Bento Bulletin

Why goal setting can open doors for you in 2020

This article is about how to choose New Year's resolutions that could actually change your life and more importantly how to keep them!

January (in Latin, Ianuarius) is named after another Latin word, this time for door (ianua), this was because the first month was viewed as the door to the coming year and an opening for new beginnings.

Royal London: Understanding the value of family income benefit

Do you have clients who need critical illness cover but they're put off by cost? Having cover that pays out an income rather than a lump sum could be the solution.

24/01/20
Invesco - Investment Intelligence Seminars 2020 - Bristol

24/01/20
Invesco - Investment Intelligence Seminars 2020 - Manchester

24/01/20
Invesco - Investment Intelligence Seminars 2020 - Bristol

Where to buy a property abroad in 2020

In 2019 we had a steady number of enquiries from people interested in purchasing a property abroad as exchange rates more or less stayed the same throughout the year. Some spikes were occasionally seen due to the Brexit date being moved around and people wondering if it would ever happen.

M&G Positive Impact Fund Annual Impact Report

There is a spectrum of approaches to responsible investment, from simplistic negative screens that exclude certain sectors or industries to the full integration of ESG factors in the investment process.

Columbia Threadneedle Investments: 2020 – the year of excitement?

We are threatened with excitement in 2020, from civil unrest and ongoing trade wars to political upheaval and market volatility.

Square Mile Research: Faces of the Future

Square Mile talked to some of the fund management faces of the future on their background, career path and what they like to do outside of work and this is what they said...



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Bento 1109: Resolutions don’t work but goals do
20 Jan 2020

Resolutions don’t work but goals do

So did you set a new year’s resolution for 2020?

Perhaps you pledged to get fit and lose weight after the festive excesses or even give up drinking after visiting the recycling centre and dropping off all those wine bottles?

Personally, I am no fan of New Year’s resolutions, as statistically not many of us stick to them.

Rathbones In the KNOW blog: Spot the difference

2019 started with the glass half empty and ended with the glass half full. Then markets were jolted by a US missile attack as the new year began, and chief investment officer Julian Chillingworth ponders whether recent positive signs can become lasting trends in 2020.

21/01/20
The Joint Investment Forum Southampton

21/01/20
Invesco - Investment Intelligence Seminars 2020 - Swansea

21/01/20
Invesco - Investment Intelligence Seminars 2020 - Birmingham (East)

Aviva: When it comes to drawdown is your tech acting as friend or foe?

The lang cat’s research made it clear – giving your clients what they want is paramount, but every client is different. We’re offering flexible solutions on our platform to help fulfil all requirements and make life easier for you too. Find out what else the research revealed and what we're doing to improve our platform options,

Baillie Gifford: James Anderson on the Imperatives of Growth Investing

James Anderson of Scottish Mortgage Investment Trust discusses why we need to embrace risk and volatility to achieve long-term rewards.

M&G Webcasts: Richard Woolnough's outlook for 2020

Watch our latest webcast with Richard Woolnough, Fund Manager of the M&G Optimal Income Fund, as he reflects on the opportunities and challenges for global fixed income in 2020.

Prudential CPD compilation – Pensions and divorce

Often couples know the value of assets such as investments and houses but they don’t know the value of their pensions and these could be the largest asset to be dealt with on divorce.

Square Mile Research: Talking factsheet for the ASI MyFolio Managed Range

A range of multi-asset funds targeting a broad spectrum of risk and return objectives. View the talking factsheet for the ASI MyFolio Managed Range



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Bento 1108: Control your own destiny or someone else will!
16 Jan 2020

Control your own destiny or someone else will!

My last article was about Business Vision, the ability to define with confidence and facts the way in which your business and life could evolve. I’d now like to look at a key step in this process, the business audit.

16/01/20
Invesco - Investment Intelligence Seminars 2020 - Southampton

17/01/20
Invesco - Investment Intelligence Seminars 2020 - Slough

20/01/20
The Joint Investment Forum Newmarket

Square Mile partners with FE fundinfo to launch fund dashboard

Square Mile and FE fundinfo are to assist financial advisers in their fund selection through the launch of a Fund Dashboard.

Baillie Gifford: Boss Class

The best European companies are those whose management think hardest about securing future growth, says Stephen Paice of Baillie Gifford’s European Fund.

FundsNetwork's tax year end material to help client discussions

To help you plan and implement campaigns during this key period, FundsNetwork's tax year end hub brings together a whole range of material to support your activity and client discussions.

Money Facts: Investment Life & Pensions January 2020 is out today

It includes a special focus on Tax & Estate Planning. News on FCA pushing ahead with simpler platform transfer rules, as well as the most up-to-date fund performance figures of any trade monthly, covering over 9,000 funds.

Save 30% today for a 12-month subscription to Investment Life & Pensions Moneyfacts magazine.

M&G: Trading places: battle of the superpowers

Equity markets were surprisingly upbeat in 2019, despite slowing economic growth, ongoing trade disputes and geopolitical tension. Can markets deliver again in 2020?

Wizard Learning: Learning to Learn audiovisual presentations – part 2 of 3

To continue helping to make your studying effective, our second series of Learning to Learn presentations moves from the planning stages to the actual studying process.



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Bento 1107: FCA consultations, is this any way to run a ballroom 2?
9 Jan 2020

FCA consultations, is this any way to run a ballroom 2?

Last month we made available for all to see the results of an FOI request to the FCA relating to consultations. Our worst fears were realised when we eventually got a reply.

It confirmed what it would seem many held as a shared view.

If some 93,000 regulated firms can manage to muster an average, based on my FOI reply, of some 45.6 respondents per consultation, what hope is there for firms to engage with any FCA consultation if those responding feel there is not some very real input to shape positive outcomes that is listened to.

13/01/20
Invesco - Investment Intelligence Seminars 2020 - York

14/01/20
The Joint Investment Forum Manchester

14/01/20
Invesco - Investment Intelligence Seminars 2020 - London (City)

Rathbones In the KNOW blog: 2020: the year ahead. Maybe?

Our head of multi-asset investments, David Coombs, consults the tea leaves as he prepares for a new decade.

FundsNetwork: Senior Managers and Certification Regime (SM&CR)

A new regulatory regime is beginning – is your firm ready?

The FCA has extended the Senior Managers and Certification Regime (SM&CR) to all solo-regulated firms from 9 December 2019.

Invesco: Investment outlooks 2020

Invesco’s investment teams from around the globe outline their expectations for 2020 to help investors plan for the coming year, wherever the markets take us.

Graeme Abell

Many will know Graeme Abell, Director of Nationals & Networks for M&G UK Retail. He had worked for M&G for some 19 years and retired in December. It was therefore with considerable sorrow that we learned of his untimely death just before Christmas. He was a great friend and supporter of Panacea and we are sure he will be sorely missed by very many of our IFA community in addition to his family.

Square Mile Research: Broomer's Blog - Outlook December 2019

Recession risk remains heightened though the odds of one forming have dropped as the economic data shows signs of stabilising. Read the latest thoughts from Jason Broomer, Head of Investment.

Rfolios Weekly Broadcast

How did markets around the world fare in 2019? With fears of further US interest rate rises, the economic slowdown in China and a potential trade war in the mix in late 2018, the economic outlook for 2019 wasn’t bright.



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Aegon Advice Makes Sense hub
7 Jan 2020

The changing face of advice

Advice Makes Sense hub

We've created this hub to help you navigate the latest industry changes, developments and issues. You’ll find our latest articles and research, as well as links to our other technical hubs to further develop your knowledge and support your conversations with clients.

Ronnie Taylor, Chief Distribution Officer, speaks to CISI's Chris Morris about the fundamental issues that will impact on the future of financial advice.

Cash solutions and phased investments

Help reassure nervous clients and reduce their exposure to volatile markets.

Why seek financial advice guide

To find out firsthand what the barriers to taking financial advice are, we asked over 2,000 consumers what they thought about financial advice. The results are extremely encouraging showing how much of a difference advice makes to people’s lives. Three quarters (73%) of people with a financial adviser have clear financial and personal goals and know what they’re saving for, compared to just 39% of those who have never used an adviser. These findings will be of use to dispel any preconceptions about advice and encourage potential clients to seek your expertise.

Read Aegon's latest platform investment trends report

We surveyed over 250 financial advisers to understand how they and their clients are using platform investments.

Market snapshot podcast

Listen to Nick Dixon, Investment Director, and Richard Whitehall, Head of Portfolio Management, chat about Brexit, their current asset class views, and what it all means for investors.

*Community facts provided by Equifax Touchstone. Q3 2017

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The most read partner articles of 2019
27 Dec 2019

The most read partner articles from 2019

M&G: The importance of infrastructure

Infrastructure holds an important place in the fabric of modern society, serving as the backbone of the world economy.

The Exeter: HealthWise - unique benefits built on experience

Illness and injury can happen to anyone at any time, and for some it can have a big impact on everyday living, both now and in the future.

Schroders: Busting the millennial myth

Millennials, broadly defined as the generation born 1980-20001, 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.

Rathbones: The value of DFM

While partnering with a Discretionary Fund Manager is an established investment discipline, there’s been virtually no hard data on how advisers who’ve adopted it have performed against non-adopters.

Aegon: Defined benefit hub

Take a look at our 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.

Scottish Mortgage – Invest in Progress

Scottish Mortgage is the UK’s largest investment trust. Join joint managers James Anderson and Tom Slater, as they discuss why they believe that it is the impact of a very small group of exceptional companies leading fundamental change in industry, the economy and society that is driving returns for long-term investors.

Guardian: When the Wheel of Life lands on a heart attack…

Nobody can predict if or when a heart attack might strike. But what’s most important to know is that if it does happen, the protection your client bought is going to pay out when they need it most.

Royal London: How sustainable income levels can protect portfolio strength

Taking a sustainable level of income is important in helping drawdown customers maintain a resilient portfolio during periods of investment volatility.



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Bento 1106: The land of make believe... where fiction meets fact
23 Dec 2019

The land of make believe... where fiction meets fact

I have just returned from FECIF’s 20th Anniversary Conference in Brussels. FECIF is the European Adviser and Intermediaries Association and Libertatem has been a member since we first opened our doors for business.

Rathbones: No! Jeremy Corbyn

Boris Johnson has won a strong mandate to get on with his Brexit deal, sending sterling shooting higher. But what else will his government do in the next five years?

FairFX: Pound spikes as conservatives win general election

Boris Johnson will remain as the UK Prime Minister after the Conservatives won with a 72 seat majority (having won 361 seats with 648 of 650 seats declared) which saw the pound react positively as the results of the vote were announced.

Invesco: General Election 2019: What now?

The election is over and the results are in – a Conservative majority. But what could we expect looking ahead?

Investment Life & Pensions Moneyfacts offer

Moneyfacts has negotiated a new, special subscription offer, exclusive to Panacea Adviser members! Save 30% on a 12-month subscription to Investment Life & Pensions Moneyfacts magazine.

Gain 30 minutes structured CPD in Aviva’s free investment webcast

Assess the advantages and disadvantages of using smoothed investment solutions, in addition to busting some of the myths surrounding them. Don’t miss out – last chance to view the webcast.

M&G: Investment outlook: What awaits us in 2020?

In this short video, hear M&G fund managers Stefan Isaacs, Tristan Hanson and Michael Bourke discuss where they see challenges and opportunities for investors in the New Year.

The Exeter: “Thank you” for your continued support

As we reach the end of 2019, we want to say a big “thank you” for your continued support. We look forward to working with you in 2020 and hope you enjoy the festive season.



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Season's Greetings
20 Dec 2019

Season's Greetings

As the holiday season is upon us, we find ourselves reflecting on the past year, our wonderful and very loyal IFA community who have helped to shape what we do, with who, how and when. It’s been quite a year for all in the adviser world. We hope that 2019 has been successful and memorable for you, your colleagues and your loved ones.

The team at Panacea wishes you peace, joy and prosperity throughout the festive season and the coming year.

A big thank you for your continued engagement and support, a rich and vibrant community that is responsible for over 60% of the UK intermediated financial services distribution in 2019. Without it we could not do what we do. We look forward to supporting you all once again in 2020.



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Bento 1105: Celebrating two years of infrastructure investing
12 Dec 2019