Bento Bulletin

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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Show last issues.

Bento 789: Seeing what others don’t and going for it
22 Mar 2017

In this issue: Investment commentary, protection news, forthcoming webcast and auto enrolment update.
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How was your day yesterday, did you achieve what you set out to do or did the events of the day over take you and stop you being as efficient as you originally set out to be?

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Latest updates
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The Schroders Economics Group provides its annual update of its 30-year return forecasts for a range of asset classes.
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Watch Investment Director Ed Park's weekly market commentary and read detailed economic and market news from in-house research team.
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“Hard” or “soft, who knows what the impact of Brexit will be on the spending power of retirees.
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Partner news
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Register for our next webcast on recent market and economic conditions, potential issues of current volatility & opportunities that exist as a result.
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Philip Hammond’s first Budget as chancellor shows the government is struggling to rein in deficit despite an improved near-term economic outlook.
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In-depth research, a flexible approach and sticking to a tried and tested philosophy have brought rewards.
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Panacea poll
Do you believe that attracting the next generation of advisers poses a major problem for our industry?
Panacea poll
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Bento 788: How safe is 4% withdrawal rate – compare with personalised underwriting
21 Mar 2017

In this issue: Investment commentary, pension update, tax news and business development video.
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Fears are growing that the debated 4% annual income from drawdown is too high and not sustainable in retirement. A one size fits all approach doesn’t work, advisers need to include underwriting at product purchase and at every drawdown review.
Latest updates
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I am a believer in the power of goals and preparing for the future, whilst harnessing simple techniques to ensure your dreams succeed.
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Midnight, 5 April 2017 is closer than you think.
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Finding companies on the up is the goal for any fund manager, but identifying struggling businesses also has the potential to add value.
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Partner news
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Prudential have introduced a new service which allows you to submit an ISA application online, making customer’s applications faster and simpler.
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With an eye on central bank policy, inflation and political developments, active fund managers in credit markets are likely to have challenging year.
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Minimum contribution levels for automatic enrolment are increasing – you may have heard this described as ‘phasing’.
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Events this week
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More info
Panacea poll
Do you believe that attracting the next generation of advisers poses a major problem for our industry?
Panacea poll
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Bento 787: We've got to start thinking beyond our guns - those days are closing' fast
17 Mar 2017

In this issue: Investment commentary, retirement news, events and webcasts.
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When contemplating the future of the financial advice industry, I can’t help but be reminded of the late sixties movie The Wild Bunch. Set in 1913 Texas, the film follows an ageing gang of outlaws looking for one final score as the traditional American West disappears around them. 

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Latest updates
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Investment Director Ritu Vohora reviews the continued rally in global equities and discusses the European enigma of to buy or not to buy.
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Schroders: There is only one way to think about risk
Different people have different perceptions of what constitutes risk in an investment. We give our view on the only way you should be looking at it.
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We are pleased to announce that our Adviser Academies are returning across 11 UK locations between April and June 2017.
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Partner news
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Height, weight & postcode. Starting with simple factors, modern underwriting has the power to shape retirement plans in ways you can’t predict.
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Time and time again Financial Advisers tell us that they want to use Social Media more effectively.
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M&G are back with their Majoring on the Macro roadshows. Returning for the second successful year, come and hear fund-free discussions.
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Panacea poll
What effect will the recent increase in business rates have on my business being sustainable after April 2017?
Panacea poll
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Bento 786: Advisers’ fees should reflect the scale of the risk they take
15 Mar 2017

In this issue: Protection news, investment commentary and forthcoming events.
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If I paid a decorator to decorate the exterior of my house, I would expect their fee to increase depending on the number of storeys of my house. If I wanted them to decorate the exterior of a 20-storey apartment, I would expect the fee to reflect the risk undertaken.
Latest updates
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Will national self-interest in the US, China and Russia lead to the emergence of new ‘spheres of influence’?
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We’re all used to getting ‘value added benefits’ with the financial products we buy i.e. cinema tickets, toys and free membership to name a few.
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With a close eye on central bank policy, inflation and political developments, active fund managers are likely to have a challenging year ahead.
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Partner news
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Andy Brown (Investment Director) at Prudential Portfolio Management Group (PPMG), was joined by two of the PPMG team for a Q&A session.
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A 25-basis-point hike by the US Federal Reserve is almost a fait accompli now. After Friday’s nonfarm payrolls figure delivered a healthy 235,000.
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Add value to your client conversations with Scottish Widows new Protect Essentials films for insight into key product and industry topics.
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Events this week
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More info
Panacea poll
What effect will the recent increase in business rates have on my business being sustainable after April 2017?
Panacea poll
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Bento 785: How valuable are you clients now and in the future?
13 Mar 2017

In this issue: Protection news, investment commentary and interviews and retirement videos.
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It is clear that retention will be the new marketing of the future as businesses move from a hunter dynamic to a client farming engagement to maximise profitability with a service proposition tailored to the needs and objectives of the client. The age of the client farmers is upon us.

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Latest updates
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We have taken the very best of our protection solutions and given your clients the opportunity to make them, well…even better!
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Clare Moffat at Prudential, considers the impact of IHT on pension death benefits and also the potential impact of the Staveley case.
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With a close eye on central bank policy, inflation and political developments, active fund managers are likely to have a challenging year ahead.
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Partner news
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As the president of the United States settles into the role, North American Income Trust manager talks about the future for North American markets.
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Like the UK, the Netherlands is a relatively small nation that grew wealthy as a result of centuries of international business.
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FundsNetwork has extended their range of videos to cover more topics, including tapered annual allowance, pensions, bankruptcy and fixed protection
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Events this week
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More info
Panacea poll
What effect will the recent increase in business rates have on my business being sustainable after April 2017?
Panacea poll
Wealth & money management awards
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Bento 784: Budget special
9 Mar 2017

In this issue: Spring Budget 2017 - Provider summaries
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Spring Budget 2017
Chancellor Philip Hammond has delivered his Spring Budget speech. This email provides a summary of the key announcements for both businesses and individuals.

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Latest updates
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With the majority of his major announcements made in last year’s Autumn Statement, the Chancellor focused this Budget on "investing in Britain’s future".
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There seems to have been a continual stream of key announcements and regulatory changes for the last few years.
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No alarms and no real surprises from Chancellor of the Exchequer Philip Hammond as he seeks a firm fiscal footing ahead of a crucial period.
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Partner news
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The Chancellor delivered his first full Budget speech, second under the current Conservative government and the last scheduled for this time of year.
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Philip Hammond delivered his first and last Spring Budget on Wednesday 8 March 2017.
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The British Chancellor of the Exchequer, Philip Hammond, has delivered his first (and final) Spring Budget.
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Events next week
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More info
Panacea poll
What effect will the recent increase in business rates have on my business being sustainable after April 2017?
Panacea poll
Wealth & money management awards
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Bento 783: Luxury retail real estate: poised for growth or close to the limit?
8 Mar 2017

In this issue: Investment news, protection update, learning and development news
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The retail real estate sector is increasingly polarised between secondary locations and shopping destinations with a luxury profile. This divergence reflects two factors: the increasing significance of e-commerce and the growth of luxury shopping tourism. Can we expect this trend to continue?

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Latest updates
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Over the last few weeks we have shared with you some of the great features and optional benefits available with our critical illness cover.
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Finding reliable sources of income and growth is no mean feat for today’s investors.
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In this client-friendly video, Tom Dobell, manager of the M&G Recovery Fund, provides an update on the fund’s performance and positioning.
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Partner news
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Watch Investment Director Ed Park's market commentary and read detailed economic and market news from our in-house research team.
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The hunt for income yield seems unlikely to decelerate in the near future.
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Reckitt Benckiser’s household name brand may be reassuring but, the numbers involved in its proposed purchase of a US baby milk manufacturer are not.
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Events this week
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More info
Panacea poll
What effect will the recent increase in business rates have on my business being sustainable after April 2017?
Panacea poll
Wealth & money management awards
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Bento 782: What’s your duty of care on past advice?
7 Mar 2017

In this issue: Investment commentary, pension news, budget webex and protection update.
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Alan Hughes, a partner at Foot Anstey, explains how a recent High Court case, Denning v Greenhalgh Financial Services Limited, has provided some useful guidance on the scope of retainers and how this may impact on the duties an adviser may owe in respect of advice given to a client by a previous firm.

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Latest updates
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Europe’s political future may be uncertain, but the continent remains home to some of the world’s strongest brands and fastest-growing companies.
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Welcome to your February update – this regular e-newsletter brings you TPR’s latest automatic enrolment (AE).
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It's that time of year again when the Chancellor of the Exchequer Philip Hammond will deliver the first of two Budgets this year to Parliament.
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Partner news
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Protection providers often extol the benefits of placing plans in trust. 
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“Hard” or “soft, who knows what the impact of Brexit will be on the spending power of retirees.
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We want to offer your clients the very best cover we can, for a large majority of people that means providing cover for what they value most, their children.
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Events this week
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More info
Panacea poll
What effect will the recent increase in business rates have on my business being sustainable after April 2017?
Panacea poll
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Bento 781: Nothing is more certain than death, taxes...and eye watering probate charges
3 Mar 2017

In this issue: Tax news, investment commentary, protection update and recent webcast.
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Late on Friday the 24th of Feb, the Lord Chancellor confirmed that following consultation in February 2016  on a change to Probate Fees in England and Wales, the Government will now shortly bring forward legislation to introduce the new fee basis as outlined in their 2016 consultation document  wef “ spring 2017” (my assumption this means April ). 

The purpose of this Probate Fee change is to aid cover the cost of running the Courts and Tribunals in England and Wales, it is expected to raise circa £250m for the Exchequer.

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Latest updates
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Investors may obsess about a business’s ‘headline’ numbers, such as revenue or growth.
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Next Monday’s BVTV will be an emerging markets special, featuring retail fixed interest deputy fund manager Charles de Quinsonas.
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Tom Holl, co-manager of BlackRock’s Commodities Income Investment Trust, discusses the future for this diverse sector.
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Partner news
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In my last blog (Critical Illness cover - a solid foundation) I told you a little bit about the ‘solid foundation’ laid down through our critical illness proposition.
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This webinar highlights some simple tools and techniques we can all use to prepare for a profitable and less stressful future.
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Aviva Investors: AIMS Target income success
The Aviva Investors Multi Strategy (AIMS) Target Income fund was launched in December 2014.
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The Expected Growth Rates (EGRs) reflect Prudential’s view of how they think each PruFund will perform over the long–term. 
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Banks were the initial beneficiaries as inflation began to re-emerge.  James Sym, looks at the other sectors that offer attractive opportunities.
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While all eyes have been on Brexit, the countries of emerging Europe have been quietly going about their business.
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Events next week
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Panacea poll
What effect will the recent increase in business rates have on my business being sustainable after April 2017?
Panacea poll
Wealth & money management awards
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Bento 780: New Software Survey and Analysis from across the pond
1 Mar 2017

In this issue: Investment commentary, investment survey, pension update and fintech news
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The technology options for professional financial planners and advisors are evolving at a dizzyingly rapid rate.

Every week, we see new options, new integrations, and ever-more-powerful features. Even the most basic questions are being turned on their heads.

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Latest updates
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M&G BVTV: And the Oscar goes to….Political risk
We’ve talked before about how important political risk will be in 2017, as French markets have been the latest to discover.
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Watch Investment Director Ed Park's weekly market commentary and read detailed economic and market news from in-house research team.
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Join Skye Macpherson, Director and Portfolio Manager for a live and interactive webcast on 7th March.
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Partner news
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Say what you want about overpriced bonds, for investors there is no comfort blanket quite like them.

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For the chance to win £75 of John Lewis gift vouchers please complete this survey. The questions should take less than 2 minutes to complete.
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February already!  Busier than ever, helpline phones and emails have been hot with 500 more queries this January than last.
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Events this week
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Panacea poll
What effect will the recent increase in business rates have on my business being sustainable after April 2017?
Panacea poll
Wealth & money management awards
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