GoodReturns
Archive - 2003
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September 2003
22 Sep 2003 Fund appoints first international managers
22 Sep 2003 Adviserlink Business Financial Services
22 Sep 2003 Gloomier view of growth rates
22 Sep 2003 NZ's Urbus Sells 3 Wellington Office Blocks for NZ$23.4M
22 Sep 2003 Mortgage Interest correction - Mary Holm
22 Sep 2003 Rumblings over Eastern Corridor
22 Sep 2003 Aussie sceptic speaks about scams
22 Sep 2003 Holiday homes big earners for Taupo
21 Sep 2003 Another good month for funds
21 Sep 2003 News Round Up
21 Sep 2003 Landslip threatens Raglan properties
21 Sep 2003 Syndication allows investment in 'trophy' properties
21 Sep 2003 Property problems: Tenant may have to keep shop open longer
21 Sep 2003 Shortage of affordable housing takes toll
19 Sep 2003 FPIA disappointed with mortgage brokers
19 Sep 2003 Courtship unwanted
18 Sep 2003 INGsurance coming...soon
18 Sep 2003 Grimes new chair at RBNZ
18 Sep 2003 ASFONZ Education Programme - Module 2
18 Sep 2003 NZMBA wants to go alone
17 Sep 2003 Skingsley appointed chief manager ASB Bank Investments
17 Sep 2003 ING Roadshow
17 Sep 2003 Rogue tenants spur landlord to call for stricter rent laws
17 Sep 2003 Demand booms at seaside
17 Sep 2003 Mortgage brokers to go alone
16 Sep 2003 Kiwibank's half billion mortgage book
16 Sep 2003 ING Roadshow
16 Sep 2003 ASFONZ Education Programme - Module 2
16 Sep 2003 Feeling Wealthy? Be Wary
16 Sep 2003 Select your retirement age
16 Sep 2003 Political solution to fund manager problems
15 Sep 2003 ING Roadshow
15 Sep 2003 Adviserlink Fundamentals & Processes
15 Sep 2003 Adviserlink Practice Management
15 Sep 2003 Top broker honoured
15 Sep 2003 Housing boom: blame the new neighbours
15 Sep 2003 News Round Up
14 Sep 2003 Expect a pitch, and watch the promises
14 Sep 2003 New heights
14 Sep 2003 For best results, take a combination approach when selling
14 Sep 2003 Hot property - handle with care
14 Sep 2003 Building boom thunders on
14 Sep 2003 Family wins landlord's apology
11 Sep 2003 Guardians pick first two managers
11 Sep 2003 Pero calls for industry ad campaign
11 Sep 2003 Value, growth or both?
11 Sep 2003 Delivering the Keys to Success
11 Sep 2003 Guardians pick first two managers
11 Sep 2003 National says yes but won't sign
10 Sep 2003 Adviserlink Risk
10 Sep 2003 ASFONZ Education Programme - Module 2
09 Sep 2003 Guardians aim for centre of excellence
09 Sep 2003 National says yes to super but won't sign up
09 Sep 2003 Mortgage Link rebrands
09 Sep 2003 Language school closure 'warning' to landlords
09 Sep 2003 Large apartment blocks at risk
09 Sep 2003 House buyers warned of price fall
09 Sep 2003 Guardians aim for centre of excellence
09 Sep 2003 Planning for Property Success
09 Sep 2003 Property Vendors In Box Seat
09 Sep 2003 Land boom puts heat on buyers
09 Sep 2003 Shortage driving house prices up
09 Sep 2003 Building stats show no ease in construction boom
08 Sep 2003 Aberdeen buys Edinburgh
08 Sep 2003 Top brokers
08 Sep 2003 Adviserlink Investments
08 Sep 2003 Adviserlink Business Financial Services
08 Sep 2003 Who wants to be the boss?
08 Sep 2003 News Round Up
06 Sep 2003 All about mortgage brokers
05 Sep 2003 Talk to your lawyer
05 Sep 2003 Banker warns on home boom
05 Sep 2003 Brokerage on new capital protected fund
04 Sep 2003 Market Review: Is a day of reckoning coming for the US Dollar?
04 Sep 2003 Future rate cuts unlikely
04 Sep 2003 AMP expands trauma cover
04 Sep 2003 OCR unchanged
04 Sep 2003 NZRPT harvests good surplus
03 Sep 2003 Bevan Graham joins Alliance
03 Sep 2003 Interstar sold to Packers
03 Sep 2003 Adviserlink Risk
03 Sep 2003 When Emotions Steer Investment
03 Sep 2003 Money Managers launches finance company
02 Sep 2003 Rate cut unlikely
02 Sep 2003 Hasting Income Trust Roadshow`
02 Sep 2003 Hasting Income Trust Roadshow
01 Sep 2003 FPIA gets into education
01 Sep 2003 Morningstar appoints new research head
01 Sep 2003 Hasting Income Trust Roadshow
01 Sep 2003 NZSF responds to United Future
01 Sep 2003 Adviserlink Investments
01 Sep 2003 Adviserlink Fundamentals & Processes
01 Sep 2003 Rent for fun, buy for the future family - Mary Holm
01 Sep 2003 Funny housing consents number
01 Sep 2003 Steady as she goes on interest rates
01 Sep 2003 $1 billion record for 'quiet' housing month
01 Sep 2003 News Round Up
01 Sep 2003 Funny housing consents number
August 2003
28 Aug 2003 Workplace super changes more complicated
28 Aug 2003 Workplace super changes more complicated
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.
15 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.
17 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