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Articles tagged with 'Opinion'

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. 

What’s a defensive stock in 2020?

30 November 2019 - What’s a defensive stock? It’s a simple question that used to have a simple answer. 

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.

Rates limbo; Are you happy with getting Level 5?

16 November 2018 - We've been a little quiet with our weekly TMM newsletters so thought it was time to get them going again. Here's a wrap of last week's news and some thoughts on what's happening in the market.

[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.

RBNZ changes its mind on LVRs

20 April 2018 - This may come as a surprise to many of us, but the Reserve Bank is now saying LVR restrictions are permanent and not temporary. However, if there is a plus it's that since the slight LVR easing earlier this year investor lending has picked up.

[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.

Adding revenue streams to your business

8 December 2017 - This week we have seen a little movement in home loan rates, but we would have to stress it is only little. With the Reserve Bank loosening, ever so slightly, its LVR restrictions it will be interesting to see if that generates a little more activity from lenders.

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?

A bank's view on mortgage advisers

9 November 2017 - It's been a big week of news with the OCR and MPS today, plans to change the Reserve Bank's policy targets and of course Westpac's results.

The importance of mortgage advice

3 November 2017 - A theme this week is how important the mortgage advice channel is becoming in the distribution of home loans.

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Lender Flt 1yr 2yr 3yr
AIA 4.55 2.55 2.69 2.79
ANZ 4.44 3.15 3.25 3.39
ANZ Special - 2.55 2.69 2.79
ASB Bank 4.45 2.55 2.69 2.79
Bluestone 3.49 3.49 3.49 3.49
BNZ - Classic - 2.55 2.69 2.79
BNZ - Mortgage One 5.15 - - -
BNZ - Rapid Repay 4.60 - - -
BNZ - Std, FlyBuys 4.55 3.15 3.29 3.39
BNZ - TotalMoney 4.55 - - -
CFML Loans 4.95 - - -
Lender Flt 1yr 2yr 3yr
China Construction Bank 4.49 4.70 4.80 4.95
China Construction Bank Special - 2.65 2.65 2.80
Credit Union Auckland 5.45 - - -
Credit Union Baywide 5.65 3.95 3.85 -
Credit Union South 5.65 3.95 3.85 -
First Credit Union Special 5.85 2.95 3.45 -
Heartland 3.95 2.89 2.97 3.39
Heartland Bank - Online - - - -
Heretaunga Building Society 4.99 3.85 3.95 -
HSBC Premier 4.49 2.45 2.60 2.65
HSBC Premier LVR > 80% - - - -
Lender Flt 1yr 2yr 3yr
HSBC Special - - - -
ICBC 3.69 ▼2.45 2.65 2.79
Kainga Ora 4.43 2.93 3.07 3.24
Kiwibank 3.40 3.30 3.54 3.54
Kiwibank - Offset 3.40 - - -
Kiwibank Special 3.40 2.55 2.79 2.79
Liberty 5.69 - - -
Nelson Building Society 4.95 3.45 3.49 -
Pepper Essential 4.79 - - -
Resimac 3.39 3.35 2.99 3.35
SBS Bank 4.54 3.05 3.19 3.25
Lender Flt 1yr 2yr 3yr
SBS Bank Special - 2.55 2.69 2.75
The Co-operative Bank - Owner Occ 4.40 2.55 2.69 2.79
The Co-operative Bank - Standard 4.40 3.05 3.19 3.29
TSB Bank 5.34 3.29 3.45 3.59
TSB Special 4.54 2.49 2.65 2.79
Wairarapa Building Society 4.99 3.55 3.49 -
Westpac 4.59 3.15 3.29 3.39
Westpac - Offset 4.59 - - -
Westpac Special - 2.55 2.69 2.79
Median 4.55 3.00 3.13 3.02

Last updated: 21 September 2020 10:48am

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