Bento Bulletin

What do advisers think about service levels and standards delivered by the FOS?

Channel 4 ‘Dispatches’ itself tackled the FOS earlier this year, painting a rather bleak picture of operations. As a result of the programme, FOS Boss Caroline Wayman has launched a review so it could "better understand and address the concerns" raised by Dispatches. This will be reported to Parliament shortly before summer recess.

Hopefully our survey, which will be shared with the FOS and Nicky Morgan (Chair of the TSC), will prove timely, and for Ms. Wayman provide a view of the FOS from an adviser perspective. And the industry itself can ponder if things have got better or not since 2011, 2014 and 2016.

Please complete the anonymous, 5-minute survey and share it with your colleagues.

FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Tortworth

26/06/18
FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Southampton

27/06/18
FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Exeter

28/06/18

Legg mason: Constraints for unconstrained bond managers? The problem with benchmarks

Fixed income benchmarks can help evaluate active fund managers with conventional investment objectives. But unconstrained managers march to different drummers; for these managers, benchmarks can be more of a hindrance than a help

M&G: How Europe works

Rules of the game for Eurozone countries is clear: ‘stick by the fiscal rules…or face the market’.

Poll

Is it all still Pete Tong at the FOS in 2018?Please take our 2018 survey.

Sainsbury’s planned merger with Asda: who is in the money?

James Balfour considers the implications of a tie-up between Sainsbury’s and Asda on the grocery retailing sector.

Prudential: A matter of life and death

The Office of Tax Simplifications is very busy these days. Graeme Robb, Senior Technical Manager looks at its recent Business Lifecycle Report and why it has concerns about Entrepreneurs’ Relief.

Mortgage Brain shares vision and strategy with UK Lenders

Leading Mortgage technology expert, Mortgage Brain, revealed its vision and technology strategy for the next generation at three exclusive events held last week.

NS&I 2017-18 Annual Results

NS&I delivered £9.8 billion of Net Financing and £229 million of Value Indicator savings to the taxpayer in 2017-18.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 944: It’s worth the effort to be social
19 Jun 2018

It’s worth the effort to be social

Social media is just another marketing tactic that allows a business to communicate with its existing clients and new potential customers.

It is not some panacea for all ills and it certainly is not a dark art only understood by experts.

20/06/18
Key Partnerships: Equity Release Case Studies Webinar

21/06/18
M&G Global Listed Infrastructure Fund Webcast – Thursday 21 June

26/06/18
FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Southampton

Prudential: The trials and tribulations of parenthood – aka the High Income Child Benefit Charge

A recent tax tribunal decision and general day to day parenting combined in my mind to once again highlight the potential pitfalls of receiving child benefits, and ways that impacts of losing this can be mitigated.

Legg Mason: Global recovery: rough waters ahead?

Optimism for a synchronized global recovery has given way to anxiety over potential EM or European crises. While our viewpoint remains optimistic, taking into account the vagaries of downside risks is crucial.

Poll

Is it all still Pete Tong at the FOS in 2018?

Please take our 2018 survey.

Invesco Perpetual: Webcall replay: What is our outlook for bond markets?

Watch the replay to hear Lewis Aubrey-Johnson, Head of Fixed Income Products, discuss the current conditions in credit markets and the team's expectations the continued resilience of the US economy.

Watch the video

M&G: Emerging markets: “Taper tantrum” déjà vu?

In this month’s update Ritu Vohora, Investment Director, explores the impact of rising US yields and a resurgent dollar on emerging markets. Is this a déjà vu of 2013’s ‘Taper Tantrum’?

Aviva Investors: Emerging market debt: a passing storm?

With volatility returning to the emerging market debt arena in recent weeks, Aaron Grehan discusses what it means for investors.

M&G Webcast: A conversation with Alex Araujo

Join this month’s webcast with Alex Araujo, fund manager of M&G’s Global Listed Infrastructure Fund. During the webcast, he will discuss the current environment for listed infrastructure and the impact of rising interest rates as well as the current positioning of the fund.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 943: Is it all still 'Pete Tong' at the FOS in 2018?
15 Jun 2018

Is it all still 'Pete Tong' at the FOS in 2018?

Since 2011 Panacea Adviser has conducted research via a simple survey to gauge what advisers think about service levels and standards delivered by the FOS, in particular looking at their processes and the fairness of the system.

Two years have passed since the last one, and we want to know, will 2018 see any improvement?

Read more about what has been said previously and take part, your input is vital and as always greatly appreciated.

20/06/18
Key Partnerships: Equity Release Case Studies Webinar

21/06/18
M&G Global Listed Infrastructure Fund Webcast

26/06/18
Paul Kennedy's taxes every which way tour 2018 - Southampton

Aviva Investors: Real estate supply: the forgotten part of the equation

Supply-side factors are often underestimated by real estate investors with demand drivers receiving more attention, says Monika Sujkowksa.

FECIF: Inducement regulations change the EU environment

The commission and inducements regimes across Europe have changed the investment sector dramatically since MiFID II “went live” in January and the soon to commence Insurance Distribution Directive will have a similar impact on the insurance sector.

Prudential: And so it begins…

Following Philip Hammond’s letter to the Office of Tax Simplification (OTS) asking for a review of Inheritance Tax, a consultation has been issued to gather information and to look into opportunities to simplify it. Graeme Robb, Senior Technical Manager at Prudential looks into it further.

PFS issue new pension transfer good practice guide

The Personal Finance Society have issued an updated ‘good practice guide’ covering transfers from defined benefit to defined contribution pension schemes.

Aviva: How equity release could help all kinds of clients

Did you know that a rapidly growing number of over 55s are using equity release to help with their later life planning? And as a financial adviser, you’re ideally placed to help them.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 942: The most effective sales programme of all
12 Jun 2018

The most effective sales programme of all

I recently met up for coffee with a friend who runs a business networking group.

At one point our conversation drifted on to some of her members and what business they were in. She was telling me about one particular member who had a business teaching people how to sell.

13/06/18
FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Horsham

13/06/18
BlackRock: Regional Investment Conference 2018 - Birmingham

13/06/18
M&G Value Conference

Royal London: State of the Protection Nation 2018

Our second State of the Protection Nation report is now available to download.

NS&I: June 2018 Premium Bonds prizes

A man from Hereford and Worcester, and a woman from Essex are celebrating the first official day of Summer as they have scooped the £1 million jackpot prizes in June’s Premium Bonds draw.

M&G: Episode Blog Quick-take: Italian Markets

Why has the recent market response to Italian politics been so much greater than that to instability in Germany and Spain?

Invesco Perpetual: Currency idea: Japanese yen vs Swiss franc

Currency ideas play an important part in our multi asset portfolios, acting as a source of both return and diversification.

Bento 941: Financial services is not just a matter of life and death
8 Jun 2018

Financial services is not just a matter of life and death

Some more wise words to reflect upon from Bill Shankly. "The trouble with referees is that they know the rules, but they do not know the game." In the financial services industry, I think the same rationale applies. "The trouble with regulators is that they know the rules, but they do not know the industry they regulate”.

Discuss

12/06/18
FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Maidstone

12/06/18
BlackRock: Weathering Volatility through Alternatives

13/06/18
FundsNetwork - Paul Kennedy's taxes every which way tour 2018 - Horsham

Aviva Investors: Trump and Kim: an unlikely bromance?

An improvement in relations between the US and North Korea is good news for investors, writes Ed Wiltshire.

Investec Wealth & Investment: Mamma Mia! Here We Go Again

Welcome to this week's edition of Weekly Digest; a topical in-house review of world stock markets and the global economy.

M&G: Never a dull moment – trying to make sense of last week

Political turmoil in Italy and Spain, escalating trade tensions and, for good measure, unexpectedly strong US employment data – to say that markets had a turbulent few days would be an understatement. Taking a step back, here are the 3 lessons we took away from last week.

NS&I: Latest Advocacy Survey Results

A recent NS&I survey has revealed that our advocacy score amongst financial advisers is now up to 8.5 out of 10 in response to the question “How likely are you to recommend NS&I to your clients?”

Majoring on the Macro – M&G & Prudential

Prudential recently ran a series of seminars across the UK, alongside M&G that proved really popular.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 940: Income to drive real estate returns as yield cycle nears end
5 Jun 2018

Income to drive real estate returns as yield cycle nears end

The prospect of robust global economic growth in the coming years should prove positive for occupier demand, but could present fresh challenges to real estate investors as interest rates rise around the globe.

08/06/18
BlackRock: Regional Investment Conference 2018 - Bristol

12/06/18
FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Maidstone

12/06/18
BlackRock: Weathering Volatility through Alternatives

Key Partnerships: Equity Release Case Studies Webinar

Rathbones: An Italian Tempest

The Italian political crisis turned out to be a storm in an espresso cup.

Invesco Perpetual: Investing in emerging markets: a political play

Watch two of our most experienced emerging markets investors discuss their outlook for equities and debt and where the risks and opportunities lie.

Royal London: Investment Viewpoint: May 2018

Niall Aitken, Investment Actuary, explains how we manage risk in our Governed Retirement Income Portfolios (GRIPs).

*Community facts provided by Equifax Touchstone. Q3 2017

contact@panaceaadviser.com manage my preferences unsubscribe

Bento 939: How do you feel about social media?
1 Jun 2018

How do you feel about social media?

Latest consumer research has highlighted that 81% of shoppers conduct online research before they make a purchase. 60% begin by using a search engine to find the products or service they want, and 61% will read product reviews before making any purchase or engaging any professional service.

05/06/18
FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Glasgow

05/06/18
BlackRock: A port in a storm: how to navigate new waters in Fixed Income

06/06/18
FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Cumbria

Royal London: Retirement planning for future generations

We look at how your clients can start saving for their children and grandchildren’s retirement.

M&G: “Unelected Power”: an interview with Paul Tucker

Have central banks become “overmighty citizens”, with too much power and insufficient democratic input? If so, does it matter and what can we do about it?

BlackRock: Alpha Opportunities in Fixed Income

Markets have been volatile since the start of 2018, bringing greater focus onto the asset mix in client portfolios. Ahmed Talhaoui, CFA, Co-Head of Product Strategy for BlackRock’s Global Fixed Income Group discusses alpha opportunities in the fixed income market.

Aviva Investors: The future of retail parks – rising to the online challenge

Technological developments are driving change in the UK retail sector, a trend with significant implications for retail park investors, says Jonathan Bayfield.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 938: The ultimate guide to high-trust, high profit relationships and a thriving practice
30 May 2018

The Client-centred Financial Adviser – The ultimate guide to high-trust, high profit relationships and a thriving practice

In a world where traditional advisory services will be increasingly eroded by digital disruption, downward pressure on earnings and the demand for ever greater transparency, how do you continue to be the number one choice for your ideal clients?

06/06/18
BlackRock: Investment Conference - London

08/06/18
BlackRock: Regional Investment Conference 2018 - Bristol

12/06/18
Paul Kennedy's taxes every which way tour 2018 - Maidstone

M&G: Active versus passive

A key feature of the current equity bull market has been the inexorable rise of passive strategies at the expense of active managers.

Invesco Perpetual: Mark Barnett: Business as usual?

A key feature of the current equity bull market has been the inexorable rise of passive strategies at the expense of active managers.

“Alexa, open UKMortgages…”

Everyone likes a bit of magic – and now consumers who own an Amazon Echo smart speaker device can ask Alexa, Amazon’s friendly virtual assistant to ‘open UKMortgages’ - and they can search for a mortgage or a local adviser.

Royal London: Multi asset investing and the Governed Range

Quarterly update from Head of Multi Asset at Royal London Asset Management (RLAM), Trevor Greetham.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 937: Will GDPR destroy businesses?
25 May 2018

Will GDPR destroy businesses?

The date is upon us.

GDPR was a cunning plan thought up by the EU. Europe’s data protection laws have long been regarded as a gold standard all over the world. But over the last 25 years, technology has transformed our lives in ways nobody could have imagined so a review of the rules was needed.

08/06/18
BlackRock Investment Conference Bristol

12/06/18
Paul Kennedy's taxes every which way tour 2018 - Maidstone

12/06/18
BlackRock: Weathering Volatility through Alternatives

BlackRock: Building Portfolios for Uncertain Times

Markets have been volatile since the start of 2018, bringing greater focus onto the asset mix in client portfolios. Michael Gruener, Head of BlackRock EMEA Retail, discusses what clients have been telling him and what BlackRock can do to help.

Prudential: Death is not the end

If you’re an adviser with clients in the Public Sector you will be painfully aware that the rules of public service pensions schemes are enormously complex. Moira Warner, Technical Manager at Prudential, explores.

Key Partnerships: Debt in Retirement Pt. 2

Provide a solution to help your clients with outstanding unsecured debt... Debt is a challenging issue for those of us nearing and entering retirement and this subject is something that many clients find difficult to discuss.

Thoughts about bonds

A bond is normally a single premium whole of life contract which offers many features and benefits. In Helen O’Hagan, Technical Manager at Prudential’s opinion, here’s some of the salient features of bonds.

Royal London: Protection Webinar – Discover tools to make selling protection easier

Please join us from 2-3pm on Thursday 31 May for a free webinar.
Does everyone need protection? Many want to protect their lifestyles and loved ones, but advisers still have to overcome barriers to close the sale.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 936: The butterfly effect in global markets
23 May 2018

The butterfly effect in global markets

In today’s connected world, portfolios need to be constructed so they can respond quickly to changing conditions and market opportunities.

05/06/18
FundsNetwork:Paul Kennedy's taxes every which way tour 2018 - Glasgow

06/06/18
FundsNetwork: Paul Kennedy's taxes every which way tour 2018 - Cumbria

06/06/18
BlackRock Investment Conference London