GoodReturns
Archive - 2004
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October 2004
04 Oct 2004 Tenants tough on state houses
04 Oct 2004 Select your own rate home loan
04 Oct 2004 ING and Urbus look to merge
04 Oct 2004 Mount Maunganui holiday home goes for $4 million
04 Oct 2004 Retirement operator rides high on demographics
04 Oct 2004 Average homebuilding cost hits $1021/m² as August consent number slips
04 Oct 2004 Prices, sales slowing
04 Oct 2004 Housing consents fall in August
04 Oct 2004 Bear market risk greater, says broker
04 Oct 2004 Building drop fuels fears for economy
04 Oct 2004 News Round Up
01 Oct 2004 October 2004
01 Oct 2004 ASB Bank popular with civil servants
September 2004
30 Sep 2004 How To Buy An Apartment
30 Sep 2004 Tim Gibson: Age will, indeed, weary us
30 Sep 2004 Accor to build new Ibis hotel in Rotorua
30 Sep 2004 Lifestylers to get rates relief
30 Sep 2004 Owners spend up housing equity
30 Sep 2004 Tenant accused of subletting state house for $400 a night
30 Sep 2004 Warnings about investment practices
30 Sep 2004 NZMBA complains about BNZ campaign
30 Sep 2004 NZMBA complains about BNZ campaign
30 Sep 2004 Bruynel joins BNZIM
29 Sep 2004 National hints at keeping NZ Superannuation Fund
29 Sep 2004 The parties super policies
29 Sep 2004 National hints at keeping NZ Superannuation Fund
28 Sep 2004 Rates to peak soon says bank
28 Sep 2004 Kiwi gets Sylvia Park consent
28 Sep 2004 NZX flighty on option trading
28 Sep 2004 Average weekly income on the rise in June quarter
28 Sep 2004 Home Loan Rate Weekly Report
28 Sep 2004 New adviser in Christchurch
28 Sep 2004 Workplace Savings –Hitting the headlines and hidden in the detail
28 Sep 2004 News Round Up
27 Sep 2004 Developers woo locals over new-concept seaside town
27 Sep 2004 All is fair in love and law
27 Sep 2004 Shares beat property: FundSource
27 Sep 2004 Nostalgia for 50s just dreaming
27 Sep 2004 Hard job, shopping for shops
27 Sep 2004 Property problems: Forestry right can separate land from trees
27 Sep 2004 Mastertrusts take return out of risk and return
27 Sep 2004 Commission critical of some finance companies
27 Sep 2004 Third buyer emerges for Finance Centre
27 Sep 2004 Cut-price homes planned for low-paid British workers
27 Sep 2004 Commission critical of some finance companies
27 Sep 2004 New boss aims high for Pioneer
27 Sep 2004 Home loan rate weekly report
27 Sep 2004 Shares beat property: FundSource
26 Sep 2004 Economy still too hot for bank
26 Sep 2004 Inland Revenue's tax avoidance draft welcomed
26 Sep 2004 Canterbury's rural market still hot
26 Sep 2004 Access clients sent refund forms
26 Sep 2004 Economy grows 0.9% in June quarter
26 Sep 2004 Lawyers hammer Building Authority over leaky homes
26 Sep 2004 Pioneer Launches A First For NZ
26 Sep 2004 Consultation on tax changes for NZ-based trusts
26 Sep 2004 Immigration declines
26 Sep 2004 Australia's Ronin Property jumps on takeover talk
26 Sep 2004 Sale of TTP's finance centre to St Laurence falls through
26 Sep 2004 Residents fail in bid to impose liquor ban
26 Sep 2004 Last chance for HNZ tenants
26 Sep 2004 Digs for homeless
26 Sep 2004 Housing project rescue bid stalls
26 Sep 2004 Flood cash boost no rates-saver
26 Sep 2004 Two more Guardians on board
24 Sep 2004 Most of Westpac's changes accepted
24 Sep 2004 GSF looks to international property
23 Sep 2004 GSF looks to international property
23 Sep 2004 New GM for AMP Property Portfolio
23 Sep 2004 Savings report scepticism
23 Sep 2004 Tower looking for CEO
23 Sep 2004 Savings report scepticism
22 Sep 2004 Interest rate hikes to hit hard in a year's time
22 Sep 2004 ING roadshow
22 Sep 2004 Interest rate hikes to hit hard in a year's time
22 Sep 2004 Australia to copy NZ Super Fund idea
22 Sep 2004 Taking a fixed interest position
22 Sep 2004 Growing pressure to protect heritage buildings
22 Sep 2004 Website petition favours retaining reserve baches
22 Sep 2004 On the land: how good is the good life?
22 Sep 2004 Long-term fixed interest rates rise
22 Sep 2004 Rural property boom reflected in NZ
22 Sep 2004 NZ's Urbus Properties, ING Property Trust Mull Merger
22 Sep 2004 Instant Finance investment grade: Rapid Ratings
21 Sep 2004 Instant Finance "investment grade": Rapid Ratings
21 Sep 2004 ING roadshow
21 Sep 2004 Straightforward solution to superannuation tax problem
21 Sep 2004 Life insurance premiums grow 5%
21 Sep 2004 Marathon tackles the three bears
21 Sep 2004 Strategic profit up
20 Sep 2004 Short-term home loan rates a rising
20 Sep 2004 Adviserlink Investments & Risk Management
20 Sep 2004 ING roadshow
20 Sep 2004 Women in Super supports workplace savings initiative
20 Sep 2004 Rate rises hurt home buyers starting out, says broker
20 Sep 2004 An escape route for the professional poor
20 Sep 2004 Housing figures paint a mixed picture
20 Sep 2004 $20m to be spent on giant cinemas
20 Sep 2004 Panmure's new K Rd
20 Sep 2004 BNZ ups floating rate, advises customers to fix loans
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".
5 days ago Paul Flood