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November 2008
26 Nov 2008 Hanover Roadshow
26 Nov 2008 The bottom may be close: Diversified
25 Nov 2008 Sovereign pushes further into business insurance market
25 Nov 2008 ASFONZ Education – Introduction to Workplace Savings
25 Nov 2008 Leap in Tenancy Tribunal applications
25 Nov 2008 Hanover Roadshow
25 Nov 2008 Hanover Roadshow
25 Nov 2008 ING credit fund on the ropes
24 Nov 2008 BNZ takes rate war to six-month term
24 Nov 2008 Property affordability improves as loan costs fall
24 Nov 2008 News Round Up
24 Nov 2008 Pope joins Loan Market as BDM
24 Nov 2008 BNZ takes rate war to six-month term
22 Nov 2008 [Weekly Wrap] Hanover package one of the better
22 Nov 2008 Shaking up property management
21 Nov 2008 Brook takes from BT and FNZC
21 Nov 2008 Survey shows 100 pt cut highly likely
20 Nov 2008 Brook takes from BT and FNZC
20 Nov 2008 Hanover details plans
20 Nov 2008 My take on Hanover's plan
20 Nov 2008 Rotorua: Hot opportunities
20 Nov 2008 IFA upgrades education rules
19 Nov 2008 Hanover investors learn their options
19 Nov 2008 Practice management: The beliefs that run our lives
19 Nov 2008 Wrightson Finance increases bond sale to $100m
19 Nov 2008 Berry heads up Kiwibank's wealth business
19 Nov 2008 Morningstar changes its view on Brook
19 Nov 2008 Flat-fee property management has come to NZ
18 Nov 2008 Short, yes, but how short?
18 Nov 2008 FPA 2008 National Conference
18 Nov 2008 Market share for life companies
18 Nov 2008 Huljich KiwiSaver not a category one killer
18 Nov 2008 Property sales record slump in first half
17 Nov 2008 News Round Up
16 Nov 2008 SIFA Conference 2008
14 Nov 2008 Geneva founder ousted from board
14 Nov 2008 [Weekly Wrap] Glam in the boardroom
14 Nov 2008 Market bites online victim
14 Nov 2008 New govt brightens outlook for property market
14 Nov 2008 Changes, changes, changes
14 Nov 2008 Strategic in talks with Perpetual & BOS on moratorium
14 Nov 2008 Big changes at Brook
14 Nov 2008 Morrison & Co. may manage funds for Fisher after buy-in
14 Nov 2008 Motor Trade Finance posts annual profit, maintains loan sales
14 Nov 2008 KiwiSaver changes more work
14 Nov 2008 Breaking fixed rate contracts could save you money
14 Nov 2008 [Book] How to Sell a House Fast in a Slow Real Estate Market
13 Nov 2008 Median house price rises in October: REINZ
13 Nov 2008 The Investment Store Roadshow 2008
13 Nov 2008 REINZ residential highlights – October 2008
13 Nov 2008 Orange Insurance squeezed dry
13 Nov 2008 ASFONZ Education – Advanced Investing
13 Nov 2008 Guarantee scheme keeps risk return out of balance
12 Nov 2008 Opinion: A question of coverage
12 Nov 2008 The Investment Store Roadshow 2008
12 Nov 2008 Wrightson Finance to raise up to $75m in bond sale
12 Nov 2008 ASFONZ Education – Best Practice Governance
12 Nov 2008 ASFA 2008
12 Nov 2008 FNZ wrap looks for buyer
12 Nov 2008 SBS records strong investment growth
11 Nov 2008 Borrowing strategies changing
11 Nov 2008 New boss for Russell Investments
11 Nov 2008 ASFONZ Education – Introduction to Investing
11 Nov 2008 St Laurence, Dorchester advance revivals as Strategic waits
11 Nov 2008 Market Review: November 2008 Commentary
11 Nov 2008 Market Review: London November 2008 Commentary
11 Nov 2008 St Laurence rescue plan includes capital and a guarantee
10 Nov 2008 ASFONZ Education – Introduction to Trusteeship
10 Nov 2008 News Round Up
10 Nov 2008 NZ average house price fall 6.8% in October: QV
10 Nov 2008 Main urban areas commentary: QV
07 Nov 2008 FundSource Conference 2008
07 Nov 2008 Be careful about re-entering equity market
07 Nov 2008 Grosvenor End of Year Conference & Awards Dinner
06 Nov 2008 October slow, but prices rebound
06 Nov 2008 November ready for action in market
06 Nov 2008 PIS Strategic Review 2008
06 Nov 2008 Playing the waiting game
06 Nov 2008 Funds Management & Superannuation Trans-Tasman Roadshow
06 Nov 2008 ISI wants guarantee scheme extended
05 Nov 2008 Guardian to restructure cash fund for guarantee
05 Nov 2008 PIS recruits two more to its NZ team
05 Nov 2008 Magellan Roadshow
05 Nov 2008 Waikato: A bellweather property market?
05 Nov 2008 Floating rates find legs
05 Nov 2008 Funds Management & Superannuation Trans-Tasman Roadshow
05 Nov 2008 Tax relief key to KiwiSaver
05 Nov 2008 ASB first big bank to get guarantee
04 Nov 2008 VTL directors resign; Company in receivership
04 Nov 2008 Fidelity Life reports record profit
04 Nov 2008 IRD starts crackdown on property investors' LAQCs
03 Nov 2008 Marac MD to step down
03 Nov 2008 News Round Up
October 2008
31 Oct 2008 [Weekly Wrap] Fund and games
31 Oct 2008 New wealth manager for Macquarie
31 Oct 2008 More rental properties needed
31 Oct 2008 Private landlords to play greater role
31 Oct 2008 Asteron's Stone looking for new high
31 Oct 2008 Managed fund mayhem muted
31 Oct 2008 Asteron's Stone looking for new high
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