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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Bento 1131: Ordinary, said Aunt Lydia, is what you are used to. A Covid19 update
2 Apr 2020

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I feel we are about to enter the dystopian world of Handmaids Tale. Aunt Lydia went on to say “This may not seem ordinary to you now, but after a time it will.

I have been quite sceptical, some may say quite wrongly, about this virus and the impact it’s having and the regrettable deaths that have come about. I should declare an age group interest. I fall into the age range of ‘at risk’ so in many respects I should, as Sir Hector Sants once said, ‘be very afraid’.

 
 
   
 
 
 
 
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With a recession expected in the US and Europe, many investors are now questioning what will happen to company dividend payments, which some may rely upon to provide an income.
 
 
 
 
 
 
 
 
Please 'SAVE THE DATE' for our Good Money Week 2020 conference on 21 October, which will again be held at the Barbican in London... assuming we are all allowed out by then!
 
 
 
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When COVID-19 (coronavirus) first made headlines, in China, then worldwide, global market reactions were complacent.
 
 
 
 
 
 
 
 
In this week’s Diary, news from financial markets and investors, an update from India in lockdown and guidance on home haircutting.
 
 
 
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FundsNetwork’s 2020/21 tax tables are now available, with updated rates and thresholds for the coming year. 
 
 
 
 
 
 
 
 
The devastating coronavirus outbreak has prompted renewed discussion of “black swans”: rare, unexpected events that wreak havoc on markets and economies.
 
 
 
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Bento 1130: Help us get the Facts
30 Mar 2020

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It is over a year since we surveyed you for the Heath Report 3 and so much has changed. 

We know that the number of advisers retiring this year far exceeded our expectations.

 
 
   
 
 
 
 
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Talking contrarian instinct, promoting positive change and contemporary reading with Hector Kilpatrick, Chief Investment Officer, Cornelian Asset Managers and Richard Romer-Lee, Square Mile.
 
 
 
 
 
 
 
 
The Coronavirus crisis has created a great deal of uncertainty in all our lives. That’s why, now more than ever, it’s important that long-term investors don’t panic.
 
 
 
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M&G host monthly webcasts allowing you to access in-depth fund and macroeconomic updates straight from the investment floor, as well as an opportunity for your questions to be answered by our presenters.
 
 
 
 
 
 
 
 
In light of continued volatility across most asset classes David Coombs, head of multi-asset investments will outline his current approach to protecting the portfolios but also explain his strategy for the recovery. 
 
 
 
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The insurance industry is being extremely reactive to Covid-19, the highly infectious virus which from the start of the year has spread globally.
 
 
 
 
 
 
 
 
In an era of low interest rates and rising maintenance costs, the benefits of long-income assets within UK real-estate portfolios are hard to ignore. Tim Perry looks at three key trends that are influencing the UK long-income market.
 
 
 
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Register for Prudential’s upcoming webinars and earn structured CPD. 
 
 
 
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Bento 1129: Hedge fund tycoon makes £115million from this month's coronavirus stock market crash
24 Mar 2020

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Headlines like this from the Daily Mail on the 21st March do not help soothe the public mood, and especially those whose pension and saving funds have seen huge losses.

Once again, the spectre of hedge funds trading has raised its very unhealthy head again.

 
 
   
 
 
 
 
 
 
 
As Vladimir Lenin said, “There are decades where nothing happens; and there are weeks where decades happen”. Our stewardship director Matt Crossman tries to grasp what the current pandemic means for the planet and our plans to save it.
 
 
 
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FundsNetwork’s guide to pension and ISA allowances can help support your conversations with clients at this time of the year. It sets out the key information your clients may need about tax to understand how they can make the most of their savings. You'll find this guide under the 'Client' segment in both the 'Pension' and 'ISA' sections of FundsNetwork’s tax year end hub. 
 
 
 
 
 
 
 
 
In an era of low interest rates and rising maintenance costs, the benefits of long-income assets within UK real-estate portfolios are hard to ignore. Tim Perry looks at three key trends that are influencing the UK long-income market.
 
 
 
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FundsNetwork’s tax expert Paul Kennedy takes a look at the latest Chancellor's Budget announcement.
 
 
 
 
 
 
 
 
As we all isolate and get used to home video conferences and virtual lunches, there is much to reflect on. In markets, there will be permanent changes. Some financial products will disappear. Some ways of managing money may not survive.
 
 
 
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Markets are very weak and volatile, as you would expect with such uncertainty around the Covid-19 outbreak.
 
 
 
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Bento 1128: COVID-19 Update
20 Mar 2020

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Here is a round up of the latest news from our partners on COVID-19. 
 
 
 
 
 
 
 
 
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As the number of confirmed cases of Coronavirus (COVID-19) in the UK and across Europe continues to rise, we will closely monitor events and provide updates when necessary.
 
 
 
 
 
 
 
 
In these unprecedented times, your own health and that of family and friends will clearly be your number one focus. We also know that life and business must go on and we are working hard to ensure our services continue to meet your expectations
 
 
 
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The coronavirus outbreak is extremely complex, with the fear of the virus so far seemingly greater than its actual impact. The economic consequences, however, are very real. 
 
 
 
 
 
 
 
 
Given the current situation with Coronavirus, Royal London wanted to share with you all the latest information they have which I hope you will find useful.
 
 
 
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We are monitoring the impact of the virus and will update this page with any developments.
 
 
 
 
 
 
 
 
With COVID-19 impacting global markets, your clients may be concerned about their investments. FundsNetwork's hub brings together latest insights from several fund partners, to help you give your clients greater reassurance.
 
 
 
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The end of February saw one of the most rapid market corrections in history as investors confronted the building evidence that the outbreak of the 2019 strain of coronavirus, dubbed Covid-19, had not been contained within China and could become a more global pandemic.
 
 
 
 
 
 
 
 
“The stock market is a device for transferring money from the impatient to the patient” Warren Buffett
 
 
 
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Coronavirus - where have we got to, and how do we see the economic and market landscape from here? After a turbulent few weeks in markets, Richard Dunbar talks to Katy Forbes, Head of Absolute Return in our Multi-Asset Team and Jeremy Lawson, our Chief Economist and Head of the ASI Research Institute.
 
 
 
 
 
 
 
 
Whenever there is the threat or the reality of recession, it usually follows a typical pattern. It is engendered by tight financial conditions, a real or market bubble bursting, a dramatic rise in the price of oil, or a combination of the above. This time it is different: a stay at home recession.
 
 
 
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Many people struggle to make it to their GP when they feel poorly or know something is wrong. In fact, almost 2/3 of people agree that they find it hard to get an appointment at a time that suits them.
 
 
 
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Bento 1127: Never mind Covid19
16 Mar 2020

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Panacea readers may recall that back in 2014 we did some work around Prostate cancer to create awareness that us guys needed to take care of ourselves a bit too, based on some very personal experiences. 

For those who recall that piece, I thought an update would be quite timely.

 
 
   
 
 
 
 
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News of the coronavirus in recent weeks has contributed to increased market volatility. If your clients are concerned, why not make use of FundsNetwork online hub? Here you’ll find useful insights from several fund partners, including a range of guides from M&G, to help you give your clients greater confidence. 
 
 
 
 
 
 
 
 
The Aviva CEO talks to AIQ about how the insurance industry is working to assess and manage the catastrophic risks of climate change.
 
 
 
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A plunge in oil prices has sent markets reeling, but the epidemic is still the main concern.
 
 
 
 
 
 
 
 
Register for the 3rd series of threesixty Technology Events across the UK in June & July 2020 designed specifically to address the challenges faced by financial advisers, wealth managers and DFMs. Discover how a new breed of technology suppliers are reinventing traditional advice processes.
 
 
 
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We have created information pages for those sitting or planning to take their AF advanced diploma exams covering the study requirements and guidance. 
 
 
 
 
 
 
 
 
In the latest CuraVision video from Cura, Kathryn talks about Olivia, who came to Cura because she'd just set up a capital repayment mortgage and wanted to put something in place, to provide some financial security to her family in case something was to happen to her.
 
 
 
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In this special edition from the team behind Eye of the Needle, we’re talking to Maya Bhandari, Multi-Asset Portfolio Manager, and Tammie Tang, Fixed Income Portfolio Manager. They tell us about their routes into asset management and their respective asset classes, how the industry has changed over the past decade, and offer advice to women aspiring to work in finance.
 
 
 
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Bento 1026: Panacea Budget round up
13 Mar 2020

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Panacea Budget round up
 
 
 
Please find below some interesting budget reports from our partners.
 
 
 

 
 
 
 
 
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The focus of today’s Budget was very much on reducing the economic impact of the coronavirus, however the new Chancellor delivered plenty of other announcements which could impact on your clients

 
 
 
 
 
 
 
 
Rishi Sunak’s first Budget took place against the backdrop of the global outbreak of COVID-19.  Not surprisingly the UK’s response to this was the initial focus – providing some much needed short term financial measures in the current uncertainty, from ensuring the NHS has sufficient budget to cope, to extending statutory sick pay rules that affect millions of workers.
 
 
 
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Austerity is the latest victim as the largest giveaway since 1992 is unleashed.
 
 
 
 
 
 
 
 
Chancellor Sunak delivered his first UK Budget today. The Budget was a disjointed affair delivering a welcome second leg of stimulus to bolster the UK economy against the impending economic shock caused by the global outbreak of Covid-19.
 
 
 
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Here’s our summary of the proposed changes with links to the Budget documents if you would like more detail.
 
 
 
 
 
 
 
 
Their technical team are here to digest those big announcements that affect financial planners and tell them what we think it means for their clients and advice.  
 
 
 
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Bento 1125: AXA Investment Managers joins the Panacea Adviser community
10 Mar 2020

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Panacea Adviser has today announced global asset manager AXA Investment Managers as the latest firm to join its growing roster of provider partners.

This new tie-up will provide the Panacea community with a range of tools to support investment planning, including detailed information on fund performance, economic outlooks and market reports plus a host of brand new CPD material.

 
 
   
 
 
 
 
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With lots of things getting mispriced in the midst of the coronavirus panic, our chief investment officer Julian Chillingworth extols the virtues of keeping calm and looking beyond the current disruptions.

 
 
   
 
 
 
 
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Action to contain the new coronavirus, involving travel restrictions and quarantine areas, is economically damaging. Recent falls in stock market reflect this, but is this market reaction overblown?
 
 
 
 
 
 
 
 
Following a drawn-out period of stagnation, UK business and economic activity looks like it’s picking up again – and with it, investor interest in UK equities. We believe the UK market is currently enjoying a sweet spot, and here’s why.
 
 
 
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With over five hours of content, broken down in snippets of eight-minute tutorials, FundsNetwork's library of retirement technical videos can help you prepare for CII pension exams. Their video focusing on exam technique tips is particularly popular at this time of year.
 
 
 
 
 
 
 
 
In the latest of our editorial series, Link, AIQ brings members of Aviva Investors’ investment strategy, equity and debt teams together to discuss the prospects for financial markets and the world economy in the face of the coronavirus epidemic.
 
 
 
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High yielding UK equity fund with a contrarian investment approach. Watch the Talking Factsheet for the Schroder Income Maximiser fund.
 
 
 
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Bento 1124: What is your elevator pitch?
5 Mar 2020

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If a potential new client asked you what do you do, how well would you be able to sell your business and more importantly yourself? 
 
 
   
 
 
 
 
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For much of 2019, European equities were an unloved asset class, shunned by investors. At first sight, this was understandable – the region is growing only slowly, wracked by political tensions and wrestling with headwinds in vital sectors such as the German car industry. 
 
 
 
 
 
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We are asking readers of our ‘Bento’ and 'solus' emails to take part in a very short survey on what kind of information and content you enjoy receiving from us. This will help us ensure that we continue to provide you with the very best relevant, timely, and useful communications allowing  you to better support and service your clients needs in a fast moving digital world.
 
 
   
 
 
 
 
 
 
 
UK investors considering whether to allocate to global investment-grade credit may discover the broader diversification benefits can significantly improve a portfolio’s overall risk dynamics.
 
 
 
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Watch the latest talking factsheet for the Schroder Asian Income fund, a seasoned Asian equity investor with a sensible investment approach.
 
 
 
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Bento 1123: Coronovirus, is it all just fake news?
2 Mar 2020

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As UK and global hysteria increases, stock markets crashing, holidays ruined, flights to the far east cut, schools closing, self-isolation increasing, even C4’s Jon Snow, 6 nations rugby put on hold and globally goodness knows what else to try and contain the march of the Covid19 virus.

 
 
   
 
 
 
 
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Prudential are pleased to announce that due to the strength of the With-profits Fund, they’ve shared additional surplus with some With-profits customers invested in the With-profits Sub Fund.
 
 
 
 
 
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David Harrison, manager of the Rathbone Global Sustainability Fund, having seen first-hand the growing trend of responsible capitalism in America, makes the case for getting up close to see whether companies are really serving all their stakeholders, or just paying lip service.
 
 
   
 
 
 
 
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In the first of a new editorial series, Link, AIQ brings together people from across Aviva Investors to debate topical themes. Mirza Baig and Stephanie Niven consider whether CEO claims about running businesses for multiple stakeholders rather than shareholders alone is a grand idea or just plain grandstanding.
 
 
 
 
 
 
 
 
A question I have often been asked lately is “is the Greta effect going to last?”. How much influence is this public figure going to have and are the social movements she inspired really going to transform our society?
 
 
 
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An attractive long-term option for investors seeking exposure to the Asian region, watch the latest talking factsheet for the First State Asia Focus fund.
 
 
 
 
 
 
 
 
Co-Fund Managers, Carl Stick and Alan Dobbie reflect on 2019  and the how the Rathbone Income Fund has performed over the last decade.  Together they discuss their plans and focus for 2020. 
 
 
 
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Bento 1122: Panacea member’s preferential rates on foreign payments with FAIRFX
28 Feb 2020

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FairFX offers a bespoke currency management service to help individuals and businesses maximise their overseas currency exposure.  FairFX have helped over a million customers manage their currency requirements. Making same day payments with zero handling fee’s saving on average around 4% compared to high street banks on our clients currency exchange rate.
 
 
   
 
 
 
 
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Sunil Krishnan discusses the conditions for a continued rise in global equities, the potential of Japanese and US equities to outperform from a regional perspective, and some attractive features of emerging markets – particularly Brazil – which may have been overlooked.

 
 
   
 
 
 
 
 
 
 
Alexandra Jackson, saw her Rathbone  UK Opportunities Fund outperform the  sector, in what was a turbulent year of highs and lows. She looks to the future, and explores whether we’ve seen the last of the Boris Bounce. 
 
 
 
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Krishan Selva, Client Portfolio Manager, discusses year end 2019 performance and the opportunities and challenges as we look out to 2020.
 
 
 
 
 
 
 
 
We are doing some research around network appointed rep agreements and would appreciate it if anyone could share theirs with us. Obviously this is in strictest confidence. Along with any observations, pluses etc.
 
 
 
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We are asking readers of our ‘Bento’ and 'solus' emails to take part in a very short survey on what kind of information and content you enjoy receiving from us. This will help us ensure that we continue to provide you with the very best relevant, timely, and useful communications allowing  you to better support and service your clients needs in a fast moving digital world.
 
 
 
Wealth & money management awards
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