GoodReturns
Archive - 2005
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August 2005
31 Aug 2005 Pacific Retail picks its preferred bidder
31 Aug 2005 St Laurence investor briefings
31 Aug 2005 BNZ market share up - slightly
31 Aug 2005 Current industry bodies not necessarily future regulators
30 Aug 2005 Inaugural Australasian Investment Fiduciary conference
30 Aug 2005 St Laurence investor briefings
30 Aug 2005 Changes to BT's distribution team
30 Aug 2005 KiwiSaver gets big thumbs-up
30 Aug 2005 KiwiSaver gets big thumbs-up
29 Aug 2005 St Laurence investor briefings
29 Aug 2005 Commission changes help non-bank lender
26 Aug 2005 New programme to help AXA's growth
26 Aug 2005 Regional Highlights – July
26 Aug 2005 Are retail funds really dead?
26 Aug 2005 McCrea joins Money Managers
25 Aug 2005 ING Life increases YRT commission options
25 Aug 2005 General Finance takes on Sovereign
25 Aug 2005 McCrea joins Money Managers
25 Aug 2005 September - Mortgage smorgasbord
25 Aug 2005 September - Mortgage smorgasbord
25 Aug 2005 ASFONZ / Women in Super Industry Breakfast
25 Aug 2005 Finance company Lombard to list
24 Aug 2005 Tough money laundering rules proposed
24 Aug 2005 Govt may help super schemes join KiwiSaver
23 Aug 2005 Successful Online Advertising conference
23 Aug 2005 House Prices Spell More Trouble For NZ
23 Aug 2005 Playing the mortgage game
23 Aug 2005 Buy now or wait? That's the puzzle
23 Aug 2005 Kiwibank lending $500,000 with few questions asked
23 Aug 2005 Is your mortgage working for you?
23 Aug 2005 Beware the high interest lure
23 Aug 2005 Cullen rules out any new property tax
23 Aug 2005 Testing the herd mentality
23 Aug 2005 Survey shows different financial personalities
23 Aug 2005 Survey shows most NZers rate poorly as financial planners
23 Aug 2005 Labour plans help for first-home buyers
23 Aug 2005 Christchurch rail may force private land sale
23 Aug 2005 Wrong people becoming real estate agents
23 Aug 2005 Smart Hart shows how to walk on water
23 Aug 2005 No payout from TTP as earnings tumble
23 Aug 2005 Midwinter chill on house prices
23 Aug 2005 Farm and house sales help region in economic report
23 Aug 2005 Erosion threatens coastal land
23 Aug 2005 New idea for high-rise site
23 Aug 2005 Albany centre awaits its fate
23 Aug 2005 Clash of plans for Richmond land
23 Aug 2005 Residents fuming at bar plan
23 Aug 2005 Subsidies offer sewerage hope
23 Aug 2005 Historical land could be for sale
23 Aug 2005 Top Bay farm sells for $20m
23 Aug 2005 Home build costs hit a new high
23 Aug 2005 Banks changes encouraging growth on non-bankmarket
23 Aug 2005 Upgrade for three suburban centres
23 Aug 2005 Pero shares fall on commission news
23 Aug 2005 Pero looking at changing franchise model
23 Aug 2005 First-time home buyers face uphill battle in Whangarei
23 Aug 2005 No evidence of subsidence damage
23 Aug 2005 First step for new Maraenui
23 Aug 2005 Housing seen as threat to coastline
23 Aug 2005 Tower wraps up its platform business
22 Aug 2005 Adviserlink Practice Management
22 Aug 2005 Manawatu big on yields
22 Aug 2005 ‘Too soon to tell effect of migration drop’
22 Aug 2005 Kiwibank sees its product with competitors
22 Aug 2005 News Round Up
19 Aug 2005 Changes at AMP Risk Markets
19 Aug 2005 Sovereign and AMP trumpet growth
19 Aug 2005 Govt may make money from tax changes
19 Aug 2005 Cullen v Key - Round One
18 Aug 2005 TOWER - GAM presentation
18 Aug 2005 Advising on Risk and Insurance
18 Aug 2005 Prefu release date
18 Aug 2005 Australia and NZ housing cycles related
18 Aug 2005 Managed fund returns continue strong run
18 Aug 2005 Market catches breath over winter
18 Aug 2005 S&P cautious on NZ life insurance market
18 Aug 2005 Cullen and Key debate tax changes
17 Aug 2005 TOWER - GAM presentation
17 Aug 2005 FPIA Auckland branch luncheon
17 Aug 2005 Positive outlook for hedge funds
17 Aug 2005 Banks changes encouraging growth on non-bankmarket
16 Aug 2005 TOWER - GAM presentation
16 Aug 2005 KiwiSaver and advisers don't equal much
15 Aug 2005 Pero looking at changing franchise model
15 Aug 2005 News Round Up
12 Aug 2005 Hedging returns investors 14.5% more
12 Aug 2005 NZ Finance expects 50% return on investment
12 Aug 2005 Liontamer chases BT money
11 Aug 2005 Tower revamping workplace super business
11 Aug 2005 Some explaination please Olaf
11 Aug 2005 Tower group super appointments
11 Aug 2005 Online savings accounts prove popular
11 Aug 2005 NZ Funds says not us
10 Aug 2005 August Issue of the NZ Property Magazine
10 Aug 2005 ANZ changes commission payments
10 Aug 2005 Fear can blight investment
10 Aug 2005 Sparky flicks wealth switch - Mary Holm
10 Aug 2005 Aussie ANZ chases 'low doc' mortgage market
10 Aug 2005 ASB Housing Confidence Survey
10 Aug 2005 Housing market slowing, another surge unlikely
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.
1 day 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.
1 day 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.
3 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…
3 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