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July 2009
09 Jul 2009 Floating rates calm - for now
09 Jul 2009 ASFONZ & Women in Super Industry Breakfast
09 Jul 2009 Spicers bumps advisers but keeps Gould ones
09 Jul 2009 BondWatch still has a future in new world
08 Jul 2009 Banks likely to 'tough it out'
08 Jul 2009 Opinion: Where risk comes from
08 Jul 2009 Changes to PIE tax regime
07 Jul 2009 South Canterbury Finance gets S&P warning
07 Jul 2009 No need to go floating
07 Jul 2009 Finance ministers to look at super portability
07 Jul 2009 Market Review: July 2009 Commentary
07 Jul 2009 Market Review: July 2009 London Commentary
07 Jul 2009 ASFONZ & Women in Super Industry Breakfast
07 Jul 2009 FundSource produces first research report
07 Jul 2009 Council rates scheme pays for insulation
07 Jul 2009 Property managers avoid more regulation
06 Jul 2009 Farmers prepare to square off against banks
06 Jul 2009 Westpac backs off rates cut prediction
06 Jul 2009 Lombard auditor questions value of debentures
06 Jul 2009 Bank fixed-lending rates 'reasonable', floating rates could fall
06 Jul 2009 Lombard to become kiwi shell for Aussie insurer
06 Jul 2009 Rates Round Up
06 Jul 2009 Communication key to financial literacy
06 Jul 2009 Urban area commentary - June 2009
05 Jul 2009 Property values increase as sales decline
03 Jul 2009 [Weekly Wrap] A week of submissions, discussions and disclosures
03 Jul 2009 Public Trust reorganising mortgage business
03 Jul 2009 Hubbard injects $40m into SCF
03 Jul 2009 Auckland home sales rise in June as prices dip
03 Jul 2009 Losing lustre
03 Jul 2009 F&P Finance ups long rates
03 Jul 2009 Glut of documents could hinder due diligence, IFA says
02 Jul 2009 S&P happy with Hubbard
02 Jul 2009 Leading Canterbury mortgage broker moves to Viva
02 Jul 2009 Mortgage Link recognises its champions
02 Jul 2009 Record numbers of auctions
02 Jul 2009 Spheres of influence revealed
02 Jul 2009 Short term rates cheap
02 Jul 2009 MED puts out paper on financial adviser disclosure
02 Jul 2009 Associated persons
02 Jul 2009 MortgageWatch: Smaller lenders move rates
01 Jul 2009 Equities find favour with managers
01 Jul 2009 Conservative approach the way for Geneva and St Laurence
01 Jul 2009 MPs decides against interest rate inquiry
01 Jul 2009 Practice management: From success to significance
01 Jul 2009 Former Richmastery company in liquidation
01 Jul 2009 Suncorp: Life doesn't mean life
June 2009
30 Jun 2009 Privacy Commissioner warns insurers over medical records
30 Jun 2009 KiwiSaver turns two
30 Jun 2009 SBS's March quarter profit jumps despite ballooning bad loan charges
30 Jun 2009 Awarding advisers of the future
30 Jun 2009 Unit Titles Bill makes management easier
30 Jun 2009 Providers need to win back public trust: English
29 Jun 2009 Forecasts predict longer term interest rates may rise
29 Jun 2009 Westpac's profit plunges as charges for bad loans soar
29 Jun 2009 Building approvals climb again, helped by rates
29 Jun 2009 News round-up
28 Jun 2009 Bill to force disclosure of break fees
28 Jun 2009 Positive endorsement for property market
28 Jun 2009 Rates Round up
26 Jun 2009 [Weekly Wrap] So, what do you think?
26 Jun 2009 Mortgagees back in vogue?
26 Jun 2009 AIG separation moves closer
26 Jun 2009 Health insurers boost premium income amid rising claims
26 Jun 2009 Hedging not such a big issue for NZ managers
25 Jun 2009 Immigrants not all good news for market
25 Jun 2009 Time to revolt?
25 Jun 2009 Long queue forms for complaints schemes
25 Jun 2009 Cash Flow Forecaster CD Software
24 Jun 2009 Certainty comes at a cost for home loans, warns ASB
24 Jun 2009 ANZ's bottom line drops, but interest income up
24 Jun 2009 Kingfish introduces quarterly dividends
24 Jun 2009 Com Com gives message to ING investors
24 Jun 2009 Com Com gives message to ING investors
24 Jun 2009 Opinion: What is trauma for?
24 Jun 2009 IRD cuts through AMP, PIMCO currency hedge
23 Jun 2009 Bank defends its pricing of mortgages
23 Jun 2009 No govt guarantee spells end for trust
23 Jun 2009 Housing set to prosper on strong migration
23 Jun 2009 The best two year rates
23 Jun 2009 Home loan interest rates are lower than they were 12 months ago
23 Jun 2009 Mortgage Watch: TSB flavour of the week
22 Jun 2009 Advice a one-in-five event, study finds
22 Jun 2009 Economists back to normal: they don't agree
22 Jun 2009 News round-up
22 Jun 2009 Economic times provide great opportunities: Free Webcast
21 Jun 2009 Rates Round Up
20 Jun 2009 Other banks unlikely to follow TSB
19 Jun 2009 Where to for home loan rates?
19 Jun 2009 [Weekly Wrap] DominatING headlines again
19 Jun 2009 Solving the ING Rubik’s cube
19 Jun 2009 Some explanations from BNZ
19 Jun 2009 Days of earning commission numbered: Arkinstall
19 Jun 2009 BNZ mortgage book grows, profit falls
18 Jun 2009 Complaints prompt Securities Commission to warn ING investors
18 Jun 2009 New paper on regulating advisers out
18 Jun 2009 Banks back insulation scheme
18 Jun 2009 Two up for Triplejump
18 Jun 2009 KiwiSaver funds back in black
18 Jun 2009 Deposit rates delaying property price recovery
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