003 Cost of housing hits job market
11 Oct 2003 Warning of big rise in council user charges next year
11 Oct 2003 Rent Tendering Legality Questioned
11 Oct 2003 Don't Blame Property!
11 Oct 2003 Who's Smiling Now?
11 Oct 2003 Housing boom to boom on despite dip in confidence
11 Oct 2003 Study reveals causes of Auckland housing boom
11 Oct 2003 House valuation costs tipped to rise
10 Oct 2003 Share markets - where to from here?
10 Oct 2003 Bigger, brighter and better
10 Oct 2003 Lumley Life sold - finally
09 Oct 2003 NZ Structured Credit Forum
09 Oct 2003 Deposit guarantee companies test NZ market
09 Oct 2003 Risk free rate proposal may progress
09 Oct 2003 Deposit guarantee companies test NZ market
09 Oct 2003 New credit laws offer protection for borrowers
09 Oct 2003 Tenants forced to bid for rent
08 Oct 2003 Adviserlink Risk
08 Oct 2003 Lack of houses hikes Auckland prices
08 Oct 2003 Crocker backs apartment law change
08 Oct 2003 Mortgages easier in the upper North Island
08 Oct 2003 World's eyes turn to NZ real estate
08 Oct 2003 Fall in floating mortgage rates brings affordable homes
08 Oct 2003 Home affordability plummets in Nelson
08 Oct 2003 The Great Debate
08 Oct 2003 Profit reported by Public Trust
07 Oct 2003 Brash isn't proposing big super changes
07 Oct 2003 Success Forum Australia 2003
07 Oct 2003 Online lodgement looms
07 Oct 2003 Spicers marketing man
07 Oct 2003 Brash isn't proposing big super changes
06 Oct 2003 Adviserlink Fundamentals & Processes
06 Oct 2003 Adviserlink Investments
06 Oct 2003 Adviserlink Introduction to Financial Planning
06 Oct 2003 Housing scheme 'anti-competitive'
06 Oct 2003 Investors squeeze out first home buyers
06 Oct 2003 How to Manage the Most Important Risks of Investing
06 Oct 2003 News Round Up
04 Oct 2003 Pair liable after flatmate's alleged drug-fuelled rages
04 Oct 2003 House for rent
04 Oct 2003 Building boom puts strain on workforce
04 Oct 2003 Mackenzie values rocket up
04 Oct 2003 Growing taste for city living
03 Oct 2003 Currency direction a key to next year's election results?
03 Oct 2003 GSF winds back intl share exposure
02 Oct 2003 GSF back in black
02 Oct 2003 Gotta have beta to do better
01 Oct 2003 Non-conforming market worth up to $1 billion: Bluestone
01 Oct 2003 Russell adds to team
01 Oct 2003 Shutting door to brothels
01 Oct 2003 Mt Wellington quarry centre of next housing boom
01 Oct 2003 Investors Warned Over CDOs
01 Oct 2003 Housing consents hit a high
September 2003
30 Sep 2003 AMP to manage Tower's SRI funds
30 Sep 2003 Housing consents hit a high
30 Sep 2003 Russell sounds CDO warning
30 Sep 2003 New rules add to DIY cost
30 Sep 2003 Boom time for New Brighton
30 Sep 2003 Boom in house-building strongest since 1970s
29 Sep 2003 Adviserlink Fundamentals & Processes
29 Sep 2003 Adviserlink Practice Management
29 Sep 2003 News Round Up
28 Sep 2003 New mag for property investors
28 Sep 2003 Cheap houses becoming scarce
28 Sep 2003 Home buyers form queue for best school zones
28 Sep 2003 Reserve Bank must stop muscular kiwi going for broke
28 Sep 2003 Aggressive banks drive housing boom
28 Sep 2003 Splitting the profits
28 Sep 2003 Interest rate trends
28 Sep 2003 Holes In The Sales (Australia)
28 Sep 2003 The Wrapping Debate (Australia)
28 Sep 2003 Muriwai property prices out-soaring the gannets
28 Sep 2003 Case study 2: $380,000 buys a foot on the property ladder
28 Sep 2003 Table: Changes in house prices
28 Sep 2003 Case study 1: Unloved home fetches $1 million
28 Sep 2003 Jumping on the runaway real estate bandwagon
28 Sep 2003 Home building, household spending strong
28 Sep 2003 Housing bonanza biggest in 20 years
28 Sep 2003 Property problems: How to tackle spiralling body corporate costs
26 Sep 2003 Two new Tower board members
26 Sep 2003 Things are never boring with Doug around
26 Sep 2003 Metropolis investors consider legal action
25 Sep 2003 Tower new appointments
25 Sep 2003 Quality not quantity
25 Sep 2003 Strength, stability and service
25 Sep 2003 NZ brokers costing banks
25 Sep 2003 IRD defends trust tax changes
24 Sep 2003 Rashbrooke may haunt Government
24 Sep 2003 Rashbrooke may haunt Government
24 Sep 2003 NZSF doesn't mind paying tax
24 Sep 2003 Tax change could snare homes in family trusts
24 Sep 2003 Houses still selling quickly
24 Sep 2003 Law change will help landlords
24 Sep 2003 Mortgage scheme draws hundreds of hopeful buyers
24 Sep 2003 Call for interest rate cut
24 Sep 2003 Local housing price rises ease
23 Sep 2003 It's not a question of style
22 Sep 2003 Houses still selling quickly
22 Sep 2003 Fund appoints first international managers
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.
21 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.
23 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