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November 2018
28 Nov 2018 LVR loosening: advisers react
28 Nov 2018 LVR restrictions eased for investors
28 Nov 2018 LVR restrictions eased for investors and owner-occupiers
28 Nov 2018 Reserve Bank to ease LVR restrictions
28 Nov 2018 Reserve Bank to ease loan-to-value ratio restrictions
28 Nov 2018 Serve customers, don't ram products down throats: Everett
27 Nov 2018 NZ shares rise as upbeat Wall St bolsters A2, blue chips
27 Nov 2018 First home buyers outshine investors
27 Nov 2018 It's goodbye to Sovereign
27 Nov 2018 Partners bumps up medical pricing
27 Nov 2018 Halt to apartment law reform plan
27 Nov 2018 FSR Preview: Will the Reserve Bank loosen LVR restrictions?
27 Nov 2018 Equal weight vs. Market cap weight
27 Nov 2018 Smartshares: Market dip shows passive still best bet
26 Nov 2018 NZ shares fall with blue chips A2, Ryman; F&P Healthcare gains
26 Nov 2018 CGT would be repealed under National
26 Nov 2018 Good news, four million lives saved
26 Nov 2018 Belief in rental investment returns cools
26 Nov 2018 AdviceFirst on the block
26 Nov 2018 AMP to support women in advice
23 Nov 2018 Bank says mortgage advisers should be fee-for-service
23 Nov 2018 FMA's review of insurers pushed back
23 Nov 2018 Peer-to-peer lending on the rise
23 Nov 2018 Court of Appeal rules against price fixers
23 Nov 2018 HSBC one year rate down to 3.79%
23 Nov 2018 AFA applications roll in
22 Nov 2018 AIA/Sovereign confirms trips axed
22 Nov 2018 NZ shares snap decline as growth stocks Tourism Holdings, A2 recover
22 Nov 2018 Kiwis paying off loans at faster rate: Westpac
22 Nov 2018 Migration at lowest since 2015
22 Nov 2018 Fee for service idea for mortgages played down
22 Nov 2018 Growth in NZ demand for co-working space
22 Nov 2018 Financial advisers stuck in limbo
21 Nov 2018 Trade Me soars on takeover bid; Fletcher sinks deeper
21 Nov 2018 Speed-dating to become regular non-bank event
21 Nov 2018 COMMENT: War on tenancies should stop
21 Nov 2018 Apprenticeship model possible under new regime
20 Nov 2018 Fletcher slumps to 9-yr low on profit warning
20 Nov 2018 ASB plays down fee-for-service talk
20 Nov 2018 Time to invest in gold?
20 Nov 2018 Spring magic makes for price rises
20 Nov 2018 Cigna: Adviser channel an exciting change
20 Nov 2018 Regulatory role not on the cards for Financial Advice New Zealand
20 Nov 2018 Disclosure regulations next year
19 Nov 2018 NZ shares dip as trade war fears linger
19 Nov 2018 Date set for OnePath/Cigna merger
19 Nov 2018 Insurance essentials
19 Nov 2018 Servicing, company agencies and the legislation
19 Nov 2018 ASB predicts mild OCR cycle
19 Nov 2018 Tax Working Group divided on approach to CGT
16 Nov 2018 [The Wrap] Sorry guys, you can't (or shouldn't) be ignoring RI
16 Nov 2018 NZ stocks fall on renewed Brexit uncertainty, dividend payouts
16 Nov 2018 Rates limbo; Are you happy with getting Level 5?
16 Nov 2018 Date for deal to be revealed
16 Nov 2018 Fierce opposition to tenancy proposals
16 Nov 2018 Banks do the limbo
16 Nov 2018 NZX Wealth Technologies platform launches
15 Nov 2018 NZ stocks mixed as global worries weigh on local news
15 Nov 2018 Landlords to bear letting fee costs
15 Nov 2018 Bank staff pushing investments, insurance
15 Nov 2018 Long term house price outlook negative: Westpac
15 Nov 2018 Rates fall boosting housing market - Westpac
15 Nov 2018 No code before Christmas
14 Nov 2018 LVR loosening under review: Bascand
14 Nov 2018 Sales activity bounces back to life
14 Nov 2018 Insurers share advisers' responsibility to clients, Accuro boss says
14 Nov 2018 Cut and thrust for ASB
14 Nov 2018 Mortgage bond overhaul moves closer
14 Nov 2018 Advisers told to prepare for more complaints
13 Nov 2018 Wall Street drops; NZX follows; But Spark, Port of Tauranga gain
13 Nov 2018 Infrastructure “tax” for buyers in new development
13 Nov 2018 Harmoney reaches $1 billion in lending
13 Nov 2018 Sub 4 rates becoming the norm; Another lender hits the $1 bill mark
13 Nov 2018 Taking the plunge
13 Nov 2018 Everyone should have Level 5: Financial Advice NZ
12 Nov 2018 Shares mixed on weak overnight leads; Spark gains, Fletcher falls
12 Nov 2018 BNZ joins the under-4s
12 Nov 2018 Better Business Conference presentations
12 Nov 2018 C'Mon minister pass the Bill; Views on Code revealed
12 Nov 2018 Insurers grapple with increasing genetic testing
12 Nov 2018 C'mon Minister; Pass the Bill
12 Nov 2018 Can you comply with the new Code?
12 Nov 2018 SiFA slams draft code
12 Nov 2018 House buyer sentiment hits 5 year high
10 Nov 2018 ANZ takes rates below 4%
09 Nov 2018 [GRTV] Great advice from the best
09 Nov 2018 [The Wrap] Advisers will need to earn their trail commission
09 Nov 2018 Adviser associations band together to fix the Code
09 Nov 2018 NZ stocks extend gains, buoyed by local rates outlook; Spark, Z rise
09 Nov 2018 Property Manager brings its largest offer to market
09 Nov 2018 AMP Capital appoints new fixed income analyst
09 Nov 2018 PMG announces new market offer
09 Nov 2018 Global recognition for Kiwi mortgage fintech firm
09 Nov 2018 Colleges prepare for student influx
09 Nov 2018 Tate steps down
08 Nov 2018 NZ stocks lift on relief rally after US elections
08 Nov 2018 OCR reaction: cut less likely and rates to stay low
08 Nov 2018 What the RBNZ said today
08 Nov 2018 OCR reaction: cut less likely and rates to stay low
08 Nov 2018 What Adrian Orr said today about interest rates
Latest News
Pie Funds enters adviser channel
Pie Funds enters adviser channel
3 min read
KiwiSaver members need more advice at retirement, panellists say
KiwiSaver members need more advice at retirement, panellists say
3 min read
Simon Papa: Access to advice - Is adviser conservatism the issue?
Simon Papa: Access to advice - Is adviser conservatism the issue?
9 min read
Second funds management firm sold today
Second funds management firm sold today
3 min read
Latest Comments
Give Total Rem the flick if KiwiSaver compulsory
Thank you Backstage. Look beyond just the structure/s. Currently, both employee and employer's contribution are taxed. So, even if I add a 3rd option - $100k salary of which $12k deducted for KS and no employer contribution. It made no difference financially whether it is option a, b or c, assuming law says $12k of the $100k pay package must go to KS. It will make a difference if a new tax law says, employer's contribution is tax free, then option "a" is a no brainer.
2 weeks ago W K
Simon Papa: Access to advice - Is adviser conservatism the issue?
Thank you Simon for such a substantial and thought-provoking piece. You write that “the CoFI law creates the potential for the FMA to influence the supply of financial products and services, not just conduct in relation to such supply”, to which I would offer two replies: Yes; and About Time. Your piece (and also your submission on the draft Fair Outcomes Guide) do suggest a preference for Rational Choice Theory and the Efficient Market Hypothesis. The problems with this being: Humans are not ideally-rational agents, and even if they were, the market is problematically inefficient. The latter is by design, by and for the benefit of the financial institutions. Informational asymmetries mean that consumers often don’t/can’t obtain the information they need to make an informed choice about whether to acquire, retain, or dispose of a financial advice product. (Good luck finding out the actual/modelled loss ratio on optional benefit x on product y.) Extending conduct requirements/expectations beyond supply, into areas such as design and pricing over the full life cycle of products and service offered, should help rebalance the scales. I agree with you when you write: “What is “fair” is inherently vague and contestable.” It doesn’t follow that it is unsuitable. Financial services law is full of such terms: “reasonable,” “care,” “diligence,” and “skill” immediately spring to mind. “Unusually large transaction” and “unusual pattern of transactions” from 22(1)(c) of the AML/CFT Act are vague, and currently subject to contest in FMA v InvestNow. Finally, I agree that more FADC cases would be helpful. Also helpful would be more details from enforcement cases the FMA has taken over the years. For example: Where a FAP was found to have breached the Record Keeping standard condition, provide a couple of (suitably redacted) examples of deficient files, along with explanatory commentary. If your files look like that, then do better.
2 weeks ago Paul Flood
Give Total Rem the flick if KiwiSaver compulsory
@WK agree with your summary and Murray, "exactly". Im a little confused about the statement, total rem has got to go? Even more confused by am mentat... blatant wage theft? Confused about young people not thinking about retirement or insurance? I have had the unfortunate experience at times working for multi national insurance companies and I do not recall them trying to get their mits on my wages, when did this happen? For centuries young people have not been able to picture themselves retired or believe that they will be multi-millionaires by this time. By the way, i bet they have a bank account. Hopefully am mentat works it out or, if he is a prosperous employer just continues to give give give to his employees with wild abandon and continues to cheer on any political parties that place more financial burdens on small business where generally the owner has risked all to try and get ahead. Employing people and helping in this way to provide for there families also.
2 weeks ago Darryl Scott
Give Total Rem the flick if KiwiSaver compulsory
As an investor, it is completely unacceptable to me that Total Remuneration continues if compulsion is brought in. It is simply wrong to continue putting downward pressure on salary and wages, particularly for people on minimum wage in a country that aspires to lift wages over time and raise the standard of living for NZers. National will lose my vote as a serious investor if they continue down the Total Remuneration path. No question...
2 weeks ago David Lawton
Give Total Rem the flick if KiwiSaver compulsory
This is just about the only online space outside of Newstalk ZB facebook comments where speaking out against blatant wage theft by multinationals is considered 'PC'. And yet still we wonder why those pesky younger generations of potential customers wholesale refuse to engage with traditional financial services. Couldn't be because our mindsets are stuck in the 1950s - no, it must be the kids who are wrong.
2 weeks ago Ross Alexander