Those who want to bring their savings home after a stint in Australia can do so, adding to their KiwiSaver accounts.

But so far, it's proved a lot trickier to get money back than many people realised. Some transfers are taking up to six months, many people have multiple accounts from various Australian employers and a lot do not know who their super accounts are with.

Now there's concern that the Aussie government is the only one that's going to benefit from moves to tidy up larger and larger amounts of "lost" super and hand them to the Australian Tax Office (ATO). Lost accounts are those where a contribution hasn't been made for more than a year and where written correspondence is returned.

It used only to be very small accounts that were given to the ATO, then it became those under $2000. This year that increases to $4000 before stepping up again to $6000.

And the bad news for Kiwi savers is that once the money is with the ATO, it's very hard to access from New Zealand, even if you know it's yours.

This makes things a lot more difficult for New Zealanders wanting their money from Australia than for Australians bringing back money from KiwiSaver accounts. 

And fund managers say it's not only investors who are losing out when it comes to transtasman dealings - some fund managers say it's unfair that their Australian counterparts don't pay FMA fees in this country, even though they benefit from the increased confidence in the market that the regulator brings.

Pathfinder's John Berry said Kiwi funds paid a lot more to operate in Australia than Australians pay to ply their trade here.

In other news, PAA's chairman Bruce Cortesi says regulation is a passion killer for the industry, investors burned by Ross Asset Management say clawbacks need to go back a lot further than just two years to get back lost money and Harbour took another win at the Morningstar Fund Manager of the Year awards.

On the mortgage front, the latest data from the Reserve Bank shows low-deposit lending dropped still further in January, although that may be about to change and provides an opportunity for advisers.

In insurance, Fidelity and nib have teamed up to offer health and life policies, and nib has faced some criticism over its offering.

We also have some news on industry appointments and latest job listings.