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August 2008
15 Aug 2008 Allco Hit, Strategic bidders reach preliminary agreement
15 Aug 2008 Research: Stepped vs level – there's more than one right answer
15 Aug 2008 Broadbase narrows to three
15 Aug 2008 Economists unanimous on rate cut
14 Aug 2008 ASFONZ Education – Advanced Investing
14 Aug 2008 More cuts need to lift confidence: Macquarie
14 Aug 2008 Home loan report: On the home straight for cuts?
14 Aug 2008 Home loan report: On the home straight for cuts?
13 Aug 2008 Mortgage brokers start selling KiwiSaver
13 Aug 2008 Breakfast with the Economists 2008
13 Aug 2008 ASFONZ Education – Best Practice Governance
13 Aug 2008 Govt supports Commissioner of Financial Advisers
13 Aug 2008 Fundit focuses on brokers
13 Aug 2008 ING complaints queuing up at Banking Ombudsman
12 Aug 2008 ISO overhaul urged in five-year review
12 Aug 2008 Property market recovers in July: REINZ
12 Aug 2008 Residential Highlights – July 2008
12 Aug 2008 Breakfast with the Economists 2008
12 Aug 2008 ASFONZ Education – Introduction to Investing
12 Aug 2008 Advisory groups growing
12 Aug 2008 Book: A Greener House
11 Aug 2008 ASFONZ Education – Introduction to Trusteeship
11 Aug 2008 What's happening to house prices in your region?
11 Aug 2008 Property values continue to decline: QV
10 Aug 2008 Mortgage brokers likely to escape tougher regulation
10 Aug 2008 News Round Up
08 Aug 2008 KNOCKOUT: Creating coupons from equities
08 Aug 2008 Should the rules around property change?
08 Aug 2008 St Laurence Roadshow 2008
08 Aug 2008 Luke warm response to new proposal
07 Aug 2008 Strategic suspends redemptions
07 Aug 2008 Finance firm failures claim new victim: Axis quits ratings
07 Aug 2008 Change of plans but are we there yet?
07 Aug 2008 Market Review: August 2008 Commentary
07 Aug 2008 A partial recovery ahead?
07 Aug 2008 AXA insurance sales up 15%
07 Aug 2008 St Laurence Roadshow 2008
07 Aug 2008 Select Committee second report
07 Aug 2008 More tiers for advisers as committee redefines bill
07 Aug 2008 Brook directors step down
07 Aug 2008 Home loan report: Fragile market
07 Aug 2008 Tranzact recruits one more for the advice roundtable
07 Aug 2008 The NZ Mortgage Mag – Up for grabs
06 Aug 2008 Home loan report: Fragile market
06 Aug 2008 Auckland house prices fell in July
06 Aug 2008 St Laurence Roadshow 2008
06 Aug 2008 Opinion: Did your first love scar you for life?
06 Aug 2008 Accuro appoints former AXA manager as CEO
06 Aug 2008 Lost Aussie super could add $5bn to KiwiSaver
05 Aug 2008 St Laurence Roadshow 2008
05 Aug 2008 St Laurence Roadshow 2008
05 Aug 2008 Book: Forecasting for Real Estate Wealth
04 Aug 2008 Tower's Blue Box sent packing
04 Aug 2008 Hanover updates advisers on progress
04 Aug 2008 AXA halts wholesale withdrawals from $229m MBS fund
04 Aug 2008 AXA halts wholesale withdrawals from $229m MBS fund
04 Aug 2008 New adviser at Westpac
04 Aug 2008 St Laurence Roadshow 2008
04 Aug 2008 Sales climbed, prices slipped
04 Aug 2008 August issue - available now
04 Aug 2008 News Round Up
04 Aug 2008 Toolbox: Xero for property investors
01 Aug 2008 Weekly Wrap: Winter of discontent continues
01 Aug 2008 Surviving the downturn
01 Aug 2008 Agents bill heads towards law
01 Aug 2008 AMP puts property fund in the freezer
01 Aug 2008 Rising rents affecting owner occupation
01 Aug 2008 Fund flow weak
01 Aug 2008 Dyer's new circumstances at ACC
01 Aug 2008 AMP puts property fund in the freezer
July 2008
31 Jul 2008 CBS comfortably riding out recession
31 Jul 2008 ING Life pays first Herceptin claim
31 Jul 2008 Do not over-regulate advisers: Power
31 Jul 2008 Home loan report: Rate cut provides lid
30 Jul 2008 Tower appoints KiwiSaver bdm
30 Jul 2008 Bollard defends inflation targeting as economy shrinks
30 Jul 2008 Rate cut provides lid
30 Jul 2008 Women in Super industry mid-winter lunch
30 Jul 2008 New website a one stop shop or waste of time?
30 Jul 2008 ANZ National bad loans rise, but book strong
30 Jul 2008 Gould closes deal on Vestar's better half
29 Jul 2008 Trustee closes mortgage fund
29 Jul 2008 We've seen it all before...but it still hurts
29 Jul 2008 Growth in health insurance predicted to be flat
29 Jul 2008 Dalziel explains why APB model canned
28 Jul 2008 St Laurence Roadshow 2008
28 Jul 2008 Curtin now deputy at Commission
28 Jul 2008 News Round Up
25 Jul 2008 Newpark not selling: Gannon
25 Jul 2008 Mexican stand-off easing?
25 Jul 2008 St Laurence Roadshow 2008
25 Jul 2008 AIG looking for more growth
25 Jul 2008 Double hit for Hanover
25 Jul 2008 GE talks of the difficulty in NZ mortgage market
25 Jul 2008 Toolbox: Mapping for treasure
24 Jul 2008 Lots of big changes at AIG
24 Jul 2008 St Laurence Roadshow 2008
24 Jul 2008 OCR announcement
24 Jul 2008 Bollard cites unpleasant news as he slashes interest rates
24 Jul 2008 OCR reduced to 8.00%
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