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Articles tagged with 'Opinion'

Are trauma products still fit-for-purpose?

12 July 2024 - Steve Wright suggests it’s time to rethink trauma policies so they are more equitable rather providing wind fall gains to some policyholders.

[The Wrap] FNZ: A story which needs telling

27 June 2024 - FNZ has grown into true New Zealand fintech success story.  It's one not many people know about, but Good Returns is going to have a crack at telling it.

Observations from the FAP monitoring insights report

20 June 2024 - Steve Wright examines the FMA's FAP monitoring report and explains where FAPs and advisers need to lift their game.

[Opinion] Debate on funding cancer drugs good time to spread the word on health insurance

5 June 2024 - Funding cancer drugs – has there ever been a better time to demonstrate the value of health insurance?

A good week for advisers - except one

1 June 2024 - It’s arguably been a good week for financial advisers.

[Opinion] Trauma reinstatement/buyback advice to client must be accurate

30 May 2024 - Steve Wright says there are valuable lessons for advisers from a recent complaints ruling in Australia.

[Weekly Wrap] Money on the move

10 May 2024 - Two funds management empires fall, while a new one is built.

Op-ed: Cost of living issues open options for advisers

25 April 2024 - Encouraging business owners to seek financial advice is good business - for you and them.

[Opinion] Comedy of errors at the RBNZ

11 April 2024 - The development of the Reserve Bank's solvency standards for insurers makes the companies look better than they really are. 

[Opinion] Will RBNZ demand proof from Resolution on support for Asteron Life customers?

8 April 2024 - Resolution Life has said it will buy Asteron Life New Zealand from Australia-based Suncorp Group and the reported price tag is NZ$410 million.

Is the illusion of knowledge holding your business back?

29 March 2024 - Steve Wright asks: Is the illusion of knowledge holding your business back by preventing you from growing your skills as an adviser?

[OPINION] Recessionary times

14 March 2024 - It is not the best out there for many businesses and property sector people. Sales are down across the board, our clients’ confidence is falling, and there is a lot of uncertainty.

Our Goal: To Help You

7 March 2024 - One of our goals at Good Returns is to continuously evolve our news and comment so it can best help advisers. Here are some new features we are adding.

[OPINION] What I would like to see in 2024

9 December 2023 - The progress of the industry continued in 2023 and most events – at least in the local financial services industry played out much as expected. In the macro-sense, events such as the wars in Ukraine and the Middle East impacted the economy in NZ as it did everywhere.

[The Wrap] The danger in FMA focusing on “fair outcomes”

22 November 2023 - When Don Brash became the first central bank governor in the world to target a specific inflation outcome, then zero to 2%, he stumped the country with his message about how bad inflation was, often calling it “the thief in your pocket.”

[The Wrap] What's the future for Financial Advice NZ?

5 November 2023 - Financial Advice NZ is, arguably, about to enter into a period which will determine its future.

[OPINION] How to make 20% from commercial property

1 November 2023 - The great thing about commercial property is that there are a lot of ways to actively increase value.

[Opinion] Why did Southern Cross cancel an interview with its CEO?

1 November 2023 - More than a month ago, Southern Cross asked if I'd like to meet their chief executive, Nick Astwick when he was next in Wellington and a date was agreed: Friday, Oct 27.

[The Wrap] FSC should take a position on CoFI

23 September 2023 - It was curious to see the Financial Services Council is turning itself into a lobby group – last time it did that things didn’t go too well.

[OPINION] How the next Government can help tenants

19 September 2023 - We hear many ways each political party talks about the housing crisis, and their solutions to fix this. Adding a new tax and tougher RTA rules to rental property providers is obviously not the answer.

[The Wrap] NZers will be left exposed if CoFI is repealed

25 August 2023 - The National Party plans to get rid of CoFI if it wins this year’s election. I won’t mince my words. It’s an even dumber policy than what it proposes for KiwiSaver and will leave most New Zealanders unprotected if, and when, things go wrong in financial services.

[The Wrap] National's KiwiSaver policy is nuts

18 August 2023 - KiwiSaver is 16 years old and about to crack $100 billion in funds under management. Most people in the industry think it’s time for a refurb. But can you trust the politicians to get it right.

[OPINION] The country needs freedom from crazy council zoning laws

11 August 2023 - Over the past year or so, house prices in most parts of New Zealand have come back a bit, probably as a result of the relatively rapid rise in mortgage interest rates.

[The Wrap] Cagey Milford lifts dividends despite profit decline

4 August 2023 - Tracking down the financial statements of fund managers is straightforward for most local managers but with a few it can be tricky to identify the reporting entity.

[OPINION] Kiwi property vs Kiwi shares

12 July 2023 - When I was growing up in Malaysia, there really was only one way to get ahead.

[OPINION] When a Bill’s objective is vague, its provisions are rudderless

3 July 2023 - Parliament’s Environment Committee released its reports on the Natural and Built Environment (NBE) and Spatial Planning Bills last week.

Working out how long you will live

9 May 2023 - Russell Hutchinson and his team review life expectancy calculators and find there is an opportunity awaiting in this space.

Insurance advisers should expect above trends claims increases

3 May 2023 - A rare combination of factors probably means that 2023-24 will generate above trend levels of claims in several product categories.

[The Wrap] Welcome to the new world

16 March 2023 - After four years we have finally arrived in the new world of licensed financial advisers. Welcome.

[OPINION] What to do when you are not buying property

24 February 2023 - With credit tight, tax rules unfair, weather events happening far too often, and an election coming up, many investors are choosing to remain on the sidelines.

[The Wrap] FMA bares its teeth

27 January 2023 - This week we got a much better look at the "new FMA" and it's quite different to the old one.

[The Wrap] One good deal; One dud deal

19 August 2022 - In the space of a couple of days two big deals were done in financial services; one was good the other not so good. 

[OPINION] Property market, Labour Government and Reserve Bank: an adversarial and unconstructive relationship

2 August 2022 - By Matthew Gilligan - Managing Director  Gilligan Rowe + Associates It has been disappointing to watch the plethora of contradictory policies coming out of the Ardern government and the Reserve Bank (RB) over the past five years.

Will there be many advisers left in a year's time?

25 July 2022 - Here's a good question for advisers out there. What will the mortgage advice sector look in a year's time? If you read this story there are many,...

[The Wrap] The redemption of Moses

1 July 2022 - The passing of one of our first financial advisers, Roger Moses, has made me reflect on how much financial planning has changed over the past couple of decades.

[The Wrap] Is an advice crisis brewing?

27 May 2022 - It feels like a storm is brewing and a potential crisis is building, especially in the life insurance sector.

The new-client conveyor-belt is broken

25 May 2022 - There is a crisis developing in insurance and advisers can step up to fix the problem.

[The Wrap] Three things we learnt from the FMA Value for Money report

21 May 2022 - Here are three things we learnt from the Financial Markets Authority Value for Money report. While there is some good stuff in the report there are also things the industry should be worried about.

[OPINION] Top RI adviser speaks out on Nadia Lim furore

9 May 2022 - Rodger Spiller, who won Mindful Money's Best Ethical Financial Adviser, explains what the Nadia Lim/Simon Henry debacle means for investors and fund managers.

[OPINION] Who will buy KiwiWealth? And why it matters

25 March 2022 - Now the worst kept secret is out; that Kiwi Wealth is on the market, the question is who will buy the firm. But there are some other big questions too.

[The Wrap] The war in Ukraine throws responsible investing on its head

4 March 2022 - If responsible investing ever had a bigger problem then look no further than what is happening in Ukraine.

Has Consumer got it right on insurance and advisers?

4 February 2022 - Consumer has released its latest insurance provider satisfaction survey. Adviser Jon-Paul Hale reckons it has lots of speculation and opinion but little real substance.

[The Wrap] The year of the adviser

31 January 2022 - It's hard to believe we are nearly through the first month of 2022. Judging by the way the year has started financial advisers are going to be a busy bunch.

In defence of Magellan: Editor's Note

5 January 2022 - A stumble or two should not send a man to the gallows.

Did your client understand your advice?

5 January 2022 - Jon-Paul Hale says complying with Code Standard 4 is going to be a problem for advisers. Here's why.

[The Wrap] Is a big problem hatching?

31 December 2021 - One of those Christmas feel good emails landed in my inbox the other day which got me thinking.

[The Wrap] Big Year; Big Issues

23 December 2021 - Looking back over the year and the hundreds of stories Good Returns has published, there have been two clear themes, but there is one story which deserves more attention.

Mass media praise the value of advice

22 December 2021 - The media is usually critical of advisers, often citing high commissions as an obstacle to providing objective and good value advice. But recently, journalist...

Old school cold calls still make a difference

14 December 2021 - If it hadn’t been for a cold call, this claimant would have received a tiny fraction of their claim.

Vax chat hits a raw nerve - advisers can do better

30 November 2021 - It seems a recent article on Covid-19 and underwriting the unvaccinated hit a raw nerve with some readers, and the responses across the Good Returns site raised an eyebrow or two.

[The Wrap] Death and disease - and the jab

27 November 2021 - Two seemingly unrelated stories form the base for this week's Wrap.

Business mix is critical to good coverage

23 November 2021 - Recently I wrote about the protection gap – for advisers, the issue isn’t that consumers are generally choosing no cover, although undoubtedly a few fish slip the net.

Advisers key to closing the protection gap

11 November 2021 - The protection gap is the preferred name for the difference between what a client should have and what they actually own.

[The Wrap] Changes in the wind

5 November 2021 - Whether it was planned or an unintended consequence, regulation is forcing change in the financial advice sector. And vertical integration.

Covid puts pressure on premiums

2 November 2021 - Where is this Covid thing going to take us with health and life insurance?

Death by a thousand regulations

28 October 2021 - In Australia, thousands of financial advisers have left the sector after new regulations have forced qualified advisers to take new exams and follow highly detailed and prescriptive requirements.

The lives we could save

20 October 2021 - All the focus on Covid-19 has overshadowed the more mundane ways that hundreds of New Zealanders die each year.

[The Wrap] It's time to consider the impact of regulatory change

9 October 2021 - The past week has been a big one. Fisher Funds buys Aon KiwiSaver; Cigna sold; a Bitcoin fund rolls out and FNZ picks up Hatch. While there was lots to comment on comments from a departing bank CEO are a stark warning signal to the industry.

[The Wrap] Solving the KiwiSaver value for money equation

2 October 2021 - Sometimes when the regulator speaks it feels like a parent telling their children to tidy their room for the umpteenth time.

'Hole in one' cover and the design of insurance products

30 September 2021 - Apparently 'hole in one' insurance is a thing. I didn’t realise until I helped sponsor an event a little while back where the organisers were offering $1 million if you hit a hole in one.

Full licencing - what does it look like?

21 September 2021 - Now the dust from March is settling and advisers have got their heads around most of what is required, it's time to start pushing forward with getting full licensing done.

Key consultations to protect policyholders

14 September 2021 - If you care about protecting policyholders, you should look at the current consultations being run by the Reserve Bank of New Zealand (RBNZ) and Advertising Standards Authority (ASA).

[The Wrap] Building a bigger moat around advice businesses

12 September 2021 - What will financial advice firms look like in the future? Philip Macalister offers some thoughts.

Death by 10,000 paper cuts

7 September 2021 - The advice industry is undergoing much change, and you could be forgiven if you hadn't noticed what's happening to our brethren - mortgage advisers.

Taking care of your team in lockdown

31 August 2021 - With a team of 10, seven full-time plus three part-time, we are now spread across our homes instead of having a nice central hub in which to gather.

[The Wrap] Who's tougher? FMA or ASIC

29 August 2021 - Regulators on both sides of the Tasman dealt with similar cases recently but produced vastly different outcomes.

Policy Servicing: What to do now and how is Covid changing things

24 August 2021 - We well know that calling the provider, it doesn't matter who or what discipline, the chance of getting a 100% accurate answer is unlikely.

People are punting on insurance – we have to stop them

19 August 2021 - Insurance is meant to indemnify – which means it is meant to make good a gap, but not create an advantage to the insured if they are paid out.

[The Wrap] Time to focus on fund manager fees?

14 August 2021 - It's been a bumper year for fund managers with healthy profits boosted by significant performance fees which is no doubt will attract the attention of regulators.

Adviser opportunities have never been better

10 August 2021 - Right now there have never been fewer advisers serving so many consumers with the need for cover, or better cover, and I think the market has plenty of growth left in it.

Income protection: Why taxable losses are not the right advice

3 August 2021 - Frankly, there are only two reasons loss of earnings, agreed or indemnity, is sold over agreed value - the commission is more, and the work required is less than doing non-taxable agreed.

How overpaying claims leads to product innovation

27 July 2021 - Most of the mainstream news media delight in telling people about when an insurer declines a claim. They love it. Insurers are just moustache-twirling financial villains in their eyes.

The FSPR is moving in directions we haven’t discussed

20 July 2021 - The industry has been watching the ups and downs of the Financial Service Providers Register (FSPR) like a hawk, and it seems we are finding the data somewhat less helpful than we anticipated.

Financial stress – more common than you might think

13 July 2021 - Recently we have examined the question of vulnerable customers and the Human Rights Commission report on vulnerable people has been central to our thinking.

Death rates and the impact of the End of Life Choice Act

28 June 2021 - With the passage of the End of Life Choice Act and the referendum result a form of assisted dying is available in New Zealand.

Complaints and the problem with professional indemnity insurance

22 June 2021 - We've all seen the renewals for various PI schemes starting to be published and it would be fair to say people are experiencing a bit of shock.

The tale of two claims - The media's perception of insurance

15 June 2021 - Two claims stories caught my eye recently that illustrate a media view of insurance - with the honourable exception of this site and some other specialist industry media.

[The Wrap] A big picture view of financial planning

13 June 2021 - This week I had a global view on what’s happening in the financial advice world at the annual MDRT conference.

Educating the educated - Code Standards 6, 7, 8 and 9

8 June 2021 - Yes, it is somewhat of a minefield and the further down the rabbit hole you go the less sense it makes.

Support for adviser wellbeing is essential - Tremethick

1 June 2021 - AIA NZ chief partnership insurance officer Sam Tremethick says the mental health and wellbeing of advisers is paramount, especially since the new regulations were put in place.

Adviser business values hold steady

31 May 2021 - Early concerns were that adviser business values would collapse due to the implementation of the new Financial Services Legislation Amendment Act.

Keeping up - but not with the Kardashians

27 May 2021 - Education is one area we need to spend more time on than we have previously budgeted and considered, although we all knew it was coming.

Let's give TPD a second look

19 May 2021 - Something of the ugly duckling of the insurance world, once-popular Total Permanent Disability cover (TPD) is now routinely ignored by many advisers.

Slow to adapt and fixed in our ways - the problems with life cover

17 May 2021 - I think there's an awful lot of "we do it this way because we have always done it this way" going on in the life insurance industry right now.

[The Wrap] What we learnt from the great KiwiSaver shakeout

16 May 2021 - There’s something very passive about the active shakeout of KiwiSaver default funds.

[The Wrap] You can feel the change. But is it good?

10 May 2021 - It's hard to quantify, but you can just feel the change going on amongst financial advisers now the new legislation is in place.

[The Wrap] Getting politically correct with fund managers

23 April 2021 - Hardly a day goes by without someone moaning about not being able to do so and so as it's no longer politically correct. Now fund managers can join that chorus.

Have you been thinking enough about qualifications?

6 April 2021 - Welcome to the New World, the most significant piece of financial legislation enacted in New Zealand, and it's an amendment Act.

[The Wrap] FSLAA isn't the only big change advisers need to be aware of

2 April 2021 - The world of financial advice changed significantly last month, and maybe more than many people realised.

COMMENT: The good, the bad and the ugly

24 March 2021 - The Government's housing policy is full of good, bad and plain ugly. NZ Property Investor magazine publisher Philip Macalister explains.

Client servicing is a big issue under the new rules

22 March 2021 - Jon-Paul Hale reckons the way advisers "service" clients under the obligations of the new financial advice regime is going to be challenging.

Getting cross over Cancer cover

22 March 2021 - Jon-Paul Hale's recent column on Southern Cross Cancer Cover Plus got the company, well, cross. Here's the latest.

[Opinion] A solution for NZ's housing crisis

23 February 2021 - Simon Angelo says New Zealand needs to look to a European-inspired solution to solve the housing crisis in New Zealand.

Guaranteed medical cover policy wordings

23 February 2021 - Jon-Paul Hale on the future security of insurance cover, unacceptable levels of risk for clients and sneaky exclusions to be wary of.

[Opinion] King hit on Hickey

18 February 2021 - Former NZ Property Investors Federation executive officer Andrew King argues an opinion piece in the Sunday Star Times is wrong, wrong, wrong.

Data versus human

16 February 2021 - Russell Hutchinson discusses what can be achieved by adding a little or a lot of tech to your processes.

Smug or juggling?

8 February 2021 - As March 15 approaches you could be in either camp. Russell Hutchinson with five tips to help get you over the line. 

Five reasons why responsible investment will keep growing

19 January 2021 - Responsible Investment Association chief executive Simon O'Connor gives five reasons why RI will continue to grow this year.

[Opinion] Embracing change key to supporting advice

8 January 2021 - Gail Costa, Cigna New Zealand chief executive, reflects on 2020 and how embracing change is vital to the future of advice.

Pros and cons with life policy structures

2 January 2021 - In a continuation from his earlier article Jon-Paul Hale discusses the different policy structures and where the fishhooks lie.

Predictions for 2021 – from the Laird’s Desk

2 January 2021 - With a New Year now upon us we asked David Whyte to once again offer his thoughts on what may lie ahead over the next 12 months.

Access to capital is key to rebooting our small business economy

29 December 2020 - If 2020 has made one thing clear, it is that New Zealand’s economy depends on small business.

[The Wrap] Reflecting on a year of surprises

25 December 2020 - Well that has been a roller coaster ride of a year. Here at Good Returns we are heading off on holiday for a while, but the site will be continuing to deliver you news and information. Here's my wrap for the year.

[The Wrap] What's the point of the FADC?

21 December 2020 - Something unusual happened the other week - the Financial Advisers Disciplinary Committee actually held a hearing.

[The Wrap] Industry blindsided by PI decision

12 December 2020 - Professional indemnity insurance has been a sleeper issue for years, but this week it woke up and shook its feathers.

OPINION: Why doing good is good for business

10 December 2020 - Caring about customers is a business imperative as well as an ethical one for insurers, argues Liz Zhu.

'Bullying' banking conduct

4 December 2020 - Advocating for your client is a fundamental aspect of being an adviser – even if that means making yourself "a pain in the arse", writes Jon-Paul Hale.

OPINION: Wholesale investor regime no loophole

4 December 2020 - Paua Wealth chief risk officer Jude Pereira says the wholesale investor regime is not a “loophole” as some in the media have suggested.

Privacy and process why it is crucial to your business

28 November 2020 - Jon-Paul Hale describes a problem he has with one bank and offers some learnings from the experience.

[The Wrap] What to make of changes in dealer group land

22 November 2020 - There's long being talk of rationalisation amongst the dealer groups, but to see the two big insurance groups go in quick succession wasn't something many would have predicted.

[The Wrap] Are banks heading for the advice exit door?

15 November 2020 - Does Westpac's decision to sell its wealth management business to Forsyth Barr signal the end of banks in the advisory market?

A controversy or lost opportunity when we talk about sum insured

28 October 2020 - How we talk about sum insured may be underselling insurance – and it is surprisingly controversial. One training manager I know thinks Fidelity Life’s...

Which advisers will win the future?

28 October 2020 - Russell Hutchinson gives some advice on preparing for the new regulatory regime.

[The Wrap] Divorce for AMP Wealth Management and AMP Capital

24 October 2020 - AMP Wealth Management's decision to move $10 billion of funds to a passive mandate in international hands leaves more questions than answers.

Licensing insurance for financial advisers

13 October 2020 - Russell Hutchinson takes a whimsical look at what this kind of cover might offer.

Hunters v gathers in the new world

7 October 2020 - Jon-Paul Hale provides his thoughts on how hunters, gatherers and game-keepers will survive in the new financial advice environment.

The power of social media

6 October 2020 - Russell Hutchinson shows you practical, yet simple, ways you can make social media work for you without being a tech genius.

The pros and cons of ‘standard’ in compliance

16 September 2020 - Russell Hutchinson asks what standard of advice do you want to offer your clients.

What the heck is a consumer data right?

12 September 2020 - What the heck is a consumer data right? What would it mean for financial advice?

Should you stay, or should you go?

8 September 2020 - There still seems to be a delay in some advisers getting their transitional licence – insurance adviser Jon-Paul Hale with a follow-up to his article Tied Agency 2.0.

Level five isn't the big issue for advisers; It's something else

2 September 2020 - Insurance adviser Jon-Paul Hale says advisers are getting hung up on level five qualifications, when the real issues they should be focusing on are much bigger.

[OPINION] The industry needs to shift focus from ‘what you need to do’ to ‘how will you do it?’

28 August 2020 - As 2020 continues its pattern of disruption, one thing remains certain - regulatory change is imminent and the new regime will herald, among other things, a far greater level of professionalism for the industry - through enhanced processes, record keeping and oversight.

The clock is ticking on getting a transitional licence…

5 August 2020 - Even with the deadline now pushed out to March, you wouldn’t want to leave it too much longer without applying if you want to have a licence.

Tied Agency 2.0 – spelt out

5 August 2020 - Jon-Paul Hale on why you need to get your transitional licence sorted asap. 

It starts with governance

5 August 2020 - Russell Hutchinson discusses the importance of governance in achieving a compliant FAP business.

Keeping our eyes on the road ahead

28 July 2020 - Financial Markets Authority chief executive outlines the regulators plans for the coming months.

Some sense with regulation

27 July 2020 - Recent discussion papers show "sense is prevailing" says Jon-Paul Hale. 

[The Wrap] Promoting the value of advice

24 July 2020 - It was somewhat of a surprise to read a piece this week about one of the industry leaders talking about her own financial advice journey.

Should we be warning consumers about IP prices?

23 July 2020 - Russell Hutchinson suggests ways to preposition clients for IP premium increases and discusses the product's potential to keep claimants disabled longer. 

Partners Life market changes

16 July 2020 - Jon-Paul Hale with his critique of the Partners Life commentary and what to watch when considering replacement business.

[The Wrap] Dealer group land like a game of Risk

10 July 2020 - If advisers didn't have enough on their hands at the moment, the latest challenge is the changing face of the dealer group network.

What I'm seeing at the moment

8 July 2020 - Instead of a Weekly Wrap I thought I'd provide a few observations on what I am seeing in these rather unusual times.

To FAP or not to FAP, the update

30 June 2020 - Jon-Paul Hale on licensing, commission structure changes and the benefits of dealer groups. 

How housing affects the market for insurance

29 June 2020 - Why would the housing market be a factor in underinsurance? Russell Hutchinson explains.

[Opinion] Ways to future proof your business

26 June 2020 - Now New Zealand is at Alert Level One it's a good time for mortgage advisers to think about diversifying their businesses.

Ways to sell more insurance

19 June 2020 - Russell Hutchinson offers some ideas about how to sell more insurance.

Three big things that are forcing consumers to re-think

2 June 2020 - Russell Hutchinson on the drivers that are pushing people to seek advice.  

[The Wrap] Things returning to normal

29 May 2020 - It feels as though things are starting to return to some normality - other than a few bombshell announcements. For the past couple of weeks my Wrap has failed to see the light of day; partly as I was not particularly happy with them and where they were going. Today is different.

The Covid edition

29 May 2020 - The future is bright for those focused on the right outcomes for clients says Jon-Paul Hale.

IP underwriting is complicated – improving, but complicated

27 May 2020 - The post-Covid IP world could remain complex for some time says Russell Hutchinson.

COMMENT: Which property markets are most vulnerable?

13 May 2020 - In the coming months, all parts of the country are likely to feel some degree of property pain, but CoreLogic’s Kelvin Davidson* has taken a look at which areas might be hardest hit.

Reconciling wants to needs

12 May 2020 - The three most common goals clients have for their potential life insurance package and your role in helping them reconcile their wants from needs.

Let’s have the grown-up in charge

8 May 2020 - Life insurance is complex, you are the "grown-up" and clients need your expertise when they invite you to give them advice, says Russell Hutchinson.

[The Wrap] Lockdown low down (have advisers taken their own advice?)

4 May 2020 - The financial services sector appears to have dealt with the lockdown extremely well; but I can't help thinking we will all rejoice when it ends.

Pricing strategy – choices and their meanings

28 April 2020 - Russell Hutchinson looks at insurance cover norms and offers some alternatives for consideration. 

[The Wrap] Staying in tune during the lockdown

20 April 2020 - What do you do in a four-week lockdown? Build a playlist. (And compare health apps.)

Looking through the crisis? Or looking into it?

16 April 2020 - Data analysis is a useful skill – but showing you care and forging real emotional connections is going to be more helpful as we move through the coming months. 

[The Wrap] Coping with Covid-19; thinking ahead; update your info

30 March 2020 - This week's wrap is a bit different to my normal ones (including being on a Monday). The Covid-19 lockdown presents daily challenges for each of us, but is a good opportunity to think about the future. Also I ask you to update your details so we can get information to you.

[The Wrap] Random thoughts on an indiscriminate virus

13 March 2020 - It seems there is only one talking point at the moment - and it's not regulation. Rather Covid 19 is dominating the headlines. What does it mean for you?

[The Wrap] Many advisers putting their businesses at risk

7 March 2020 - Apparently the reasonably small number of financial advisers who have applied for a transitional licence isn't a problem. I beg to differ.

Partners life changes may not be big enough

3 March 2020 - Partners Life’s changes to IP will not be the end of the matter if reinsurer expectations of the market are correct – and further changes are probably inevitable.

Putting the case for income protection

25 February 2020 - The concluding part of Jon-Paul Hale's IP series; reducing cover levels will increase pressure on the already strained public health system.

Health system not helping income protection claims

12 February 2020 - Jon-Paul Hale's third of four articles on income protection; recent critique of the length and motivation for IP claims and how public health and IP don't collide well.

Immigrants have differing view of income protection

3 February 2020 - In the second part of his series on income protection sustainability, Jon-Paul Hale says there is a cultural side to claims which is overlooked in research.

Income protection sustainable or just more noise?

22 January 2020 - The future of income protection insurance is likely to come under more scrutiny this year. In the first of a four-part series Jon-Paul Hale takes aim at some claims made by Partners Life.

NZ equity returns for the next decade?

22 January 2020 - Jamie Young looks at the above normal returns achieved in 2019, how the market has been tracking since 2005 and what that could mean for 2020 and beyond.

5 trends to include in your advice service planning

21 January 2020 - The beginning of a new year is a good time to review processes. Russell Hutchinson gives us five trends to focus on for 2020 and beyond.

[OPINION] Turbulent year ahead

20 January 2020 - Insurance industry veteran David Pine says 2020 is going to be a turbulent year in the insurance arena; both life and health, and fire and general. But it's not all bad.

David Whyte's 5 predictions for 2020

18 January 2020 - Last week Good Returns published five predictions for the year ahead. This week guest contributor David Whyte offers his five predictions for 2020.  As he says: "All of which will, of course, come to pass and be regarded as prophetic, insightful, and accurate. Or none of them will come to fruition and will have as much value as an Iranian Rial."

Small banks on FAPs; Your thoughts on low-equity fees

13 January 2020 - For those of you who are back at work today Welcome Back! It's been all very quiet on the rate change front, as you'd expect for this time of...

[The Wrap] Five predictions for 2020

10 January 2020 - It's the start of a new year and a new decade. While it's 2020, Philip Macalister looks ahead and makes some predictions around what may happen in the financial advice sector this year.

COMMENT: Off-the-plan investing in 2020

27 December 2019 - Interested in the idea of investing off-the-plan? Propellor Property Investments founder Nikki Conners* explains what you need to know about off-the-plan investing going into 2020.

[The Wrap] Slow change coming

20 December 2019 - The year started with so much promise, but where did it end? Philip Macalister has a review of what's happened and some of the biggest stories of the year.

My wildly unhelpful prediction …

12 December 2019 - I said to a colleague about two months ago that based on the 2010 change, 90% of advisers will miss the June 2020 deadline. They disagreed – they may well be right – I hope they are.

Has property had its day in the sun?

6 December 2019 - Or does it need some more sunscreen? Property, it’s a New Zealand love affair that has created a lot of wealth over recent years in the residential market for Kiwis but what’s been happening where the big guns play in the listed market. Who better to ask than Mint’s property portfolio manager Carlie Eve.

[The Wrap] Advice is more than just fees; Celebrating the best

30 November 2019 - Too much focus goes on fees and remuneration when it comes to financial advice, so it was good to see a report this week paints a picture of the value of financial advice. 

Imagine being forced to give bad advice

28 November 2019 - It is not quite that bad, but this story – or cautionary tale – shows how a very restrictive approved product list affects advisers.

[The Wrap] Into the unknown

24 November 2019 - We're days out from transitional licensing opening and still there are questions which remain unanswered.

Lowdown on NZ primary sector investment

19 November 2019 - There are more complexities to investing in the primary sector than you might imagine. 

Responsible investing – why it should matter to you and your clients

8 November 2019 - Interview with portfolio manager David Fyfe – Mint Asset Management

Policy ownership, a simple concept?

7 November 2019 - It seems it's not. And given the time and dialogue, I need to name names on this issue.

As confusion reigns and opinions are strong, is it all a bit much?

31 October 2019 - There are so many options for advisers under the new regime; licensing, coming under a licence, packing it in, or working for a bank or insurer. Jon-Paul Hale says the answer is quite simple.

The importance of luck (and recognising it)

22 October 2019 - Castle Point Funds Management partner Stephen Bennie says that early in his career, an important mentor had a favourite saying, “I’d rather be lucky than smart”.

[The Wrap] Royal commission? No. But there's still questions to ask

4 October 2019 - Having just finished reading Adele Fergusson's book, Banking Bad, on the Australian royal commission I am left with these thoughts, observations and comments.

To FAP or not to FAP, that is the question

3 October 2019 - There is plenty of ongoing discussion in the market around this question but should we also be asking – who owns the clients?

Finally, a breath that suggests it's not all about the advisers and their advice

1 October 2019 - As an insurance adviser, one of the challenges with the rhetoric that has been thrown around over the last few years, you could be forgiven for thinking we're the new whipping post.

What really makes a diversified income fund run?

1 October 2019 - It's time to take a proper look under the bonnet and find out what makes a diversified income fund run. Who else better to ask than Mint’s diversified income fund mechanic (ok Portfolio Manager) Marek Krzeczkowski to explain the components that impact the running, and ultimately the performance of these types of funds.

Not all high yielding stocks are equal. Here's three that deserve second-thoughts

24 September 2019 - It's easy for investors to be allured by high-dividend yields, particularly in the current low interest rate environment; but it pays to be wary. 

[The Wrap] What's worse? Commissions on insurance or cashbacks for home loans

21 September 2019 - Commissions are the hot topic which we just can't get away from. This week we ponder the latest appointment to the FMA board along with some questions around what regulators really want.

[The Wrap] Let's not follow what's happening in Australia

6 September 2019 - This week’s Wrap is a sobering one and one with some lessons from Australia we don’t want to repeat.

[The Wrap] Regulation is a time for advisers to be bold and reinvent themselves

2 September 2019 - We all know change is coming for financial advisers, and maybe they should use this opportunity to reinvent themselves to be bigger, bolder and more successful than before.

Old school digital advice failed advisers, but there are new options emerging

26 August 2019 - So far most attempts by advisers to increase sales online have failed. It’s worth wondering why that is, and whether there is scope for change.

[The Wrap] Introducing the new type of financial adviser (Not)

23 August 2019 - One of the things which impacts on the standing of financial advisers is the dodgy people who pretend to be be advisers but work outside of the regulated market.

[The Wrap] What the heck is a good customer outcome?

16 August 2019 - It's one of the buzz phrases at the moment, providing good customer outcomes to people who buy financial advice or products. But what the heck is it?

[The Wrap] A true picture of financial advice about to be painted

26 July 2019 - It's been a week of big news, but perhaps the most important development has been an announcement around when advisers can start to enter the transitional licensing process.

[The Wrap] Woes continue for ANZ

12 July 2019 - It seems problems keep mounting up for ANZ with news today investors in New Zealand's biggest ponzi scheme, Ross Asset Management, has started legal action against ANZ.

[The Wrap] Where were the clues in the Kloogh case?

31 May 2019 - The Serious Fraud Office raid on an Authorised Financial Adviser's office in Dunedin just over a week ago raises questions about the effectiveness of the regulatory environment.

[The Wrap] What future financial advice firms could look like

24 May 2019 - Sorting out what the financial advice industry is going to look like under the new regime is something akin to trying to solve the Rubick cube.

[The Wrap] How about a Code of Conduct for Institutions? What a novel idea

27 April 2019 - It's funny how things turn out. The Wrap didn't happen Friday as I had a funeral to attend and I was struggle to pick a theme from the week because there were so few working days. But our minister, Kris Faafoi, fixed all that Saturday releasing yet another options paper - this one on the topic I had been toying with: Good Conduct.

[The Wrap] Singing to a New Zealand tune

18 April 2019 - Here's two random and seemingly unrelated thoughts...but they are very Kiwi and yes they relate to financial advice! 

Churn keeps coming up in discussions, everywhere. In the insurers, with advisers, and with regulators.

25 March 2019 - Churn: The movement of cover form one provider to another for the sole benefit of the adviser and what they earn

How to complain

25 March 2019 - There is much to complain about, I mean it. There is bad advice, bad behaviour, bad advertising, and sometimes, outright fraud. No wonder you want to complain.

A regulator reflects on Mosque attacks

25 March 2019 - Following the attacks on two mosques in Christchurch the FSC toyed with cancelling its Navigating Regulation summit in the city. It chose to go ahead with the event and speaker, John Botica from the FMA provides a personal account of what happened.

[The Wrap] The terror attacks and us

22 March 2019 - The terror attacks last Friday in Christchurch weren't something I was going to write about; but they have dominated the media (rightfully) all week and impacted on financial services too.

[The Wrap] Soothing words from the minister

15 March 2019 - It was heartening to hear the Minister of Commerce Kris Faafoi speak this week. The message I took out of it was that the Government isn't going to have some knee-jerk over-reaction to what's come out of Australia recently.

Conduct and culture, the bits we should be talking about

11 March 2019 - From the comments around the industry in the last couple of weeks, the commission thing has been and has always been a red herring.

A question of culture

11 March 2019 - The problems of breaking out of a current worldview were exemplified in a series of comments on a Good Returns article recently. Two industry stalwarts had proposed a new approach to commission.

[The Wrap] What secrets are in the Code?

8 March 2019 - You can feel things are starting to move, ever so slowly, with changes in the financial adviser space. This week the Code Committee delivered its proposed Code to Commerce Minister Kris Faafoi, however it's all secret squirrel at the moment and there is no clear timeline when it will be publicly released.

Chatter about churn and commission

4 March 2019 - Given the latest chatter about commission, I thought dusting this off was appropriate now.

[The Wrap] It's not the death of life insurance companies as we know it

1 March 2019 - Some people may think life insurance is about to succumb to the very thing it is based on; death. But the opposite is true; the sector is getting a whole new lease of life.

Rethinking adviser remuneration

26 February 2019 - In a tiny business, the difference between how the business earns revenue, and how the adviser gets paid isn’t really very relevant.

Commission: The gun that needs to be in the right hands

25 February 2019 - Commission, it's like a gun, it's neither good nor evil until it is put in the hands of a human.

[The Wrap] A tax tidbit; time to support CFPs and CLUs

22 February 2019 - Tax is the topic of the week, but as everyone else has plenty to say on that subject, professional development, Level Five and adviser education gets an airing today.

Rough start to the year

18 February 2019 - We've had a reasonably rough start to the year with reporting and political tub-thumping. Between the Reserve Bank report, the Australian Royal Commission report, and the governments on both side of the Tasman, it's fair to say Financial Services has had a rough time.

[The Wrap] It's time for industry leaders to step up and support advisers

15 February 2019 - Advisers are, unfairly, bearing the brunt of the fallout from recent reports. It's time industry leaders stepped up and articulated to the public, regulators and politicians the value of good advice.

What do you think about the Royal Commission report? One rate change

5 February 2019 - I'm sure you haven't missed the final report of the Royal Commission in Australia. If its recommendations around mortgage advice are adopted then...

Insurance conduct report shows lack of understanding: Adviser

4 February 2019 - We have a report from the Reserve Bank about the insurance industry, and it's pretty rough, but it's misguided. Adviser Jon-Paul Hale explains why.

[The Wrap] Regulators say they are not trying to demonise life insurance

1 February 2019 - This week we witnessed one of the biggest take downs in the history of financial services in New Zealand. But was it warranted?

[The Wrap] Brace yourself for a big week

27 January 2019 - While the start of the week maybe leisurely for many (Auckland Anniversary Day) the rest of the week may well contain a few bombshells.

[The Wrap]

18 January 2019 - For those of you back on deck, welcome back. 2019 will, I think I can boldly predict, be an interesting year with many challenges for the financial services industry.

[The Wrap] And that folks is a wrap for 2018

30 December 2018 - The end of the year had finally arrived. To celebrate the past 12 months I look back over the stories that made the headlines and shaped the industry.

It's time to celebrate insurance and Christmas

21 December 2018 - Some people think life insurance is boring, but 2018 is testament that it's an exciting and changing industry. Here's our little wrap on the year, some thoughts for 2019.

[The Wrap] What it it will cost you to be licensed revealed

15 December 2018 - It's not unusual that something big drops right on Christmas, and it's happened again this year. MBIE have released a discussion document which goes a long way to answering one of the biggest questions about impeding regulation. How much it will cost.

[The Wrap] The end of bank VIO is good for advisers, but are you ready?

7 December 2018 - It was good to see that one bank has realised the vertically integrated model around, what I’ll broadly call wealth management, is unsustainable.

[The Wrap] Reality check for copy-pasters

30 November 2018 - The most commented on story on Good Returns this week was a real eye-opener, here's why.

[The Wrap] Once FSLAB's laid new game starts

14 September 2018 - The new game for financial advisers is getting closer by the week and don't be surprised if the Financial Services Legislation Amendment Bill (FSLAB) becomes law before too long. It was interesting this week watching MPs debate the bill and which ones knew what they were talking about. When the law does get passed don't be surprised to see a bit of a land grab by dealer groups.

[The Wrap] Gotta love disruption; New life for old war horse; What we weren't meant to tell you about

27 July 2018 - There's been a theme of disruption to financial services this week, and it's one worth keeping an eye on. While new ways of doing things have been in the news, so to is the future of an old warhorse. And of course the week wouldn't be complete without more discussion on the proposed new code of conduct for financial advisers.

[The Wrap] Next round for CWG; Hat tip to group of AFAs; At least sunlight on QFEs

20 July 2018 - It's been a big week with revelations around the practices of QFEs when it comes to replacement business, release of submissions to the Code Working Group and of course a band of AFAs standing up on KiwiSaver. Here's our take on things.

Did the Australian Royal Commission change everything? Or had everything changed already?

9 July 2018 - Long-run changes have a habit of creeping up on us. Gradually, society changes, but we pin the ‘big change’ on one emblematic moment.

Going digital for adviser businesses

25 June 2018 - There might be something to this internet thing...

Questions of Conduct: when does good conduct become financial advice?

11 June 2018 - Russell Hutchinson shares how bad conduct affects customers. 

Scope versus advice

26 April 2018 - People who articulate a solution are often really articulating a problem they want to solve.

[Opinion] The future of advice is at risk

23 April 2018 - In my 30-odd years covering this financial services I don't think there has ever been a more important time for the future than right now.

[Opinion] RFAs missing in action

18 April 2018 - The lack of RFAs at the recent Code Working Group roadshows should be a big concern for advisers.

The Wrap: Unofficial QSMs; Formal CWG complaint lodged: Will anyone follow AMP?

6 April 2018 - It may have been another short week, but that didn't stop it from being one with plenty of heat and action for financial advisers. Here's our take on what's happened.

[Opinion] Serious concerns over Code Working Group behaviour

26 March 2018 - Advisers should be worried about what is happening with the Code Working Group. It's meant to be consulting with the industry but is trying to gag Good Returns and others.

The Wrap: Has FSC launched a pre-emptive strike on the new adviser association?

10 November 2017 - A question on our minds this week is this: Has the Financial Services Council (FSC) launched a pre-emptive strike on the new Financial Advice New Zealand association?

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Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AIA - Back My Build 6.19 - - -
AIA - Go Home Loans 8.74 7.14 6.75 6.39
ANZ 8.64 ▼7.45 ▼7.09 ▼6.95
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - ▼6.85 ▼6.49 ▼6.35
ASB Bank 8.64 7.14 6.75 6.39
ASB Better Homes Top Up - - - 1.00
Avanti Finance 9.15 - - -
Basecorp Finance 9.60 - - -
Bluestone 9.24 - - -
Lender Flt 1yr 2yr 3yr
BNZ - Classic - ▼6.85 ▼6.49 ▼6.39
BNZ - Green Home Loan top-ups - - - 1.00
BNZ - Mortgage One 8.69 - - -
BNZ - Rapid Repay 8.69 - - -
BNZ - Std, FlyBuys 8.69 ▼7.45 ▼7.09 ▼6.99
BNZ - TotalMoney 8.69 - - -
CFML Loans 9.45 - - -
China Construction Bank - 7.09 6.75 6.49
China Construction Bank Special - - - -
Co-operative Bank - First Home Special - ▼6.59 - -
Co-operative Bank - Owner Occ 8.40 ▼6.79 ▼6.49 ▼6.35
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Standard 8.40 ▼7.29 ▼6.99 ▼6.85
Credit Union Auckland 7.70 - - -
First Credit Union Special - 7.45 7.35 -
First Credit Union Standard 8.50 7.99 7.85 -
Heartland Bank - Online 7.99 ▼6.69 ▼6.35 ▼6.15
Heartland Bank - Reverse Mortgage - - - -
Heretaunga Building Society 8.90 7.60 7.40 -
HSBC Premier 8.59 - - -
HSBC Premier LVR > 80% - - - -
HSBC Special - - - -
ICBC 7.85 7.05 6.69 6.59
Lender Flt 1yr 2yr 3yr
Kainga Ora 8.64 7.74 7.35 6.99
Kainga Ora - First Home Buyer Special - - - -
Kiwibank 8.50 ▼7.75 ▼7.39 ▼7.19
Kiwibank - Offset 8.50 - - -
Kiwibank Special - ▼6.85 ▼6.49 ▼6.39
Liberty 8.59 8.69 8.79 8.94
Nelson Building Society 9.00 7.65 7.25 -
Pepper Money Advantage 10.49 - - -
Pepper Money Easy 8.69 - - -
Pepper Money Essential 8.29 - - -
SBS Bank 8.74 7.74 7.09 6.95
Lender Flt 1yr 2yr 3yr
SBS Bank Special - 7.14 6.49 6.35
SBS Construction lending for FHB - - - -
SBS FirstHome Combo 6.19 6.14 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 9.95 - - -
Select Home Loans 9.24 - - -
TSB Bank 9.44 7.79 7.55 7.45
TSB Special 8.64 6.99 6.75 6.65
Unity 8.64 6.99 6.79 -
Unity First Home Buyer special - 6.55 6.45 -
Wairarapa Building Society 8.60 6.95 6.85 -
Lender Flt 1yr 2yr 3yr
Westpac 8.64 7.49 7.35 6.99
Westpac Choices Everyday 8.74 - - -
Westpac Offset 8.64 - - -
Westpac Special - 6.89 6.75 6.39
Median 8.64 7.14 6.82 6.44

Last updated: 19 July 2024 9:21am

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