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August 2006
22 Aug 2006 Virtual real estate captures new generation of property buyers
21 Aug 2006 News Round Up
21 Aug 2006 St Laurence makes major restructure
21 Aug 2006 Look to lock in rates
21 Aug 2006 Coming Soon! An Insider's Guide to Real Estate Hot Spots
20 Aug 2006 Councils offer homeowners free eco-design advice
20 Aug 2006 Affordability study findings due this week
18 Aug 2006 Sovereign records growth in life business
18 Aug 2006 Deposit rates news briefs
18 Aug 2006 Ngai Tahu's iwi saver scheme starts
18 Aug 2006 Life insurance included in tax review
17 Aug 2006 PIS professional development day
17 Aug 2006 Hanover appoints new CEO
17 Aug 2006 Advisers ask for raincheck on regulation
16 Aug 2006 PIS professional development day
16 Aug 2006 A warning, a brickbat and some free advice
16 Aug 2006 Investors will pay more tax under proposal: Newton
16 Aug 2006 A less aggressive approach to lending
15 Aug 2006 PIS professional development day
15 Aug 2006 A warning, a brickbat and some free advice
14 Aug 2006 Finance companies – Does risk equal return?
14 Aug 2006 PIS professional development day
14 Aug 2006 Welcome home loan scheme extended
14 Aug 2006 News Round Up
14 Aug 2006 Top analyst joins Fisher Funds
11 Aug 2006 ASSET Magazine - August
11 Aug 2006 PIS professional development day
11 Aug 2006 Poll shows people don't like tax changes
10 Aug 2006 PIS professional development day
10 Aug 2006 FNZC earns over $100m for UK wrap
10 Aug 2006 Impact of removal of trail commissions 3yrs away
10 Aug 2006 Property cycle indicator reveals market downturn
10 Aug 2006 Pre-purchase house inspections substandard
10 Aug 2006 Greens propose capital gains tax
10 Aug 2006 REINZ slams Damage Insurance Bill
09 Aug 2006 Policyholders don't know what they are covered for
09 Aug 2006 ‘Let’s Talk KiwiSaver’ – Inland Revenue August forum
09 Aug 2006 Who gets the Tower jobs
08 Aug 2006 Some pain needed to get savings going
08 Aug 2006 Rates start easing
08 Aug 2006 AXA group ceo steps down
07 Aug 2006 Finance company rates about right
07 Aug 2006 News Round Up
07 Aug 2006 Rates start easing
06 Aug 2006 GE Money looks to do more broker business
06 Aug 2006 Bad name not deserved
04 Aug 2006 Deposit rate news briefs
04 Aug 2006 Govt reconsiders tax on life insurance
04 Aug 2006 Equitable's new SI BDM
04 Aug 2006 Review release dates put back
03 Aug 2006 NZX SciTech Index Seminar
03 Aug 2006 A bold prediction
03 Aug 2006 Mountain of submissions on tax bill
03 Aug 2006 Govt admits it's seriously looked at compulsory super
02 Aug 2006 AMP Capital's new head of strategy announced
02 Aug 2006 Market review: At the crossroads
02 Aug 2006 Welcome mat for home buyers to be extended
02 Aug 2006 New set of tax issues raised
01 Aug 2006 Macquarie looks for diversity with Commodity Bonds
01 Aug 2006 NZX SciTech Index Seminar
01 Aug 2006 Finance company rates about right
01 Aug 2006 Dunedin commercial property takeover
01 Aug 2006 Treasury releases housing investment survey
July 2006
31 Jul 2006 Solid metal fixed interest alternative
31 Jul 2006 Managed funds have first positive quarter in years
31 Jul 2006 News Round Up
31 Jul 2006 NZMBA president expands his business
28 Jul 2006 AIA slashes term life rates
28 Jul 2006 Interesting reaction to departure
28 Jul 2006 Northplan moves into the South Island
27 Jul 2006 Health insurance coverage rises, claims paid jump
27 Jul 2006 OCR announcement
27 Jul 2006 Bollard leaves rates unchanged
27 Jul 2006 No change to OCR
27 Jul 2006 Thomas unexpectedly quits ING
27 Jul 2006 New trans-Tasman alliance for property institutes
27 Jul 2006 New study calls for more property developers and managers
27 Jul 2006 New record high for Wellington CBD
27 Jul 2006 Property investors trump NBR rich list 2006
26 Jul 2006 What insurance advisers should be asking for
26 Jul 2006 June quarter returns poor but don't panic
26 Jul 2006 Travaglia joins MFS
25 Jul 2006 Deposit rates news briefs
25 Jul 2006 Fundamental change at NZX
24 Jul 2006 New Bluestone boss
24 Jul 2006 Solid metal fixed interest alternative
24 Jul 2006 News Round Up
24 Jul 2006 OCR likely to remain the same this week
23 Jul 2006 Russell appoints two new associates
21 Jul 2006 Equitable launches new finance company
21 Jul 2006 ASSET Magazine: July 2006
21 Jul 2006 Socrates looks to the future
20 Jul 2006 New CEO @ Nationwide
20 Jul 2006 NZ life market misses international trend
20 Jul 2006 New round of rate rises
20 Jul 2006 Tax changes anti-competitive
20 Jul 2006 New round of rate rises
19 Jul 2006 Deposit rate news briefs
19 Jul 2006 Maori Party not supporting KiwiSaver
19 Jul 2006 Salvus starts sharebuyback
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