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January 2013
25 Jan 2013 Greens' scheme slammed
24 Jan 2013 Integration creates insurance-specific CRM
24 Jan 2013 BNZ scheme may bring bank sales issue to a head
24 Jan 2013 IFA conference planning criticised
24 Jan 2013 Green Party calls for stricter tenancy laws
24 Jan 2013 Housing market heat infectious: ANZ
23 Jan 2013 Emerging markets show long-term gain
23 Jan 2013 Market surge sparks bubble warning
23 Jan 2013 Forex broker charged
23 Jan 2013 High-profile courses cancelled
23 Jan 2013 Humiliation for Heatley
22 Jan 2013 Bumper year for KiwiSaver growth funds
22 Jan 2013 Sovereign gets a new CEO
22 Jan 2013 BNZ registers KiwiSaver scheme
22 Jan 2013 Westpac special but no cash back
22 Jan 2013 Regulation prepares advisers for ‘new normal’
22 Jan 2013 Heatley loses Housing
22 Jan 2013 Council heralds construction lift
21 Jan 2013 Crown funds at their limit with NZ shares
21 Jan 2013 Two biggest broker groups to join
21 Jan 2013 The first rates changes of 2013 and a merger
21 Jan 2013 Capital gains tax support: Poll
21 Jan 2013 Government predicts house price boom
18 Jan 2013 ASB pushes out date for OCR increase
18 Jan 2013 Advisers (and Accuro) love animals
18 Jan 2013 Six in a row for Sovereign
18 Jan 2013 Cynicism towards fund research misplaced
18 Jan 2013 [Weekly Wrap] Clarity needed
18 Jan 2013 Cigna boss takes on international role
18 Jan 2013 Looking back 20 years
18 Jan 2013 Price rises to become sharper: Alexander
18 Jan 2013 CVs no price guide: Newland
18 Jan 2013 Mortgage approvals at 2009 levels
17 Jan 2013 TOWER Life sale rumours increase
17 Jan 2013 NZ managers: Hands off the printing presses
17 Jan 2013 FMA considering guidance on low-end advice
17 Jan 2013 Ex-Fisher CIO launches KiwiSaver scheme
17 Jan 2013 Lifestyle sales hit five-year high
16 Jan 2013 HNZ 'referring clients to Salvation Army'
16 Jan 2013 Property a productive investment: Newland
15 Jan 2013 Second AFA loses licence
15 Jan 2013 Muldoon’s legacy still haunting advisers
15 Jan 2013 In the absence of openness, assume the worst
15 Jan 2013 Auctions big news of 2012: REINZ
15 Jan 2013 Short-term interest rates looking good
14 Jan 2013 Small adviser documents ‘realistic’
14 Jan 2013 Rental listings up, interest down: Trade Me
14 Jan 2013 Newland slams Trade Me stats
11 Jan 2013 Harbour Monthly Commentary: Stronger global growth signals
11 Jan 2013 Advisers need to escape regulation bubble
11 Jan 2013 Listings restrain growth: Bayleys
10 Jan 2013 New code of conduct
10 Jan 2013 House prices up as Auckland leads the way
10 Jan 2013 Stock picking beyond most AFAs
10 Jan 2013 200 properties on market since before 2008
09 Jan 2013 A dubious first for David Ross
09 Jan 2013 The AFA without products
09 Jan 2013 Meetings on seismic policy
09 Jan 2013 Building consents trend up
08 Jan 2013 Bank expects action on the housing boom this year
08 Jan 2013 The Brook Income Fund
08 Jan 2013 Brook: Lights dimming on our “bright fibre future”
08 Jan 2013 What advisers want to see in 2013
08 Jan 2013 Bach sales a barometer for economy
08 Jan 2013 Listings lag despite price rise: Barfoot
07 Jan 2013 Tyndall Monthly Commentary: The expectations gap
07 Jan 2013 Third piece of Pie due in April
07 Jan 2013 Big moves unlikely in deposit rates
07 Jan 2013 Insurance advisers warned against cancellation cash grabs
07 Jan 2013 No summer slowdown in real estate market
04 Jan 2013 Coffee cup cure for economy
04 Jan 2013 Value of KiwiSaver first-home boost revealed
04 Jan 2013 Dearth of listings in Auckland: Report
03 Jan 2013 Perpetual on verge of becoming trans-Tasman business
03 Jan 2013 Smaller profit in small homes: Colliers
December 2012
31 Dec 2012 Why advisers should take notice of housing
31 Dec 2012 First-time buyers told: Start small
30 Dec 2012 Advisers offered opportunity to net life sales
28 Dec 2012 The KiwiSaver conundrum
28 Dec 2012 Rent jump for city homes
27 Dec 2012 Little for advisers in trans-Tasman portability
27 Dec 2012 Think about cashflow: NZPIF
24 Dec 2012 Two big events before Xmas
24 Dec 2012 What pushed your buttons this year?
24 Dec 2012 Forget the malls for Boxing Day bargains
24 Dec 2012 Mortgagee sales decline
21 Dec 2012 Interest rate predictions for 2013
21 Dec 2012 AM Best affirms Cigna rating
21 Dec 2012 Specials all but gone
21 Dec 2012 No nasty surprises for NZ QROPS
21 Dec 2012 Complete our survey and win
21 Dec 2012 Migration turns positive: Westpac
20 Dec 2012 OnePath says sayonara to sign-off
20 Dec 2012 Complete our survey and win
20 Dec 2012 Low-end investors missing out on advice
20 Dec 2012 GST changes clear up bach rules
20 Dec 2012 Boom not just Auckland: ANZ
19 Dec 2012 One lender shuts up shop
19 Dec 2012 Landlord Tribunal experiences surveyed
18 Dec 2012 AFAs unhappy with regulation
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.
1 week 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.
1 week 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