Bento examples

Please find below the most recent articles from our Panacea Bento Bulletin.

To read articles from a previous issue, click on the issue number which will open up a full list. Click on an article's link to read the full story.

Those article links with an asterisk next to it (*) denotes that issue's lead story.

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Introducing Panacea Adviser
20 Feb 2019

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Launched in February 2007, Panacea Adviser is a unique and free resource that supports in the region of 22,000 financial professionals and we are hoping you enjoy what we offer too.

We provide Financial Advisers with free online access to the very latest news, views, tools, research, educational support and business development ideas from product providers and support services all in one place.

The below highlights just some of the great resources you can find on the website but if you don’t want to be part of our community then please feel free to change your preferences or unsubscribe at any point.

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Read all editions of our Bento Bulletin, click on one of the categories to view articles by subject or partner firm & read blogs by Panacea contributors.

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Access to this easy-to-use directory of partner tools, calculators, literature, market insights, videos and webcasts are just a click away.

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View all of our partner's CPD-accredited material.  Once read or viewed it can easily be saved into your Panacea CPD library list to refer back to.

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Partner news
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Easy access to guides, whitepapers and range of support materials to help you make the most out of your business.
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Filter and sort our massive events listing to see what relevant events are happening in your area and register directly from the site. 
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We have negotiated a number of very special offers for the Panacea community, which can also be shared with your own clients.
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When Panacea was set up in 2007 it was with the intention to bridge the gap between Product Providers and Adviser Firms.  This stands true today and as such we will not share your personal information with any other third party except to our partner firms, who have a supporting relationship with the Panacea community, and only where you request it or express interest via our communications and/or website.

If you wish to opt-out of us sharing information with our partners or wish to change any of your communication preferences at any point you can do so by accessing the ‘My Panacea’ page.

 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 1010: Selling your services - one thing most experts don't know
18 Feb 2019

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Most businesses providing expert professional services - financial advisory practices being one example - think that clients are buying expertise and professional knowledge.

This is why there is so much emphasis on products, technical know-how and qualifications.

But is this what clients are really buying?

 
 
   
 
 
 
 
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After a challenging 2018, Fund Manager’s Stephen and Andrew outline the factors which impacted them the most along with their plans for 2019 and new additions to the portfolio.
 
 
   
 
 
 
 
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The dynamics of life have changed significantly in the last 20 years. Individuals’ lives no longer step sensibly along the traditional timeline in which babies come after house purchases and marriages last forever.
 
 
   
 
 
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Makers of semiconductors are seeing valuations hit amid a cyclical downturn, but the future long-term growth picture remains intact.
 
 
   
 
 
 
 
 
 
 
As the fallout from the 1MDB continues, and Mahathir Mohamad returning to power on an overly ambitious reform agenda, it is easy to be sceptical about Malaysia’s ESG credentials. But as Stanley Kwong explains, the reality is far more nuanced.
 
 
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Updated government requirements mean schemes can meet client needs with significant return potential alongside access to EIS tax benefits.
 
 
 
 
 
 
 
 
For everything you need to make the most of the opportunities on the Aegon Retirement Choices (ARC) platform, just visit Aegon's tax year end zone.
 
 
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Just like artists, who wake up in the morning in a good mood and then start painting
 
 
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Defaqto has launched its critical illness cover comparison tool, CIC Compare. A new module in Engage, Defaqto’s end-to-end financial planning solution, it is an easy to use tool that helps advisers compare new and historical critical illness policies in under five minutes on a whole of market basis, including white labels and direct products.
 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 1009: Episode 200 of the Marketing & Finance Podcast
14 Feb 2019

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Panacea have been a massive supporter of the show since I launched 4 years ago and Derek has been a guest on the show twice talking about Panacea in general and about the Panacea Virtual Conference.

I wanted to do something special to celebrate, so I asked my good friend Chris Marr of the Content Marketing Academy to come on the show as a guest interviewer and interview me - warts and all.

 
 
   
 
 
 
 
 
 
 
Join Patrick Norwood for this short webinar from our series about building multi-asset solutions.
 
 
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Subdued global inflation should provide monetary policymakers with a ramp to be more accommodative and perhaps pull back from their normalization efforts. 
 
 
   
 
 
 
 
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Register to join one of Prudential’s webinar sessions on Thursday 21 February to help you identify new opportunities with your clients. 
 
 
   
 
 
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Please join us from 10.00am - 11.00am on Tuesday 19 February for a free webinar.
 
 
   
 
 
 
 
 
 
 
Protection challenger, Guardian, has promoted Katya MacLean, previously Proposition Director, to the role of Chief Operating Officer.
 
 
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This month’s video looks at the Fed’s dramatic shift to a more dovish stance, with an emphasis on patience.
 
 
 
 
 
 
 
 
We’ve introduced some new features to our online journey so you can see where your applications are in the process.
 
 
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Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 1008: Are you investing for impact?
12 Feb 2019

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Investing to help improve society and the environment does not mean giving up economic returns. Register for M&G’s next webcast to find out more about impact investing and how it’s different from ESG, as well why investors do not have to sacrifice financial returns to invest in impactful companies.
 
 
   
 
 
 
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Back in 2017, the government reduced the number of employee benefits that would have previously attracted tax savings when arranged through salary sacrifice schemes.
 
 
 
 
 
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Calculating pension allowances for your clients, particularly at this time of the year, can be highly complex. FundsNetwork’s tax and pension experts, Paul Kennedy and Paul Squirrell, discuss how taking a step-by-step approach to identifying different client circumstances, can help to highlight important considerations.
 
 
   
 
 
 
 
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In our Big Interview, David Miliband talks to AIQ about the growing humanitarian emergency in war-torn countries, the retreat from global engagement by the West and the future of centre-left politics.
 
 
   
 
 
Aegon: Using salary sacrifice to put a priority on pensions
 
   
 
 
The internal fund tax of wrappers such as bonds and Open Ended Investment Companies (OEICs) can be confusing.
 
 
   
 
 
 
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The evolution of MPS has been somewhat rapid, particularly over the past few years.
 
 
 
 
 
 
 
 

Find out how we responded to the FCA consultation on increasing the FOS compensation limits.

 
 
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Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 1007: The power of an incisive question
8 Feb 2019

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I was recently listening to someone telling the story of how they had begun a new and exciting phase of their life by starting a small business.

It was something they had thought about doing in the past but had never got beyond this stage.

Not until they had a conversation with their financial planner.

 
 
   
 
 
 
 
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The standard lifetime allowance (SLA) sets a limit on the amount of pension benefits that can be paid to an individual, by way of lump sums or retirement income, without triggering an additional tax charge.
 
 
   
 
 
 
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This month's infographic looks at three economic themes for 2019 as well as some black swan risks.
 
 
 
 
 
 
 
 
It’s currently £3,000 and has remained unchanged since April 1981, back when Shakin’ Stevens was at number one in the UK singles chart with ‘This Ole House.’ Graeme Robb, Senior Technical Manager at Prudential goes into more detail. 
 
 
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Create your own marketing campaigns using FundsNetwork’s sample letter templates, which highlight the benefits of investing in pensions and ISAs.
 
 
   
 
 
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Good collaboration is key to success in almost every field, from business to finance to sport. We explore how organisations can encourage staff to work together to share ideas, avoid mistakes and improve performance.
 
 
   
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 1006: Diversification delivers
6 Feb 2019

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Royal London’s Governed Portfolios have reached their ten-year milestone. Lorna Blyth, Head of Investment Solutions, reflects on how diversification can deliver.  
 
 
   
 
 
 
 
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Using our Aegon Retirement choices (ARC) platform could be the right move for you and your clients. 
 
 
   
 
 
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There is an unprecedented amount of column inches being written about matching a clients’ attitude to risk and capacity for loss to an appropriate investment risk rating.
 
 
   
 
 
 
 
 
 
 
In this short video, fund manager Claudia Calich looks back at key drivers for emerging market debt in 2018 and examines what did and did not work for the Fund, before moving on to discuss key themes on the horizon for 2019.
 
 
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The eurozone economy grew by just 0.2% in the final quarter of 2018 according to the flash GDP estimate released this morning. 
 
 
 
 
 
 
 
 
US nonfarm payrolls smashed expectations once again, posting 304,000 new jobs in January instead of the 165,000 forecast. 
 
 
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NS&I have reduced the minimum initial investment for Premium Bonds from £100 to £25. 
 
 
   
 
 
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The new fund performance tool allows you to compare up to 10 funds at a time for a selected time period.
 
 
   
 
 
 
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Join us on Thursday 21 February at 10am, where we will discuss the recently launched M&G Positive Impact Fund with John William Olsen, fund manager, and Ben Constable Maxwell, Head of Sustainable and Impact Investing.
 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 1005: Busting the millennial myth
4 Feb 2019

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New research challenges the widely held view that millennials are genuinely different from previous generations. 

Millennials, broadly defined as the generation born 1980-2001, have grown accustomed to these sweeping generalisations. We are blamed for weak new car sales, the death of bricks-and-mortar retail, rising debt, and flagging home-ownership rates. The latter is apparently down to our frittering away earnings on avocado toast rather than saving for a deposit.
 
 
   
 
 
 
 
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Sustainability is increasingly becoming more of a need than a choice – for society and investors alike. 
 
 
   
 
 
 
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The new Dynamic Planner iO integration provides you with a seamless journey, removing manual exporting and importing steps from the process.
 
 
 
 
 
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As it’s the beginning of the year, this month’s letter will focus on the investment performance over the last year of our three public funds, as well as performance over longer periods. 
 
 
   
 
 
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Probably one of the greatest worries for a parent is that their child may become seriously ill. At such a stressful time, the last thing you need is the additional worry of financial problems.
 
 
   
 
 
 
 
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There may be some readers who have been around long enough to remember the ‘tech bubble’ of the late 1990s.
 
 
   
 
 
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Join our webinar on Tuesday 12 February 2019 to hear Elaine Cruickshank, Tax and Trusts Manager, discuss some recent IHT and trust developments which could impact your clients
 
 
   
 
 
 
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The latest edition of NS&I’s Financial Advice Barometer shows that security remains the top priority for advisers’ clients. 42% of respondents chose this option in the October 2018 survey.
 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 1004: Plastic (not so) fantastic
1 Feb 2019

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The ultra-long lifespan of plastics is proving an ecological challenge. As consumers become alarmed at the environmental contamination caused by synthetic organic polymers, we look at the alternatives and the role of investors in pushing for change.
 
 
   
 
 
 
 
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In a year characterised by increased volatility and changes in market leadership, financial markets struggled to generate positive returns. 
 
 
   
 
 
 
 
 
 
 
We’re celebrating a decade of delivering for your clients throughout stormy market conditions.
 
 
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Dynamic Planner, the UKís preferred digital risk profiling and asset allocation-led investment service announces a three year, £5m technology investment into the next generation of Dynamic Planner.
 
 
 
 
 
Old Mutual Wealth: ISA CASHBACK OFFER 2018/19
 
   
 
 
Open to new and existing customers, we have a great ISA offer your clients can take advantage of in the run-up to tax year end.
 
 
   
 
 
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As it’s the beginning of the year, this month’s letter will focus on the investment performance over the last year of our three public funds, as well as performance over longer periods. 
 
 
   
 
 
 
 
 
 
 
Defaqto has worked in collaboration with Eversheds Sutherland to enable and facilitate suitability reports templates in Engage Core to provide a fully integrated end-to-end financial planning tool to advisers.
 
 
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Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 1003: BlackRock's Larry Fink's 2019 Letter to CEOs
30 Jan 2019

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In his annual letter on corporate governance, BlackRock CEO Larry Fink explores how companies can achieve long-term financial returns.
 
 
   
 
 
 
 
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Helping your clients manage their money in retirement would be a lot easier if we, or they, knew how long they were likely to live.
 
 
   
 
 
 
 
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Whether you are used to selecting from the lists of RSMR rated solutions, reading our detailed fund profiles or seeking business ideas all this and much more can be found on the RSMR Hub in support of your business.
 
 
   
 
 
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The tax advantages associated with registered pension schemes can be enormously beneficial in helping members to secure their financial future.
 
 
   
 
 
 
 
 
 
 
Our first ever Annual Conference in Manchester proved to be a fantastic occasion at the award-winning Manchester Central. The day was supported brilliantly by a great audience of financial services professionals.
 
 
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Given the apparently close historical relationship between various financial indicators and the economy, some commentators have been quick to talk up the danger of a US recession in view of recent market developments. 
 
 
   
 
 
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Join us on Thursday 21 February at 10am, where we will discuss the recently launched M&G Positive Impact Fund.
 
 
   
 
 
 
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Every time Theresa May gets trounced in Parliament, delays a vote or a member of her Cabinet lets slip that she won’t really force a no-deal exit from the EU, sterling shoots upward.
 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 1002: Can anyone imagine a large UK business being run like this?
28 Jan 2019

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Some headlines from last week to make you feel proud about British democracy, values and standards.

1.   "May faces 'high noon' Cabinet meltdown on Brexit” 

2.   “Philip Hammond refuses to rule out QUITTING if the UK leaves the EU without a deal”

3.   “Rudd threatens to walk out to back Remainer revolt"  

Now for a scenario to imagine as you look around your office today.

 
 
   
 
 
 
 
 
 
 
Often, when we talk about reviewing existing holdings, we mean client reviews. After all, the relationship between a client and an adviser is often for a sustained period of time, if not for life.
 
 
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When the presidents of the US, France and Britain cancel their trip to the World Economic Forum at Davos – the mecca of globalisation over the past two decades – to face domestic challenges, no wonder investors are worried about falling global trade, inward-looking policies and hence, lower global growth.
 
 
   
 
 
 
 
 
 
 
FundsNetwork™ has launched a dedicated support zone that includes a wide range of useful materials for this time of the year. It provides resources to help planning and aid client discussions, so that they can utilise valuable pension and ISA allowances.
 
 
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Join our product specialist, Amy Mulvey and our Head of Adviser Sales, Rob Miles at one of six locations, to discuss how you can help shape your clients’ portfolios by utilising their property equity for income.

 
 
 
 
 
 
 
 
Listen to Clive Emery Multi Asset Product Director discuss the Invesco Global Targeted Returns Fund (UK)’s* performance in Q4 2018...
 
 
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Hundreds of offers available across 21 Prestige brands.

 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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