GoodReturns
Archive - 2010
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September 2010
27 Sep 2010 News Round Up
26 Sep 2010 What's best? Renting or buying
26 Sep 2010 Marac cuts rates after boost from rating watch positive
25 Sep 2010 Bond repayments sped up in Canterbury
24 Sep 2010 [Weekly Wrap] Time running out for AFAs
24 Sep 2010 SCF woes sparked Hubbard complaint
24 Sep 2010 IFA Code Cracker Roadshow
24 Sep 2010 MMG advisers glad to be moving away from the brand
24 Sep 2010 Rates Round Up for Sept 22
23 Sep 2010 ING Life announces premium increase
23 Sep 2010 SCF trustee pays out $350m to bondholders
23 Sep 2010 Two years fixed the "sweet spot"
23 Sep 2010 Breakeven analysis - how it works
23 Sep 2010 Breaking even
23 Sep 2010 Two years fixed the “sweet spot”
23 Sep 2010 Are independent financial advisers doomed?
23 Sep 2010 IFA Code Cracker Roadshow
22 Sep 2010 Industry delighted with voluntary authorisation
22 Sep 2010 TOWER Health & Life makes two appointments
22 Sep 2010 ISI seeks feedback on improved Replacement Policy Advice
22 Sep 2010 Advisers have 38 days to make assessment reservations
22 Sep 2010 Voluntary authorisation allowed
22 Sep 2010 IFA Code Cracker Roadshow
22 Sep 2010 Minister approves the Code
21 Sep 2010 Near-status quo on RBNZ’s liquidity norms for NBDTs
21 Sep 2010 The question of opt-in authorisation still burns
21 Sep 2010 Will investors still buy Chch property?
21 Sep 2010 Roll Up. Roll Up. Get educated before it's too late
21 Sep 2010 IFA Code Cracker Roadshow
21 Sep 2010 ComCom's payment to ING investors unfair advisers say
21 Sep 2010 Ignore speculation about Chch property prices
20 Sep 2010 Two further Hubbard companies in statutory management
20 Sep 2010 News Round Up
20 Sep 2010 BNZ catches up with banks in 18mo term
20 Sep 2010 Ayres appointed as FDR manager
17 Sep 2010 Start thinking about product regulation: Mayhew
16 Sep 2010 New Kiwi bank due by February
16 Sep 2010 Floating rates unlikely to rise anytime soon
16 Sep 2010 Floating rates not moving anytime soon
16 Sep 2010 Floating mortgages on hold
16 Sep 2010 Market share stats show Fidelity Life does well
16 Sep 2010 TOWER moves all asset managers to Auckland
16 Sep 2010 OCR on hold
16 Sep 2010 OCR held as Canterbury quake takes toll
16 Sep 2010 PRESS RELEASE: OCR unchanged at 3%
16 Sep 2010 FINSIA annual dinner
16 Sep 2010 Commissioner’s role to be disestablished
16 Sep 2010 Canterbury landlords warned about excessive rent rises
15 Sep 2010 NAB exit leaves door open for AXA suitors
15 Sep 2010 Southern Cross surge in claims unsustainable
15 Sep 2010 Improvements to KiwiSaver regulation
15 Sep 2010 Tighter insurance stalling real estate market
14 Sep 2010 Super-regulator and securities law reforms go to Parliament
14 Sep 2010 How to earn up to 125bps more on call deposits?
14 Sep 2010 Ashburton: Offering a Kiwi slice of life
14 Sep 2010 August house sales slump to near 2008 trough
14 Sep 2010 REINZ residential highlights - August 2010
14 Sep 2010 Waikato Uni takes new path after course cancelled
14 Sep 2010 F&P Finance relying more on cheaper bank loans
14 Sep 2010 NZ Asset Management appoints principal and chairman
13 Sep 2010 ASB's home loan book shrinks
13 Sep 2010 ANZ names new chief
13 Sep 2010 Federated Farmers pushes for OCR to be kept on hold
13 Sep 2010 ANZ cuts longer-term deposit rates, Will Kiwibank follow?
12 Sep 2010 No OCR increase expected this week
12 Sep 2010 News Round Up
11 Sep 2010 Chch tenants still sweating the small stuff
10 Sep 2010 RTA changes will challenge landlords
10 Sep 2010 PAA National PI Roadshow
10 Sep 2010 [Weekly Wrap] A tad of industry realignment
10 Sep 2010 Commission consults on conditions for advisers
10 Sep 2010 FINSIA leadership series: Tax reform and wealth management
10 Sep 2010 Home handyman bargains selling in Wellington
10 Sep 2010 Auckland prices starting to stabilise
09 Sep 2010 Earthquake to rattle rates
09 Sep 2010 NAB's bid for AXA shot down
09 Sep 2010 Earthquake eliminates September OCR hike
09 Sep 2010 Loathed quotation software
09 Sep 2010 What to do with your South Canterbury money
09 Sep 2010 Spicers appoints two financial advisers
09 Sep 2010 AMP Capital rearranges investment team
09 Sep 2010 NZ Property Investor - September issue out now
09 Sep 2010 Market buoyed by rate cuts
08 Sep 2010 Dorchester appoints general manager, insurance and lending
08 Sep 2010 PAA National PI Roadshow
08 Sep 2010 PAA National PI Roadshow
08 Sep 2010 Interest in corporate debt reigniting
08 Sep 2010 Strategic wins $2.4m ruling against Henderson
08 Sep 2010 Women in Finance affair with Jenny Shipley
08 Sep 2010 Mercer floats new retirement product idea
08 Sep 2010 Buyers cautious as activity remains subdued
07 Sep 2010 KiwiSaver yet to prove its worth
07 Sep 2010 ISI says AON letter is not a problem
07 Sep 2010 Rental market squeezed after quake
07 Sep 2010 PAA National PI Roadshow
07 Sep 2010 PAA National PI Roadshow
07 Sep 2010 TrustPower mulls $100m retail bond offer
07 Sep 2010 English defends SCF bailout
07 Sep 2010 Earthquake eliminates chance of September OCR hike
07 Sep 2010 QFEs need regulatory assurance
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.
12 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.
14 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