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

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Bento 1052: Getting yourself noticed
26 Jun 2019

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A big part of my job is getting noticed - in the right way. But it is more difficult than you might think. In normal times, we have to compete against the big players who have the funds to buy lobbyists, engage PR companies and get themselves strategically positioned across every media platform possible. 
 
 
   
 
 
 
 
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The US is expensive, and emerging markets (EMs) are cheap We've observed that before. But price alone isn’t what matters. What matters is the relationship between what you’re paying and what you’re getting, and the US and EMs represent different baskets of businesses.
 
 
   
 
 
 
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Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.
 
 
 
 
 
 
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How can you see our industry changing? We need your help to answer five very short questions and share insights and opinions on what you believe the future holds for the next generation of financial advisers.
 
 
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The world is facing a rising tide of societal challenges, from the potential chaos associated with the breakdown of our climate, to unsustainable levels of waste and pollution, to vast and growing social inequality.
 
 
   
 
 
 
 
 
 
 
With robust tools and guides, investors can improve their chances of reaching their desired financial destination rather than taking a wrong turn.
 
 
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There’s no single type of lifetime mortgage customer. We’ve seen customers in a range of different circumstances benefit from unlocking the cash in their home. It’s not just the client that benefits from a lifetime mortgage either; a lifetime mortgage can help their families, too.
 
 
 
 
 
 
 
 
German bunds have become a lightning rod for market anxiety; Western Asset's Gordon Brown argues that too much bad news is built into current pricing, obscuring some key long-term macro drivers.
 
 
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Wealth & money management awards
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Bento 1051: MyDocSafe: Your front-office software suite
25 Jun 2019

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MyDocSafe is a leading provider of trusted e-signature, on boarding and client portal solutions for the professional and financial service firm market.
 
 
   
 
 
 
 
 
 
 
Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.
 
 
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Impersonation fraud, where a criminal hacks into an email account and poses as a client to request the withdrawal of funds, is increasingly common. In the first six months of 2018 alone there were 3,866 reported cases of impersonation scams in the UK.
 
 
   
 
 
 
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Over 1m employers and 10m employees are now using workplace pension schemes. Opportunities for advisers have been created by the new standards for master trusts and the triennial re-declarations of compliance every employer must complete.
 
 
 
 
 
 
 
 
The value of Seneca - applying a value ethos across a range of assets: why restrict good thinking to just one asset class when it can be applied to many?
 
 
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You’ll no doubt be aware of the terrible consequences losing a key person or shareholder through death or illness could have on your business owning clients.
 
 
   
 
 
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Read the latest market update from Royal London.

 
 
   
 
 
 
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Modi has been sworn in for a second term as Prime Minister. What does it mean for the Indian economy?
 
 
 
Wealth & money management awards
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Bento 1050: Defined benefit hub
21 Jun 2019

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Take a look at Aegon's new dedicated DB hub to see how our DB support material can help you. We’ve developed and adapted our support material to highlight the important areas to consider before deciding if a transfer may be suitable for your clients.
 
 
   
 
 
 
 
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In our platform service survey we asked financial advisers about their views on the service they receive from platform providers. Here’s what we learnt.
 
 
   
 
 
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Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.
 
 
   
 
 
 
 
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Take three minutes to watch our latest Collective Retirement Account video where Ian Browne, pension expert, talks about how to tailor your client’s pension and make strategic alterations so that it stays up to date and on track with their requirements.
 
 
   
 
 
 
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Will today’s trade tensions permanently disrupt global value chains and lead to a new Cold War?
 
 
 
 
 
 
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How can you see our industry changing? We need your help to answer five very short questions and share insights and opinions on what you believe the future holds for the next generation of financial advisers.
 
 
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The investment industry has gone through a myriad of changes since the turn of the 20th century, fuelled by innovation, technology, regulatory changes and evolving investor preferences. 
 
 
   
 
 
 
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Panacea Adviser has produced this complimentary guide to take you through the recruitment process from start to finish.  It will assist with determining your business needs, the type of individual you want, how much you want to pay, recruitment advertising and the interview process to ensure you employ the right person for the job.
 
 
 
Wealth & money management awards
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Bento 1049: Talk to someone about themselves and they'll listen for hours
19 Jun 2019

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One of the most impactful books I have ever read was ‘How to win friends and influence people’, written by Dale Carnegie in 1936. Over 15 million copies have been sold worldwide making it one of the most popular self-help books of all time.
 
 
   
 
 
 
 
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They used to call David Coombs crazy. When he set up our multi-asset funds 10 years ago, many people didn’t get why we were setting targets for return and risk that investors could hold us to.

 
 
   
 
 
 
 
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At its heart, an active investment manager’s proposition should be simple – to deliver performance that is sustainably better than average. But how can you identify managers who can deliver this sort of performance?
 
 
   
 
 
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Multi-manager funds, where the manager selects the funds they believe to be the best in each asset class for their portfolio (rather than investing in shares, bonds or other investments directly), can be either fettered or unfettered.
 
 
   
 
 
 
 
 
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How can you see our industry changing? We need your help to answer five very short questions and share insights and opinions on what you believe the future holds for the next generation of financial advisers.
 
 
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An increasing number of advisers are switching on to the exciting advantages of offshore bonds – not only because they’re tax-efficient, flexible and straightforward – but also because they’re a fantastic solution for many of the advice challenges facing your clients today.
 
 
   
 
 
 
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Where are the equity opportunities within Latin America, and what are the key concerns? Can imminent political reforms improve the outlook?
 
 
 
 
 
 
 
 
Morgan Hounsel, international investor behaviour expert, joins the Orbis investment team to discuss thinking differently and investing differently.
 
 
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With incessant industry change from a regulatory, legislative and technical perspective, FundsNetwork offers advisory firms comprehensive support including client-facing guides. 
 
 
 
Wealth & money management awards
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Bento 1048: The Value of Apprenticeships
17 Jun 2019

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Apprenticeships provide the structure of formal qualifications along with practical experience, and NMBA believe that their apprenticeships in financial advice and paraplanning are great opportunities for any businesses that wish to provide their staff with a structured and funded route to further qualification. The NMBA is the only financial services business on the register for Approved Training Providers, which means they are perfectly placed to offer you and your employees the best route to becoming qualified. 
 
 
   
 
 
 
 
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There are many parallels between today and 1998-2002, but the current environment lacks that period's overvaluation and cyclical excesses.
 
 
   
 
 
 
 
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A thorough understanding of a client’s attitude to risk is a fundamental starting point for your investment recommendation. While it is easy to assume that these consultations are a straightforward affair, they are anything but, often due to the presence of various emotional prejudices that influence human thinking, usually subconsciously.


 
 
   
 
 
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Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.
 
 
   
 
 
 
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Join Fiona Hanrahan and Jim Grant as they host a webinar master-class on the lifetime allowance on Thursday 20 June
 
 
 
 
 
 
 
 
We asked advisers about their opinion of the service they receive from protection providers – and here is what they told us.
 
 
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ANT Financial is a private online payments business that started life as part of the Chinese e-commerce giant Alibaba. Scottish Mortgage’s Tom Slater explains what attracted him to take a holding in ANT for Scottish Mortgage.
 
 
 
 
 
 
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How can you see our industry changing? We need your help to answer five very short questions and share insights and opinions on what you believe the future holds for the next generation of financial advisers
 
 
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The CII pass rates for last year are now available. We have added them to our existing table below so that you can see the most recent years as well.
 
 
   
 
 
Wealth & money management awards
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Bento 1047: 2020 Conundrum. Trust registration
14 Jun 2019

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Proposed new government rules threaten last nail in coffin for life policy trusts  The onerous registration rules would take dealing with trusts from complex to almost impossible, writes Ruth Gilbert.
 
 
   
 
 
 
 
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3.8m people in the UK are living with diabetes – that’s 5% of the population, and the equivalent to filling Wembley stadium 52 times over. And, this number is expected to rise significantly over the next 5 years.
 
 
   
 
 
 
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The UK makes up only about 5% of the MSCI All Country World Index. While we may be the fifth largest economy when measured by economic activity, we are just a small island in a much larger global market from an investment perspective.  
 
 
 
 
 
 
 
 
Register to join one of Prudential’s webinar sessions on Thursday 20 June, to help you identify new opportunities with your clients. Hosted by Graeme Robb – Senior Technical Manager. 
 
 
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Shopify helps companies looking to sell their goods online. It is regarded by Amazon as a partner and, as Tom Slater of Scottish Mortgage explains, with a growing number of companies looking to have an online presence, it has a massive potential opportunity.
 
 
 
 
 
 
 
 
Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.
 
 
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At Royal London, we understand everyone’s unique. That’s why our protection proposition isn’t ‘one size fits all’.
 
 
 
 
 
 
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How can you see our industry changing? We need your help to answer five very short questions and share insights and opinions on what you believe the future holds for the next generation of financial advisers.

 
 
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David Coombs gets his grump on about the state of global politics. But our head of multi-asset investments is refreshed by the approach of a pragmatic and thoughtful businessman.
 
 
   
 
 
Wealth & money management awards
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Bento 1046: Panacea Guide to Marketing for Small and Medium Adviser Firms
12 Jun 2019

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To aid your client acquisition we have created a complimentary guide to marketing for Small and Medium Adviser Firms. In this guide we examine the various elements of marketing, allowing you to dip in and out as needed.
 
 
   
 
 
 
 
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Fashions change, fads come and go. But in the investment world following fashion can, well, cost you your shirt. In fact, checking whether your fund manager sticks to their investment approach, particularly during periods of underperformance, is an important aspect of your investment review.
 
 
   
 
 
 
 
 
 
 
Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.
 
 
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Whether you're recommending an investment bond for your client, or advising them to encash one, it's important to understand how bond gains are taxed.
 
 
   
 
 
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111 seconds – government bond yields have fallen even further (to record lows in some cases). Lewis Aubrey-Johnson, Head of Fixed Income Products shares his thoughts from our Henley Investment Centre.
 
 
   
 
 
 
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This week’s update focuses on why the spread between 2-to-10 year U.S. municipal bonds has fallen to its lowest point since 2017 – this supports analysis from Western on this topic. 
 
 
 
 
 
 
 
 
Tom Slater of Scottish Mortgage shares his enthusiasm for Spotify, a subscription streaming business that has grown to be a global product under the guidance of its founder CEO Daniel Ek.
 
 
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In this month’s video, Investment Director, Ritu Vohora looks at the escalating trade war between the US and China, with tensions reducing risk appetite and intensifying fears of a global economic slowdown.
 
 
 
 
 
 
ADVISER SURVEY
 
 
 

How can you see our industry changing? We need your help to answer five very short questions and share insights and opinions on what you believe the future holds for the next generation of financial advisers.

 
 
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Overseas property and finance expert Simon Conn says people are continuing to buy homes abroad, despite the ongoing issues with Brexit. 
 
 
   
 
 
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Bento 1045: Is your marketing working?
10 Jun 2019

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Marketing can be hard for busy business owners. Most people know they should be doing something – even if it’s a quick website update. But with so many options and so demands on your time, and often no one to spearhead the project and follow it through, marketing can seem like an impossible mountain to climb.

To take you to the marketing mountain instead (!) we’ve teamed up with Faith Liversedge, financial services marketing expert, to provide you with a series of complimentary checklists to help you benchmark your marketing efforts and prioritise the gaps. 

Faith is also offering a number of ‘Quick Wins’ that will turbo boost your marketing, whether you’re starting from scratch or in looking for an upgrade.

 
 
   
 
 
 
 
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You can find indicative underwriting decisions for common medical conditions and pastimes not only by contacting our award winning underwriting team, but also on our new webpage. The page also includes a new Body Mass Index (BMI) tool, which calculates and provides an indicative decision for BMI, plus useful links to literature and other tools.
 
 
   
 
 
 
 
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When scrutinising companies whose share prices have fallen and never recovered, a few red flags emerge. While not a save-all, knowing these can help you know when to dig a bit deeper and ask the right questions.
 
 
   
 
 
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Steve Lipper, senior investment strategist at Royce, makes the case for why U.S. cyclical small cap stocks are due a rebound.
 
 
   
 
 
 
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Divorce is becoming increasingly common in later life, and parting ways is often more complex than simply splitting assets in half. It's paramount that advisers are aware of the negative effect it can have on a couple's finances.  
 
 
 
 
 
 
 
 
Rathbones equity analyst Camilla Ayling reflects on the disruption to traditional retail, something of concern for investment managers when looking to invest clients’ funds in the sector. 
 
 
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In the eyes of Amazon boss Jeff Bezos, the likely impact of ’the Cloud’ is still not fully understood. He sees it as a fundamental change in computing that will play out over decades. Scottish Mortgage’s Tom Slater considers the opportunities this might present.
 
 
 
 
 
 
 
 
Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.
 
 
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Bento 1044: The FOS ate my hamster!
7 Jun 2019

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Please excuse the dramatic headline, but desperate times call for desperate headlines and we are certainly in desperate times.

The popular myth that FOS claims only happen to “bad “advisers hides a real and present danger. Every adviser has been issued with a perpetual ticket in the Reverse Lottery run by FOS.

 
 
   
 
 
 
 
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In support of Brandywine’s equity funds, this article explains five held misconceptions about currencies’ role in global equity investing.
 
 
   
 
 
 
 
 
 
 
We look at reaching age 75 in the latest in our series of top five FAQs on pensions technical topics.
 
 
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Following a meeting with Amazon CEO Jeff Bezos, Scottish Mortgage manager Tom Slater considers the online giant’s prospects in the areas of broadcasting, music and gaming with a traditional media and entertainment industry that’s in flux.
 
 
   
 
 
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Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.

 
 
   
 
 
 
 
 
 
 
To aid your client acquisition we have created a complimentary guide to marketing for Small and Medium Adviser Firms. In this guide we examine the various elements of marketing, allowing you to dip in and out as needed.
 
 
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After a long equity bull run, long-term return looks uncertain and advisers are increasingly expected to do more than simply pick funds with the best historic performance.
 
 
 
 
 
 
 
 
Horizons: Lifetime Savings & Investments 2019 will bring together leaders in the world of pensions, long-term savings and retail investments for an exciting conference set to cover the hottest topics facing the industry, including open pensions, the pensions dashboard, DB-DC transfers, ESG, robo advice, evolving retirement solutions and more.
 
 
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Bento 1043: Solving the Investment Puzzle
4 Jun 2019

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The Baillie Gifford Managed Fund has had a consistent, tried and tested approach since it was launched in 1987. In this film investment managers Iain McCombie and Steven Hay sum up how the Managed Fund aims to keep it simple in a complicated investment world. 

 “It's made up of equities, bonds and cash, and we think to generate great returns, that’s all you need.”

 
 
   
 
 
 
 
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Speculation has been mounting that once President Trump concludes trade negotiations with China, Europe will be next on his agenda. In this article, the European Equities Teamlook at what a potential US-EU trade war could look like and explain why we believe this is materially different to the US-China situation.
 
 
   
 
 
 
 
 
 
 
Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.
 
 
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Fees have become a thorny issue for the asset management industry in recent years. As low-cost tracker funds have flooded the market, active managers have come under increasing scrutiny to demonstrate their value.
 
 
   
 
 
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We look at how a change in relationship status later in life can impact financial planning for your clients. 
 
 
   
 
 
 
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Market and consumer inflation expectations are plumbing new lows. Brandywine research analyst Alberto Boquin explains why this is so, in particular why a dovish outlook and high employment in the US mean the Fed’s 2% inflation target is more likely.
 
 
 
 
 
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Discover how a new breed of technology suppliers are reinventing traditional advice processes. Learn how these companies are providing an innovative approach to specific challenges when delivering advice.
 
 
   
 
 
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'Back by popular demand' we are currently planning our annual Good Money Week event - (primarily) intended for financial services intermediaries.
 
 
   
 
 
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