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Pathfinder Asset Management

Pathfinder is an independent boutique fund manager based in Auckland. We value transparency, social responsibility and aligning interests with our investors. We are also advocates of reducing the complexity of investment products for NZ investors.

www.pfam.co.nz

A survival guide for financial adviser licensing

Tuesday, November 21st, 6:14AM

All financial advisory businesses will begin a mandatory licensing process, but do not fear, the FMA comes in peace, John Berry says. In the first of two-part commentary he shares his views on what to expect and how to prepare for change.

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Should lawyers give financial advice?

Thursday, October 19th, 6:37AM

Since the Financial Advisers Act (FAA) came into force there has been some angst over exemptions for other professions – such as lawyers and accountants.  Are financial advisers right to be concerned that lawyers and accountants can hand out financial advice? Are there any restrictions on them?

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Responsible investing: Is there a cost?

Friday, September 8th, 9:09AM

The most popular argument used by investors that are resistant to the concept of responsible investing is that “returns are lower, it will cost me money”. Well, times have changed.

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Investing responsibly: passing the tipping point

Tuesday, August 8th, 9:11AM

Do you believe that well governed companies have better long-term prospects than their competition? If you do, then you have already taken the first small step to aligning yourself with a more sophisticated approach to responsible investing (RI).

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Can experts predict market turning points?

Thursday, July 13th, 9:00AM

“Buy low, sell high” sounds like a wildly simple and effective investment strategy. But it requires an investor to know when is a good time to buy, and how to time the even harder decision to sell. Can investors predict and profit from turning points in markets? Can experts help with this decision making?

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Match racing: NZ PIE funds vs US ETFs

Tuesday, June 13th, 8:12AM

Some commentators point to the low fee structures of US ETFs and question why an investor or adviser would even consider NZ managed fund solutions. The purpose of this article is to provide a “real life” comparison of a PIE fund against US equity ETFs with similar exposure. Is one structure better?

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Socially responsible investing (Part 4): Growing pineapples in Alaska

Monday, May 22nd, 9:00AM

This month’s commentary looks at change – how consumer values are changing, how businesses are impacted and how advisers can respond.  The adviser response may involve new socially responsible product and this commentary also considers whether there is a risk of “greenwashing” when it comes to financial products.

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Socially responsible investing (Part 3): returns, fees and investment options

Thursday, April 20th, 10:02AM

In this month’s commentary, Pathfinder looks at real world implications of responsible investment (RI).  Are RI returns better, worse or no different than market returns?  What investment options are available within NZ and from offshore?

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Responsible Investing Part Two: implications for everyone in financial markets

Monday, March 27th, 6:01AM

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Socially responsible investing (SRI) - Part One: the thinking behind SRI

Wednesday, February 8th, 1:49PM

In this 3-part commentary John Berry will overview socially responsible investing.  Part One looks at what it is and how it’s evolving.

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Performance fee update – lesson for NZ

Friday, November 25th, 6:51AM

Pathfinder wrote a series of four articles through 2015 on performance fees which were published here on Good Returns.  Off the back of these articles Pathfinder was asked to help Reuters Thomson in Europe with a piece on Italian performance fees.  John Berry believes the findings of that work provide an important lesson for New Zealand financial advisers and the Financial Markets Authority.

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Client best interests: Part Two

Monday, October 3rd, 6:01AM

Last month’s commentary on the Code of Conduct obligation to put “client interests first” generated a great deal of discussion.  In this follow up John Berry takes the debate a step further and asks some fundamental questions about what consumers expect, if better disclosure can help and whether a “best interests” standard is impossible to meet.  This is the second instalment of a 3-part commentary.

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Latest Comments
  • FMA pushes net returns over fees debate
    “Brent, You have said in the past you think that large pension funds are the best at investment decision-making. So...”
    7 hours ago by doomben
  • FMA pushes net returns over fees debate
    “I definitely agree with Brent here, and to quote one of my Morningstar colleagues believe the data "presents a false relationship...”
    8 hours ago by cdouglas
  • FMA pushes net returns over fees debate
    “Net performance over a short period of 10 years will throw up all sorts of nonsensical results. It does reinforce a chase...”
    12 hours ago by Steven Popodopolus
  • Stop filling out forms for clients: IFSO
    “Totally agree and especially applies to health declarations, as well as financial statements. Advisers can never presume...”
    13 hours ago by Referee
  • FMA pushes net returns over fees debate
    “Hi Doomben It seems silly to me for the following reasons: Firstly, your “burn client money” example is a classic...”
    13 hours ago by Brent Sheather
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Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
ANZ 5.79 ▼4.95 ▼5.15 5.49
ANZ Special - ▼4.45 ▼4.65 4.99
ASB Bank 5.80 4.75 4.99 5.29
ASB Bank Special - 4.39 4.69 4.99
BNZ - Mortgage One 6.50 - - -
BNZ - Rapid Repay 5.95 - - -
BNZ - Special - 4.59 4.69 4.99
BNZ - Std, FlyBuys 5.90 4.99 5.29 5.59
BNZ - TotalMoney 5.90 - - -
Credit Union Auckland 6.70 - - -
Credit Union Baywide 6.15 5.45 5.50 -
Lender Flt 1yr 2yr 3yr
Credit Union North 6.45 - - -
Credit Union South 6.45 - - -
Finance Direct - - - -
First Credit Union 5.85 - - -
Heartland 6.70 7.00 7.25 7.85
Heartland Bank - Online - - - -
Heretaunga Building Society 5.75 5.00 5.20 -
Housing NZ Corp 5.79 4.75 4.99 5.29
HSBC Premier 5.79 4.19 4.29 4.89
HSBC Premier LVR > 80% - - - -
HSBC Special - - - -
Lender Flt 1yr 2yr 3yr
ICBC 5.80 4.59 4.69 5.09
Kiwibank 5.80 4.95 5.15 5.49
Kiwibank - Capped - - - -
Kiwibank - Offset 5.80 - - -
Kiwibank Special - 4.55 4.65 4.99
Liberty 5.69 - - -
Napier Building Society - - - -
Nelson Building Society 6.10 5.10 5.45 -
Resimac 5.30 4.86 4.94 5.30
RESIMAC Special 5.00 - 4.75 -
SBS Bank 5.89 4.99 5.19 5.49
Lender Flt 1yr 2yr 3yr
SBS Bank Special - 4.59 4.69 4.99
Sovereign 5.90 4.75 4.99 5.29
Sovereign Special - 4.39 4.69 4.99
The Co-operative Bank - Owner Occ 5.75 4.55 4.69 4.99
The Co-operative Bank - Standard 5.75 5.05 5.19 5.49
TSB Bank 5.80 4.80 5.15 5.45
TSB Special - 4.55 4.69 4.79
Wairarapa Building Society 5.70 4.85 4.99 -
Westpac 5.95 4.99 5.19 5.44
Westpac - Capped rates - 5.26 5.36 -
Westpac - Offset 5.95 - - -
Lender Flt 1yr 2yr 3yr
Westpac Special - 4.59 4.69 4.94
Median 5.82 4.78 4.99 5.29

Last updated: 15 November 2017 9:40am

News Quiz

The maximum remuneration model for Australian life insurance advisers is to be set at what?

Upfront 40% + trail 20%

Upfront 50% + trail 10%

Upfront 50% + trail 20%

Upfront 60% + trail 10%

Upfront 60% + trail 20%

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