Bento Bulletin

Episode 200 of the Marketing & Finance Podcast

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.

Defaqto: Building a multi-asset solution - how hard it can be?

Join Patrick Norwood for this short webinar from our series about building multi-asset solutions.

18/02/19
Invesco - Investment Intelligence Seminars 2019 - Round 1: The end of the cycle

20/02/19
Legal & General - LGHF ER1 Qualification Workshop

21/02/19
Invesco - Investment Intelligence Seminars 2019 - Round 1: The end of the cycle

Legg Mason: Tilting toward accommodation

Subdued global inflation should provide monetary policymakers with a ramp to be more accommodative and perhaps pull back from their normalization efforts.

Prudential: Inheritance Tax webinar– overview, update, planning & trusts

Register to join one of Prudential’s webinar sessions on Thursday 21 February to help you identify new opportunities with your clients.

Royal London: Webinar invite: tools to help you have better protection conversations

Please join us from 10.00am - 11.00am on Tuesday 19 February for a free webinar.

Guardian’s Katya Maclean promoted to Chief Operating Officer

Protection challenger, Guardian, has promoted Katya MacLean, previously Proposition Director, to the role of Chief Operating Officer.

M&G: US Fed climbs down from rate hikes

This month’s video looks at the Fed’s dramatic shift to a more dovish stance, with an emphasis on patience.

Royal London: We’ve improved your online dashboard

We’ve introduced some new features to our online journey so you can see where your applications are in the process.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 1008: Are you investing for impact?
12 Feb 2019

Are you investing for impact?

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.

Aegon: Using salary sacrifice to put a priority on pensions

Back in 2017, the government reduced the number of employee benefits that would have previously attracted tax savings when arranged through salary sacrifice schemes.

14/02/19
Old Mutual Wealth - 2019 Pension Masterclasses: Responding to change

14/02/19
Legal & General - Breakfast Roundtables - Optimising Property Equity for Income

15/02/19
Invesco - Investment Intelligence Seminars 2019 - Round 1: The end of the cycle

FundsNetwork: Pension considerations – a step-by-step approach

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.

Aviva Investors: The big interview with David Miliband: The West in retreat

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

Prudential: Finding the perfect B&B

The internal fund tax of wrappers such as bonds and Open Ended Investment Companies (OEICs) can be confusing.

Defaqto: What is behind the evolution of managed portfolio services?

The evolution of MPS has been somewhat rapid, particularly over the past few years.

Royal London: Increasing the Financial Ombudsman Service (FOS) award limits

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

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 1007: The power of an incisive question
8 Feb 2019

The power of an incisive question

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.

12/02/19
Legal & General - Breakfast Roundtables - Optimising Property Equity for Income

13/02/19
Invesco - Investment Intelligence Seminars 2019 - Round 1: The end of the cycle

14/12/19
Old Mutual Wealth - 2019 Pension Masterclasses: Responding to change (Guildford)

Aegon: An update on the lifetime allowance

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.

Schroders: Infographic: A view of the world economy in January 2019

This month's infographic looks at three economic themes for 2019 as well as some black swan risks.

Prudential: Age is no barrier

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.

FundsNetwork: ISA and pension marketing campaigns

Create your own marketing campaigns using FundsNetwork’s sample letter templates, which highlight the benefits of investing in pensions and ISAs.

Aviva Investors: Finding flow: four rules for successful collaboration

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.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 1006: Diversification delivers
6 Feb 2019

Aegon: Consolidating your clients' assets into one place

Diversification delivers

Royal London’s Governed Portfolios have reached their ten-year milestone. Lorna Blyth, Head of Investment Solutions, reflects on how diversification can deliver.

Using our Aegon Retirement choices (ARC) platform could be the right move for you and your clients.

Defaqto: Risk tools – are they all that?

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.

M&G: Outlook 2019: Emerging Market Debt

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.

Schroders: Eurozone growth fails to recover as Italy slips into recession

The eurozone economy grew by just 0.2% in the final quarter of 2018 according to the flash GDP estimate released this morning.

Rathbones: Great timing

US nonfarm payrolls smashed expectations once again, posting 304,000 new jobs in January instead of the 165,000 forecast.

NS&I: Invest in Premium Bonds with just £25

NS&I have reduced the minimum initial investment for Premium Bonds from £100 to £25.

Dynamic Planner: Enrich your Fund Research with Improved Fund Performance Charting

The new fund performance tool allows you to compare up to 10 funds at a time for a selected time period.

M&G Webcast: Introducing the M&G Positive Impact Fund

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.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 1005: Busting the millennial myth
4 Feb 2019

Busting the millennial myth

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.

11/02/19
Kinder Institute of Life Plannning - Join our Seven Stages of Money Maturity Workshops and Receive CE Credits!

06/02/19
Old Mutual Wealth - Making the most of the pension funding tax breaks

07/02/19
Invesco - Investment Intelligence Seminars 2019 - Round 1: The end of the cycle

M&G: 4 recommendations to up your ESG game

Sustainability is increasingly becoming more of a need than a choice – for society and investors alike.

New Dynamic Planner and Intelligent Office Integration is Live

The new Dynamic Planner iO integration provides you with a seamless journey, removing manual exporting and importing steps from the process.

Seneca: Peter Elston: Investment Letter

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.

Old Mutual Wealth: Children’s critical illness cover

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.

Defaqto: Fintech is the future - along with traditional advice

There may be some readers who have been around long enough to remember the ‘tech bubble’ of the late 1990s.

Aegon: Register for our Demystifying trust and IHT planning webinar – earn 40 minutes of CPD time.

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

NS&I adviser survey reveals security and liquidity are driving behaviour

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.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 1004: Plastic (not so) fantastic
1 Feb 2019

Plastic (not so) fantastic

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.

06/02/18
Dynamic Planner - Dynamic Planner Annual Conference 2019 London - Transform The Way Clients See You

04/02/18
Invesco - Investment Intelligence Seminars 2019 - Round 1: The end of the cycle

05/02/18
Old Mutual Wealth - 2019 Pension Masterclasses: Responding to change

M&G Investment: Downside protection while capturing the upside

In a year characterised by increased volatility and changes in market leadership, financial markets struggled to generate positive returns.

Royal London: A decade of delivering - our multi asset Governed Portfolios turn ten

We’re celebrating a decade of delivering for your clients throughout stormy market conditions.

Dynamic Planner Announces £5m Tech Investment with Launch of Dynamic Planner Elements

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.

Seneca: Peter Elston: Investment Letter

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: Suitability report templates now available in Engage Core

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.

*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

BlackRock’s Larry Fink’s 2019 Letter to CEOs

In his annual letter on corporate governance, BlackRock CEO Larry Fink explores how companies can achieve long-term financial returns.

31/01/19
Old Mutual Wealth: 2019 Pension Masterclasses: Responding to change (Durham)

31/01/19
Old Mutual Wealth: 2019 Pension Masterclasses: Responding to change (Gateshead)

31/01/19
Invesco: Investment Intelligence Seminars 2019 - Round 1: The end of the cycle

Royal London: Steve Webb - How long does your client’s money need to last?

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.

News from RSMR

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.

Old Mutual Wealth: Making the most of the pension funding tax breaks

The tax advantages associated with registered pension schemes can be enormously beneficial in helping members to secure their financial future.

Dynamic Planner: First Annual Conference in Manchester Wows Audience

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.

Aviva Investors: Why a US recession in 2019 is unlikely

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.

M&G Webcast: Introducing the M&G Positive Impact Fund

Join us on Thursday 21 February at 10am, where we will discuss the recently launched M&G Positive Impact Fund.

Rathbones Review of the Week

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.

*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

Can anyone imagine a large UK business being run like this?

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.

Defaqto: How to do client reviews efficiently

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.

29/01/19
2019 Pension Masterclasses: Responding to change (Ashford)

29/01/19
Investment Intelligence Seminars 2019 - Round 1: The end of the cycle (Brighton)

29/01/19
Defaqto: Selecting investment strategies for income webcast

M&G: Bond Vigilantes Weekly: Globalisation-mecca Davos loses shine as trade wanes

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: Your pension and ISA resources in one place

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.

Legal & General Home Finance Breakfast Roundtables - Using Property Equity for Income

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.

Invesco Global Targeted Returns Fund (UK) – Q4 2018 review

Listen to Clive Emery Multi Asset Product Director discuss the Invesco Global Targeted Returns Fund (UK)’s* performance in Q4 2018...

Sytner: Exclusive offers for 2019

Hundreds of offers available across 21 Prestige brands.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 1001: Feel brave enough FCA?
25 Jan 2019

Feel brave enough FCA?

Being responsible is what the financial industry should be about.

Sadly we have now reached a stage that the responsibility now falls on all as the few who mess it up never have the resources to put things right, previously referred to as ‘the polluter pays’.

28/01/19
Invesco: Investment Intelligence Seminars 2019 - Round 1: The end of the cycle - Tunbridge Wells

28/01/19
Invesco: Investment Intelligence Seminars 2019 - Round 1: The end of the cycle - Glasgow

29/01/19
Old Mutual Wealth: 2019 Pension Masterclasses: Responding to change (Ashford)

FundsNetwork: Annual allowance and utilising carry forward

To help your clients understand the importance of maximising their pension contributions, check FundsNetwork’s factsheets on annual allowances and carry forward.

M&G Fund Update

Watch fund manager Jim Leaviss give his views on key drivers for global markets in the previous year, commenting on what worked well and what didn't for the Fund, moving on to his approach to 2019.

The 'Dos and 'don'ts' of debt - talk - Royal London

“Blue Monday” is the third Monday of January, so-called because it is meant to be the most depressing day of the year. This is due to a combination of factors – but one of these factors is post-Christmas debt levels – they tend to be higher than at other times of year.

FundsNetwork: Taking the CII pension exams this April or just need a refresher?

FundsNetwork’s library of retirement technical videos can help you prepare for the CII pension exams, including a video focusing on exam techniques.

Key Partnership: 2018 Equity Release Market Monitor

This week Key has released its Market Monitor report for the whole of 2018 and it highlights that the equity release market continues its record-breaking growth.

Your Future Sipp by Curtis Bank

We’re delighted to share that Curtis Banks' new pension, Your Future SIPP, will be available in just a couple of weeks’ time.

Defaqto: Selecting investment strategies for income

Paul Tinkler, Insight Consultant, will give an introduction to the challenges facing advisers in managing retirement plans for clients in today’s marketplace.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 1000: A fourth way to fund regulation?
23 Jan 2019

A fourth way to fund regulation?

First of all Panacea followers, this is our 1,000th Bento. Given this landmark status, I felt that it should contain something special, and with that in mind, I would like to make a heartfelt suggestion or two about how the regulation and protections in the financial services industry could be re-engineered, for in regulatory parlance, better regulated firm and consumer outcomes.

24/01/19
Dynamic Planner Annual Conference 2019 Manchester - Transform The Way Clients See You

24/01/19
M&G Investments: The Joint Investment Forum - London

24/01/19
Old Mutual Wealth: 2019 Pension Masterclasses: Responding to change (Kingswood)