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March 2007
27 Mar 2007 Deposit rate news briefs
27 Mar 2007 Money Managers makes new appointment
26 Mar 2007 Strategic all go with Allco
26 Mar 2007 AIA Roadshow 2007
26 Mar 2007 AIA Roadshow 2007
26 Mar 2007 News Round Up
26 Mar 2007 Renters’ confidence at an all-time low
25 Mar 2007 The red bank goes green
23 Mar 2007 IFA Roadshow
23 Mar 2007 AIA Roadshow 2007
23 Mar 2007 IFA Roadshow - BOP
23 Mar 2007 Weekly Wrap: Regulatory changes to impact advisers
23 Mar 2007 Homeowners shrug off rate rise
23 Mar 2007 New challenges for advisers
23 Mar 2007 New BDM for Hanover
22 Mar 2007 AIA Roadshow 2007
22 Mar 2007 AXA changes commission structures on life products
22 Mar 2007 Tax changes prompt trust wind up
22 Mar 2007 Aggressive OCR cuts not till 2009
21 Mar 2007 Do the Nat agree on Super?
21 Mar 2007 AIA Roadshow 2007
21 Mar 2007 The burning Super issues
21 Mar 2007 Be careful with new tax rules
20 Mar 2007 BNZ starts new campaign for mortgage business
20 Mar 2007 FAB's Canton logs off
20 Mar 2007 Optimism running high with property investors
20 Mar 2007 AIA Roadshow 2007
20 Mar 2007 AIA Roadshow 2007
20 Mar 2007 Arcus starts to get bearish
19 Mar 2007 Deposit rate news briefs
19 Mar 2007 Commission bans finance company
19 Mar 2007 House prices pushed up by tax and interest rates
19 Mar 2007 Adviserlink - Personal Risk Management Course
19 Mar 2007 AIA Roadshow 2007
19 Mar 2007 Warning over loose lending rules
19 Mar 2007 Property market breaks record for February
19 Mar 2007 Fund Managers Otago appoints senior lending manager
19 Mar 2007 News Round Up
16 Mar 2007 Weekly Wrap: Super Duper
16 Mar 2007 Compulsory Super? Forget it
16 Mar 2007 Sovereign makes insurance applications easier
16 Mar 2007 Second Muslim mortgage offering
15 Mar 2007 2007 ASFONZ PIE Warmer
15 Mar 2007 Financial assets finally gaining faster than housing
15 Mar 2007 New analysis shows falling housing affordability
15 Mar 2007 8th Annual SuperFunds Conference
15 Mar 2007 Old campaigner returning home
15 Mar 2007 Ben Elliott moves back to Australia
14 Mar 2007 Nats give some thoughts on savings
14 Mar 2007 KiwiSaver: The journey begins
14 Mar 2007 2007 ASFONZ PIE Warmer
14 Mar 2007 Debate continues over long-term fixing
14 Mar 2007 Kiwis putting money into banks and shares
14 Mar 2007 Debate continues over long-term fixing
13 Mar 2007 Result shows confidence in finance companies
13 Mar 2007 Moves against housing market will need support
13 Mar 2007 2007 ASFONZ PIE Warmer
13 Mar 2007 Result shows confidence in finance companies
13 Mar 2007 New loan for property investors
13 Mar 2007 AIA appoints new senior regional manager.
12 Mar 2007 UDC appoints experienced BDM
12 Mar 2007 News Round Up
12 Mar 2007 House prices on the up again
10 Mar 2007 Banks increase term rates
09 Mar 2007 Another payment to National Finance 2000 investors
09 Mar 2007 Weekly Wrap: Gongs, goings and joinings
09 Mar 2007 Tenants to tender for rental properties
09 Mar 2007 PAA and LBA talk of a merger
09 Mar 2007 Bollard not expecting big KiwiSaver uptake
09 Mar 2007 Tightening tax rules threaten housing investment
08 Mar 2007 Official cash rate increases to 7.5%
08 Mar 2007 Bollard raises rates but tones down the rhetoric
08 Mar 2007 Bollard raises rates but tones down the rhetoric
08 Mar 2007 The official cash rate (OCR) increases to 7.5%
08 Mar 2007 OCR announcement
08 Mar 2007 Tax changes help birth of Aust shares portfolio
08 Mar 2007 Auckland prices up, rents flat
07 Mar 2007 Women across the globe put their faith in property
07 Mar 2007 Mortgage Express no longer strategic to Perpetual Trust
07 Mar 2007 Rate hike will dent housing market
07 Mar 2007 Landlords’ rental properties insulated for less than half price
07 Mar 2007 ING wins top awards
07 Mar 2007 Quirk leaves Tyndall
07 Mar 2007 Rents fail to keep up with house price rises
06 Mar 2007 Copeland: All employees in KiwiSaver from 1 July?
06 Mar 2007 Low rental yields do not indicate house price bubble
06 Mar 2007 Adviserlink - NZ Financial Services Industry Essentials
06 Mar 2007 An economist's view of the Chinese selldown
05 Mar 2007 New adviser joins Diversified
05 Mar 2007 Perpetual's three musketeers
05 Mar 2007 Rate hike won’t derail housing market
05 Mar 2007 Investors can now find right school zone to buy in
05 Mar 2007 Calculate NPV (Net Present Value)
05 Mar 2007 Reserve Bank should rethink anti-housing market policy
05 Mar 2007 Pip Dunphy joins Mint
05 Mar 2007 News Round Up
04 Mar 2007 Expect interest rates to rise this week
02 Mar 2007 Market Review: The past 7 years - A roller coaster ride
02 Mar 2007 BRICs: the next big things?
02 Mar 2007 Hands off CFP!
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