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October 2012
11 Oct 2012 Adviser rejects psychometric risk profiling
11 Oct 2012 Kiwibank extends earthquake package
11 Oct 2012 NZPIF backs IRD on rental business
10 Oct 2012 Vriens joins Dorchester
10 Oct 2012 Changes to KiwiSaver reports
10 Oct 2012 LM calls Trilogy bid opportunistic
10 Oct 2012 The latest to cut rates are...
10 Oct 2012 Mortgagee levels not as bad as reported: Helm
09 Oct 2012 Peer Review: A powerful tool for building better risk recommendations
09 Oct 2012 Another two year rate lowered
09 Oct 2012 New rescue plan for LM Investment funds
09 Oct 2012 SPI investors face tough choice
09 Oct 2012 Rental market softening, Trade Me stats show
09 Oct 2012 Real estate confidence up: BNZ
09 Oct 2012 Auckland-centric boom could spill over: Westpac
09 Oct 2012 Housing affordability improving
09 Oct 2012 Tax decision will concern investors
09 Oct 2012 House price rise slow and steady: QV
08 Oct 2012 Allied Farmers auditor raises concerns
08 Oct 2012 ANZ extends cash offer
08 Oct 2012 News Round Up: October 8
08 Oct 2012 Latest Spring campaign news
08 Oct 2012 Rates round-up: October 8
08 Oct 2012 It's not as bad as we think
08 Oct 2012 Five rental properties a business: IRD
08 Oct 2012 National house price up 6%: REINZ
07 Oct 2012 Transitional period over for unit titles
07 Oct 2012 Greens call for capital gains tax
05 Oct 2012 [Weekly Wrap] Who’ll buy Perpetual?
05 Oct 2012 Westpac has cut four key home loan fixed rates
05 Oct 2012 Westpac latest to move
05 Oct 2012 Swasbrook gone from Foundry
05 Oct 2012 Digital TV a tenant's responsibility: DBH
05 Oct 2012 Hospice house sale beats price expectations
04 Oct 2012 PAA chief executive resigns
04 Oct 2012 New bank goes low
04 Oct 2012 Property a strong investment: RBNZ
03 Oct 2012 Harbour commentary: Spiking the Punchbowl
03 Oct 2012 ASB's astronomical offer
03 Oct 2012 Advisers nervous about risk profiling
03 Oct 2012 Auckland house prices drop: Barfoot
02 Oct 2012 Another Calm Before the Storm?
02 Oct 2012 Perpetual adviser business sale nears
02 Oct 2012 National customers aren't colour blind
02 Oct 2012 Auckland inventory at five-year low
01 Oct 2012 Rates round-up: October 1
01 Oct 2012 Southern Cross launches online policy picker
01 Oct 2012 Perpetual motion
01 Oct 2012 One bank down another up
01 Oct 2012 Fewer sweeteners in industrial deals: Bayleys
01 Oct 2012 Heat off rents in some parts of Auckland
September 2012
30 Sep 2012 Obtaining finance a strictly Auckland issue
28 Sep 2012 [Weekly Wrap] Where are the new advisers coming from?
28 Sep 2012 Grosvenor nabs Goldridge man
28 Sep 2012 Kiwibank makes big cuts
28 Sep 2012 Recruitment outlook bleak
28 Sep 2012 Sovereign v Partners. Who will win?
28 Sep 2012 Little change in construction rates
28 Sep 2012 Leasehold apartments selling at bargain rates
27 Sep 2012 National Bank customers prey for other banks
27 Sep 2012 Partners and Konnect have shareholder in common
27 Sep 2012 Hedging strategies and QEIII
27 Sep 2012 Kiiwbank makes big cuts
27 Sep 2012 Business as usual for National Bank home loan customers: ANZ
27 Sep 2012 Investors return to Auckland CBD
26 Sep 2012 One brand but no difference says ANZ boss
26 Sep 2012 S&P lowers Asian GDP growth forecasts
26 Sep 2012 Out go the BDMs
26 Sep 2012 Another little cut
26 Sep 2012 Mortgagee sales most likely in Auckland: Crockers
25 Sep 2012 Pinnacle seeks new heights with capital raising
25 Sep 2012 The FMA on the CPD debate
25 Sep 2012 The first Spring home loan campaign
25 Sep 2012 Time to clean up this watery mess
25 Sep 2012 Reserves declared for commercial auction
25 Sep 2012 Jones' settlement goes in ex-wife's favour
24 Sep 2012 HSBC kicks off Spring lending campaign
24 Sep 2012 Special events options are an underused tool
24 Sep 2012 News Round Up: September 24
24 Sep 2012 Is the home loan battle moving to a new space?
24 Sep 2012 Banks eye long-term customers
24 Sep 2012 Prices acquire extra importance
21 Sep 2012 Super Fund Guardians gets a new chair
21 Sep 2012 [Weekly Wrap] Maybe shares have better tax treatment than property?
21 Sep 2012 Is the home loan battle moving?
21 Sep 2012 RBNZ targets house prices
21 Sep 2012 Fidelity and AIA poised to go app to the future
21 Sep 2012 AMP research partners under review
21 Sep 2012 Borrowers spoilt for choice
21 Sep 2012 RBNZ targets house prices
21 Sep 2012 Auckland 'still affordable'
21 Sep 2012 Interest rates drive investors into property: Alexander
20 Sep 2012 Strength of Kiwibank’s insurance business revealed
20 Sep 2012 Heartland profit forecast downgraded, but future positive
20 Sep 2012 Trans-Tasman pension transfers gets closer
20 Sep 2012 Water is landlords' responsibility: APIA
20 Sep 2012 Trade Me analysis shows quakes' impact
19 Sep 2012 Rating agency warns about Credit Union North
19 Sep 2012 Australasian shares more tax efficient than cash
19 Sep 2012 Rates down
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