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August 2007
06 Aug 2007 Adviserlink - Advice Process III: Presenting the Recommendation
06 Aug 2007 Capital Guaranteed Investments Seminar
06 Aug 2007 Asteron National Roadshow
06 Aug 2007 Asteron National Roadshow
06 Aug 2007 News Round Up
06 Aug 2007 Nelson: Getting it right
06 Aug 2007 Who says Auckland is short of land?
03 Aug 2007 Tower alters premiums
03 Aug 2007 Weekly Wrap:
03 Aug 2007 Tenants playing the system for free rent
03 Aug 2007 Not many 'responsible' KiwiSaver investment options: Greens
03 Aug 2007 AGRI Fund appoints Stuart Nattrass as ceo
03 Aug 2007 Melview planning more property development in Central Otago
02 Aug 2007 BNZ talks down housing market crash
02 Aug 2007 Manakau property tax doomed to fail – REINZ
02 Aug 2007 Details of Bridgecorp gloom
02 Aug 2007 Survey finds advisers ignore true value
02 Aug 2007 Gauges give mixed view of property market
01 Aug 2007 Auckland house prices ease but rents rising
01 Aug 2007 Bridgecorp report amazing reading
01 Aug 2007 A Tower MD moves to GE
01 Aug 2007 Country lifestyle popularity gaining on city life: survey
July 2007
31 Jul 2007 Bridgecorp receivers have bad news for investors
31 Jul 2007 Capital Guaranteed Investments Seminar
31 Jul 2007 Key touts investment tax cuts as Kiwi saviour
31 Jul 2007 Further OCR hikes predicted
31 Jul 2007 Building consent numbers still high
30 Jul 2007 Trust has big profit turnaround
30 Jul 2007 Capital Guaranteed Investments Seminar
30 Jul 2007 Rates updates and more
30 Jul 2007 News Round Up
30 Jul 2007 John Palmer appointed to AMP Board
30 Jul 2007 Chinks showing in housing market
29 Jul 2007 Bridgecorp and advisers
27 Jul 2007 Mates rates from Instant Finance
27 Jul 2007 Housing market still growing despite rate hikes
27 Jul 2007 Introducing Adviser Pulse
27 Jul 2007 Introducing Adviser Pulse
27 Jul 2007 Key touts investment tax cuts as Kiwi saviour
27 Jul 2007 Commission remains evergreen issue
27 Jul 2007 Adviser commissions dominate discussion
27 Jul 2007 BT appoints new manager
26 Jul 2007 Goodman Property Trust’s record year
26 Jul 2007 Bollard raises rates but suggests he may be done
26 Jul 2007 FPA boss urges IFA to take lead on regulation
26 Jul 2007 MPS announcement
26 Jul 2007 Reserve Bank raises official cash rate (OCR) to 8.25%
26 Jul 2007 OCR up to 8.25%
25 Jul 2007 IFA 2007 Success Forum
25 Jul 2007 Hedge funds not for retail investors: Association
25 Jul 2007 Tower appoints NZ equity analyst
25 Jul 2007 Omnimax has new risk package
25 Jul 2007 Growing shortage of top end city apartments
24 Jul 2007 ANZ slams ring fencing proposal
24 Jul 2007 Alternative Investment Summit 2007
24 Jul 2007 Roll up, roll up: Grosvenor on the growth trail
24 Jul 2007 Businesses should consider paying rent
23 Jul 2007 Migration drop will slow housing market
23 Jul 2007 Working party make-up
23 Jul 2007 News Round Up
23 Jul 2007 Rates updates and more
22 Jul 2007 Bollard likely to raise rates despite political pressure
22 Jul 2007 Rotorua Weather
20 Jul 2007 Weekly Wrap: Concerns all week
20 Jul 2007 Hedge funds urge calm as Basis crisis deepens
20 Jul 2007 Three big banks to cut commissions
20 Jul 2007 WRF appoints new MD
19 Jul 2007 First KiwiSaver provider performance rankings
19 Jul 2007 Small business duped over KiwiSaver
19 Jul 2007 ASFONZ / Women in Super Industry Breakfast
19 Jul 2007 Independent property managers hit back
19 Jul 2007 Soaring dollar hurting investors
19 Jul 2007 Tax treatment of income protect being debated
19 Jul 2007 Rate falls an illusion
19 Jul 2007 Property sector still strong in Manawatu
18 Jul 2007 Time to come clean on KiwiSaver fees
18 Jul 2007 KiwiSaver still lacks widespread engagement
18 Jul 2007 Rate falls an illusion
18 Jul 2007 Belgrave aims for more conservative investors
18 Jul 2007 Property managers slam reform proposals
17 Jul 2007 New capital protected player
17 Jul 2007 Lots of changes at Sovereign
17 Jul 2007 Rising rates kill market: Bank
16 Jul 2007 Investors buy into new community at The Lakes
16 Jul 2007 Deposit rates news briefs
16 Jul 2007 News Round Up
14 Jul 2007 Weekly Wrap:
13 Jul 2007 ING Life Conference 2007
13 Jul 2007 Sec Comm suspended Bridgecorp's prospectus days before collapse
13 Jul 2007 First NZ Capital announce 2 appointments
12 Jul 2007 Continuous disclosure required
12 Jul 2007 Sec Comm suspended Bridgecorp's prospectus days before collapse
12 Jul 2007 Guardian Trust taking over Compass Capital
12 Jul 2007 Cricketer owes, Petricevic gone
12 Jul 2007 Industry reforms should cover property managers, says REINZ
12 Jul 2007 Property market at top of cycle: Martin Hawes
12 Jul 2007 Plan B looks for FAME in NZ
12 Jul 2007 Aussie mutual into KiwiSaver
11 Jul 2007 Property market slip or blip?
11 Jul 2007 KiwiSaver can affect property loans
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