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September 2006
20 Sep 2006 Housing Minister addresses REINZ on affordability crisis
20 Sep 2006 KiwiSaver threatens regular savings schemes
20 Sep 2006 Two new BDMs at Sovereign
20 Sep 2006 KiwiSaver threatens regular savings schemes
19 Sep 2006 Tower gets A-
19 Sep 2006 New tax proposals cause problems
19 Sep 2006 House price growth in fast growing towns to slow
18 Sep 2006 HSBC exits broker market
18 Sep 2006 Fin coys to lose their provisioning cushion
18 Sep 2006 How the fair dividend rate would work
18 Sep 2006 Landlord insurance bill canned - for now
17 Sep 2006 Wealth tax now on the agenda
15 Sep 2006 Residential property market continues to flatten out
15 Sep 2006 Key accepts there is a savings problem
15 Sep 2006 Key accepts there is a savings problem
15 Sep 2006 Three new senior managers at AIA
14 Sep 2006 Monetary Policy Statement
14 Sep 2006 Bollard leaves rates unchanged but talks tough
14 Sep 2006 OCR unchanged at 7.25%
14 Sep 2006 Tax changes: What a flippin' mess
14 Sep 2006 Hanover launches fund
14 Sep 2006 Sovereign's new MD named
14 Sep 2006 New homes face compulsory energy efficiency ratings
14 Sep 2006 Unit Titles Act under review
14 Sep 2006 Interest rate rise still possible: Bollard
13 Sep 2006 Hanover reckons its rating to be BB
13 Sep 2006 RFRM back on agenda
12 Sep 2006 KiwiSaver and workplace savings schemes
12 Sep 2006 Heavyweights put up tax alternatives
12 Sep 2006 Pick of the Cropp for Dominion Finance
11 Sep 2006 News Round Up
11 Sep 2006 Mixed bag in house price growth
10 Sep 2006 "Dr Do Little" expected to leave rate unchanged
08 Sep 2006 New tax fight looming
08 Sep 2006 Wright move
08 Sep 2006 New page for Jeff
08 Sep 2006 Average rents declining in Auckland
07 Sep 2006 Parsons named top broker
07 Sep 2006 ING anoints new CIO
06 Sep 2006 ING adds to senior team
06 Sep 2006 ING September roadshow
06 Sep 2006 Rapid Ratings returns
06 Sep 2006 Credit rating no silver bullet: S&P
06 Sep 2006 Creating two classes of finance companies
06 Sep 2006 Australian advisory firm merges with SAM
06 Sep 2006 Chan in the chair
05 Sep 2006 Kiwibank adds $250m to loan book
05 Sep 2006 ING September roadshow
05 Sep 2006 New regulations may catch real estate agents
05 Sep 2006 Deposit rate news briefs
05 Sep 2006 Dorchester launches second generation home equity release
05 Sep 2006 Kiwibank adds $250m to loan book
04 Sep 2006 ING September roadshow
04 Sep 2006 Market Review: US housing downturn a warning for New Zealand?
04 Sep 2006 Affordable housing co-ordinator to be appointed
04 Sep 2006 News Round Up
04 Sep 2006 Dunne is deluded or ill-informed
04 Sep 2006 Mortgage repayment plans get cautious welcome
01 Sep 2006 Big finance companies to be treated like banks
01 Sep 2006 West Coast - Riding a wave
August 2006
31 Aug 2006 Wide ranging reform proposals unveiled
31 Aug 2006 Software: The Document Factory
31 Aug 2006 KiwiSaver airborne
31 Aug 2006 New private bank head at Westpac
31 Aug 2006 SOS sent to Cullen
31 Aug 2006 KiwiSaver airborne
30 Aug 2006 Website: InfometricsProperty.co.nz
30 Aug 2006 Rental Analyst
30 Aug 2006 Property Return$ Software
30 Aug 2006 Rotorua: Bubbling away in Rotorua
30 Aug 2006 Canterbury: Winds of Change
30 Aug 2006 Northland: On the up, up north
30 Aug 2006 NZ Superannuation Fund Announces Resignation of Chief Executive
30 Aug 2006 ASFONZ, Women in Super & Tyndall Industry Breakfast
30 Aug 2006 Dunne's email
30 Aug 2006 Dunne blames UK trusts for opposition
30 Aug 2006 Waiting for the next home loan rate war
30 Aug 2006 Wellington: Fault free
29 Aug 2006 ASFONZ, Women in Super & Tyndall Industry Breakfast
29 Aug 2006 Sky to offer 10-year bonds
29 Aug 2006 New tax start dates unfair
29 Aug 2006 Market share slips for two banks
28 Aug 2006 Money Managers to develop franchises
28 Aug 2006 News Round Up
28 Aug 2006 Deposit Rates News Briefs
25 Aug 2006 Mixed reaction to KiwiSaver changes
25 Aug 2006 Government moves to make KiwiSaver more palatable
25 Aug 2006 Finance company disclosure improving
24 Aug 2006 Tower names NZ ceo
24 Aug 2006 What's going on with all the delays
24 Aug 2006 Government moves to make KiwiSaver more palatable
24 Aug 2006 Pushing mortgages to the limit
23 Aug 2006 propertyfinance securities appointments
23 Aug 2006 Rapid Ratings returns
23 Aug 2006 Rapid Ratings returns
23 Aug 2006 Simes $70 million property portfolio on market
22 Aug 2006 KiwiSaver report addresses financial advice
22 Aug 2006 Look to lock in rates
22 Aug 2006 KiwiSaver report addresses financial advice
22 Aug 2006 Property Council accuses local bodies of unconstitutional scams
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