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October 2016
05 Oct 2016 Advisers need advertising campaign
05 Oct 2016 Pension transfers may get cheaper
05 Oct 2016 Auckland market 'totally different'
04 Oct 2016 ACC lauds investment team
04 Oct 2016 Shifting investor activity
04 Oct 2016 Investors face cancellation of pre-approvals
04 Oct 2016 The danger of FOMO
04 Oct 2016 New Zealand 'has conflict problem'
04 Oct 2016 Rebrand part of digital investment for FNZC
03 Oct 2016 New LVR rules kick in
03 Oct 2016 BNZ hikes Special rate
03 Oct 2016 AA enters health insurance market with nib
03 Oct 2016 Client best interests: Part Two
03 Oct 2016 New LVR rules kick in
03 Oct 2016 Opportunities in Christchurch North
01 Oct 2016 No spring lift for property market: Realestate.co.nz
September 2016
30 Sep 2016 Home loan growth picks up pace
30 Sep 2016 ANZ fee reduction praised
30 Sep 2016 Building consents flat line
30 Sep 2016 Harmoney launches automated service
30 Sep 2016 How come people buy houses when they are so expensive?
30 Sep 2016 The “Affordability” of Unaffordable Homes
30 Sep 2016 FPH trading under trial spotlight
30 Sep 2016 Another banker joins FMA board
30 Sep 2016 KiwiSaver providers consider private investments
29 Sep 2016 Hansa potentially another Ponzi
29 Sep 2016 One and two year fixed rates preferred
29 Sep 2016 OnePath downgraded
29 Sep 2016 Partners reinstates up-front commission on health insurance
29 Sep 2016 Zoning appeal to impact on development
29 Sep 2016 Getting clarity on market manipulation
29 Sep 2016 Booster KiwiSaver passable, Morningstar says
29 Sep 2016 SHARE adds advisers
29 Sep 2016 Investors carry loans for longer
28 Sep 2016 New numbers on real estate activity
28 Sep 2016 Fees in dollar terms? Easier said than done
28 Sep 2016 Advisers a small number of IFSO complaints
28 Sep 2016 Trades get all-clear from 'world leader'
28 Sep 2016 Incomes key to stability of price rises: ANZ
28 Sep 2016 Kiwis still planning to buy, expect to pay more
27 Sep 2016 Carr steps down as RBNZ chair
27 Sep 2016 New additions to Camelot team
27 Sep 2016 Significant disclosure 'still lacking'
26 Sep 2016 Fight won't go to court
26 Sep 2016 Steep decline in investor lending
26 Sep 2016 Warminger faces $1m penalty per trade
26 Sep 2016 Central banks not ready to throw in the towel
26 Sep 2016 All quiet on the rates front; Enjoy the low rates
26 Sep 2016 Westpac keeping eye on Australian sales incentive change
26 Sep 2016 Commission ban 'errant nonsense'
26 Sep 2016 Concern non-underwritten products not well explained
25 Sep 2016 Invitation to IML’s new Listed Investment Company (QV Income) pre IPO briefing
23 Sep 2016 Are things you never use worth buying?
23 Sep 2016 Investors look to commercial market
23 Sep 2016 Resimac tightens rules for investors
23 Sep 2016 Why get into commercial?
23 Sep 2016 Dormant products drive replacement business: Adviser
23 Sep 2016 All systems go for NZ economy
22 Sep 2016 Harmoney offers bigger loans
22 Sep 2016 Slower consent process for Aucklanders
22 Sep 2016 OCR call sticks to the script
22 Sep 2016 What the Reserve Bank said today
22 Sep 2016 OCR remains the same; Here's what Wheeler said today
22 Sep 2016 Robo an opportunity
22 Sep 2016 FMCA a big blow for workplace super
22 Sep 2016 OCR call sticks to the script
21 Sep 2016 Top five rental hot spots
21 Sep 2016 Volatility hits NZ Super Fund
21 Sep 2016 Volatility hits NZ Super Fund
21 Sep 2016 Craigs schemes get rebrand
21 Sep 2016 Elevated migration the trend - for now
20 Sep 2016 Squirrel looking for more opportunities
20 Sep 2016 Ethics can't be left to rules: Report
20 Sep 2016 NZ’s rental growth hotspots
20 Sep 2016 Appeals could hold up Unitary Plan
20 Sep 2016 Lifetime joins AMP network
20 Sep 2016 Aussie property fund open to NZ
20 Sep 2016 Milford: Warminger's decision to fight FMA a personal one
19 Sep 2016 Appeals could delay Plan
19 Sep 2016 Work to change fee disclosure
19 Sep 2016 Hawes and Forsyth Barr launch 'Summer' KiwiSaver
19 Sep 2016 Grosvenor goes: Booster arrives
19 Sep 2016 OCR predictions: What the experts are tipping
19 Sep 2016 Fidelity appoints directors
19 Sep 2016 ASB watching robotics development
19 Sep 2016 Information returns due
19 Sep 2016 Fed increase 'would alarm'
16 Sep 2016 Aucklander banned from financial services
16 Sep 2016 OCR cut not on the cards - yet
16 Sep 2016 In case you missed it
16 Sep 2016 Dream team: 120 properties in 12 years
16 Sep 2016 Strong retail demand for ETFs
16 Sep 2016 Advisers not sitting on gold mines
15 Sep 2016 Vanguard open to KiwiSaver request
15 Sep 2016 Solid GDP means OCR cut on hold
15 Sep 2016 Rental damage law change needed
15 Sep 2016 Kiwibank terms agreed
15 Sep 2016 Severe lack of supply pushing house prices
15 Sep 2016 Infrastructure fund open to Kiwis
15 Sep 2016 Plan for the worst
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