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February 2016
03 Feb 2016 Finding new ideas to refresh your marketing
03 Feb 2016 Sorted site redesigned
03 Feb 2016 Harmoney switches to real-return reporting
03 Feb 2016 Retirement Income policy a month-by-month approach
02 Feb 2016 ASB launches KiwiSaver calculator
02 Feb 2016 FAA forums booked out
02 Feb 2016 Retirement income policy review terms tabled
02 Feb 2016 Finding new ideas help refresh your marketing
02 Feb 2016 Mike Pero gets new boss
02 Feb 2016 More apply for CFA status
02 Feb 2016 Compliance skills in demand
02 Feb 2016 No end in sight for shortage
01 Feb 2016 Former NZHL boss to head up Liberty
01 Feb 2016 AML360 recognised
01 Feb 2016 Mike Pero and Liberty get a new boss
01 Feb 2016 Kiwibank makes changes
01 Feb 2016 New industry body proposed
01 Feb 2016 Advisers told: Don't gamble on forex
01 Feb 2016 Tauranga: The lure of the golden hue
January 2016
29 Jan 2016 SBW returns to Australia
29 Jan 2016 Investor lending recovers
29 Jan 2016 Halo effect caution
29 Jan 2016 Lifetime Income launches
28 Jan 2016 Following the halo
28 Jan 2016 RBNZ signals OCR cuts looming
28 Jan 2016 What the Reserve Bank said to start the year
28 Jan 2016 No change to OCR. Here's what was said
28 Jan 2016 40pc of insurance applications slipping through cracks
28 Jan 2016 Decisions still pending on FADC referrals
27 Jan 2016 Changes at top at ANZ
27 Jan 2016 Govt committed to Auckland supply issue
27 Jan 2016 ANZ gets new head of Wealth
27 Jan 2016 [Carey Church] Time to widen debate on FAA Options paper
27 Jan 2016 NZ economic outlook downgraded
27 Jan 2016 Investors ask: Where are the loans?
27 Jan 2016 Confidence in Auckland housing market drops
27 Jan 2016 Don't expect Super Fund returns to continue
27 Jan 2016 More volatility to come
26 Jan 2016 Southern Cross to fund preventative treatment
26 Jan 2016 Workplaces may become battlegrounds for advisers
26 Jan 2016 First-home withdrawal function not purist but valuable, providers say
26 Jan 2016 Profiles revisited
25 Jan 2016 Make your voice heard
25 Jan 2016 No quick fix for affordability issue
25 Jan 2016 No cuts predicted for OCR this week
25 Jan 2016 OCR cuts to come – but not now
25 Jan 2016 Mixed fortunes in pension transfer market
22 Jan 2016 Draft new code revealed
21 Jan 2016 Rental market favours tenants
21 Jan 2016 Stress testing better option than risk indicators: James
20 Jan 2016 Risk-taking pays off
20 Jan 2016 Regions setting market pace
20 Jan 2016 Auto-enrolment would only add 5% to KiwiSaver: Report
20 Jan 2016 Profits take flight with Airbnb
20 Jan 2016 Record highs for regions
19 Jan 2016 Investing in holiday dreams
19 Jan 2016 Red tape hurdles
19 Jan 2016 Concern adviser numbers will fall
18 Jan 2016 Banks and resource exposure
18 Jan 2016 Battling red tape
18 Jan 2016 Outlook for the Year of the Monkey
18 Jan 2016 New special rates
18 Jan 2016 Risks indicators an education tool
15 Jan 2016 Moderation on the cards - Fitch
15 Jan 2016 Kiwis don't want to pay for advice
15 Jan 2016 SBS interim boss named
15 Jan 2016 Lifetime income rates a drawcard
14 Jan 2016 Bay of Plenty picking up heat
14 Jan 2016 Bay of Plenty hits new high
14 Jan 2016 Five-year KiwiSaver break too long
14 Jan 2016 Clients want advice, don't want to pay for it
13 Jan 2016 Auckland market taking a breather – QV
13 Jan 2016 Risky business
13 Jan 2016 Blue skies ahead
13 Jan 2016 Roboadvice an opportunity for advisers
12 Jan 2016 Harmoney chair steps down
12 Jan 2016 Cheaper interest rates don't mean more affordable housing
12 Jan 2016 Return to reality for market
12 Jan 2016 Life insurance code 'could work'
12 Jan 2016 Dick Smith a lesson in risk
11 Jan 2016 Return to a “realistic” market
11 Jan 2016 Lending Crowd soft launches
11 Jan 2016 Building consents up nationwide
11 Jan 2016 New rules coming for Aussie advisers
09 Jan 2016 Forums to discuss 'contentious' FAA overhaul
08 Jan 2016 Concern expected at entity licensing proposal
07 Jan 2016 Crowdfunding site moves into P2P
07 Jan 2016 SBS boss dies
07 Jan 2016 A few worrying things
07 Jan 2016 Tailor your mortgage news
07 Jan 2016 SBS chief exec dies
07 Jan 2016 Listings fall, prices hold firm
07 Jan 2016 Harmoney increases borrowers' interest rates
07 Jan 2016 KiwiSaver well-positioned for 2016
06 Jan 2016 Market turmoil creates knock-on effect
06 Jan 2016 Advisers can step up in market volatility
06 Jan 2016 Prices on hold as listings fall
05 Jan 2016 Interest rates predicted to drop further in 2016
05 Jan 2016 Insurance site set to launch
05 Jan 2016 Active management tipped as key in 2016
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