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September 2009
15 Sep 2009 Key all but rules out property capital gains tax
15 Sep 2009 Key all but rules out property capital gains tax
15 Sep 2009 TSB's June quarter profit jumps 25.6%
14 Sep 2009 Rates Round Up
14 Sep 2009 Business Bakery’s Baker boards board
14 Sep 2009 Rumours of a renewed housing bubble greatly exaggerated
14 Sep 2009 Westpac chops home loan interest rates
14 Sep 2009 House prices edging higher: REINZ
14 Sep 2009 REINZ residential highlights - August 2009
14 Sep 2009 Insulation the next leaky fiasco?
14 Sep 2009 News Round Up
14 Sep 2009 ASB's profit and mortgage book grow
11 Sep 2009 Pyne Gould prepares to be a bank
11 Sep 2009 Go pick on someone your own size
11 Sep 2009 In support of advisers
11 Sep 2009 Advisers can't hide in QFEs
10 Sep 2009 Floating rates now a little more attractive
10 Sep 2009 Bank deposit costs soar above wholesale funding, RBNZ says
10 Sep 2009 Sweet comfort for now
10 Sep 2009 ASB's interest rate strategy
10 Sep 2009 Bollard keeps rates unchanged and softens easing bias
10 Sep 2009 Interest rates forecast to stay low
10 Sep 2009 OCR unchanged at 2.5%
10 Sep 2009 Ditch disclosure: Crossan
10 Sep 2009 Gold still a safe bet
10 Sep 2009 Reserve Bank talks down prospect of another housing boom
09 Sep 2009 TSB has lowest six month rate
09 Sep 2009 Ballantyne considers joining dealer group
09 Sep 2009 Extended deposit guarantee scheme law passed
09 Sep 2009 Another credit union gets S&P rating
09 Sep 2009 Huljich sacks KiwiSaver advisers
09 Sep 2009 Diplock defends commission over fin coy failures
09 Sep 2009 Investing made easy: Building solid foundations
08 Sep 2009 Sovereign claims top place in survey
08 Sep 2009 Finance company enquiry not about redress: Dalziel
08 Sep 2009 Home-building lags to eight-year low
08 Sep 2009 Market Review: September 2009 Commentary
08 Sep 2009 Market Review: September 2009 London Commentary
08 Sep 2009 Life insurance caught up in anti-money laundering cycle
08 Sep 2009 Migration continues to be big plus for housing market
07 Sep 2009 ASB continues its argument for rate cut
07 Sep 2009 Dorchester's four steps to survival
07 Sep 2009 Rates Round Up
07 Sep 2009 New chair for ISO
07 Sep 2009 News round-up
07 Sep 2009 QV residential highlights – August 2009
07 Sep 2009 Property values returning to 2008 levels
06 Sep 2009 Differing views on what Bollard say about the OCR this week
04 Sep 2009 Beware the Kiwisaver Bon Brush man
04 Sep 2009 ASB takes floating rate to historical low
04 Sep 2009 More house price rises predicted
04 Sep 2009 KiwiSaver selling practices investigated
03 Sep 2009 Coin toss on rates: Alexander
03 Sep 2009 SBS Bank profits, mortgage book grows
03 Sep 2009 Hills and Valleys of rates
03 Sep 2009 Who should you listen to?
03 Sep 2009 Regulation - Panacea of protection?
03 Sep 2009 Spring adds bounce to Auckland housing market
03 Sep 2009 Practice management: The elevator conversation
03 Sep 2009 QFEs to get super powers
03 Sep 2009 ANZ House Price Index
02 Sep 2009 Huljich does another KiwiSaver deal
02 Sep 2009 Bank account ‘for life' suggested
02 Sep 2009 QFE rules will tie up insurance advisers
02 Sep 2009 St Laurence exits Dorchester
01 Sep 2009 Frozen ING funds cost ANZ National more than expected
01 Sep 2009 Frozen ING funds cost ANZ National more than expected
01 Sep 2009 Marac still has bank aspirations
01 Sep 2009 BNZ makes loss on tax case; mortgage book grows strongly
01 Sep 2009 Craig Ansley back at Russell
01 Sep 2009 ANZ bad loan charges soar; underlying profit rises
August 2009
31 Aug 2009 Chance of rate cut falls on back of survey
31 Aug 2009 Bank discovers investment advice fraud
31 Aug 2009 The Blog is back: So too fin coys
31 Aug 2009 Commercial property plummeting
31 Aug 2009 News round-up
30 Aug 2009 Rates Round Up
30 Aug 2009 Westpac's profit plummets
28 Aug 2009 Pyne Gould, South Canterbury, 'proud southerners,' post losses
28 Aug 2009 NZ building consents rebound in July
28 Aug 2009 Fat Margin
28 Aug 2009 New shareholders at Liontamer
28 Aug 2009 Investment statements need to be ‘relevant’, Power says
27 Aug 2009 S&P gives first building society rating
27 Aug 2009 Women in Super 'After Five' Function
27 Aug 2009 Financial and Investment Advisers Summit
27 Aug 2009 ASFONZ & Women in Super Auckland Industry Breakfast
27 Aug 2009 Opinion: The power of free
27 Aug 2009 Companies slapped with fine over property scheme
26 Aug 2009 Asteron appoints new National Manager, Group Relations
26 Aug 2009 5th Annual Securities Law Update
26 Aug 2009 ASFONZ Education – Introduction to Workplace Savings
26 Aug 2009 ASFONZ & Women in Super Wellington Industry Breakfast
26 Aug 2009 Power to tweak financial advisers and service providers acts
26 Aug 2009 Financial crisis will be different for emerging markets this time
25 Aug 2009 NZF looks to insurance to diversify business
25 Aug 2009 West joins FNZ
25 Aug 2009 Deposit guarantee scheme extended
25 Aug 2009 ASFONZ Education – Introduction to Workplace Savings
25 Aug 2009 Recession no deterrent to KiwiSaver
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