Bento Bulletin

A case of the 'vapers' for underwriters

Vaping, genetic testing and wearable tech are the lifestyle changes that will have the biggest impact on underwriting protection insurance in the future, according to a recent UnderwriteMe Underwriters Forum survey.

L&G: Consumers still confused about pension freedoms

Three years down the line and there’s still considerable confusion among retirees about their options at retirement. And it’s costing them dearly.

Royal London: Income Protection when it matters most

Protecting against injury or illness should be right at the top of a client’s list when it comes to protection.

Dynamic Planner Strikes Deal With threesixty

The collaboration will allow threesixty clients who adopt Dynamic Planner to seamlessly access the threesixty approved suitability letters.

Baillie Gifford: Refreshingly Predictable

While multi-asset managers look to incorporate ever-more complex asset classes in their portfolios, the Baillie Gifford Managed fund sticks to a straightforward approach.

Aviva Investors: Currencies: The phoney War?

With US President Donald Trump accusing China of manipulating its exchange rate to gain the upper hand on trade, we consider the likelihood of an all-out currency war between the rival superpowers.

Legg Mason: Drug Stocks: Starved for Capital

Fears that drug pricing will collapse have pushed many investors away from this sector, yet we see drug spending becoming less, not more, of an issue going forward: given current valuation levels, the potential for stronger returns is very real.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 890: Webcast - Adviser Business Accelerator: Helping you to win more protection clients. Faster.
12 Dec 2018

Webcast - Adviser Business Accelerator: Helping you to win more protection clients. Faster.

86% of advisers say they want more protection clients (source: Cicero). But the barrier to acquiring new clients is not lack of product knowledge or failure to identify the opportunity - it’s limited time and resource. Find out how we can help you to win more protection clients. Faster.

Prudential: A birthday to celebrate

Prudential’s PruFund Growth in pensions is about to have its 10th birthday.

L&G: Think you know about annuity underwriting?

Our latest article on How to get the best annuity rate for your client explains that annuity providers never judge or pass comment. In fact, the more the provider knows about their lifestyle, the more likely the consumer is to get the best rate for their circumstances.

Invesco: High Yield – a stock picker’s market

After the strong returns of 2016 and 2017, this year has so far been a more testing time for the high yield bond market. What has been happening and what does this mean for investors in the asset class?

FundsNetwork's State Pension guide

It examines the differences between the old and new State Pensions and the options open to clients should they wish to boost their entitlement or defer their income.

Panacea Top Tweeter Shortlist 2018

Please get voting now for your favourite tweeter and tell your colleagues too!

Legg Mason: ESG: Conservation Can Create Capital

Water conservation and stewardship initiatives are helping companies from manufacturing to consumer goods to gain competitive advantages and manage future risks.

M&G: Nowhere to hide – a testing year for investors

In this month’s video, Investment Director, Ritu Vohora reflects on the return of volatility in 2018 and what it means for equities as we look ahead to the new year.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 989: Clients value annuities more than you may think
10 Dec 2018

Challenging perceptions on annuities

We know annuities have suffered from a poor perception of value over the past few years, and yet some consumers who are familiar with annuities, consider them to be good value, when asked what they’d consider a good annual rate of return..

Our recent research of more than 2,000 over-55's showed that nearly three quarters don’t like taking risks with their money, and over half said financial security was the most important thing to them at this stage in their life.

Why is this?

Legg Mason: Brandywine - Waging War on the Fed

It was inevitable that President Donald Trump would comment on U.S. monetary policy.

The President has shown little regard for precedent or institutional norms if he sees them as obstructions on the path to realizing a goal. The Trump administration wants to fire things up: animal spirits, productivity, and economic growth.

Aviva Investors: Europe after Brexit

As the Brexit deadline looms, the impending rupture between the UK and Europe threatens to become the defining political issue of a generation.

Find out how the new model portfolios work on the Aviva Platform

Want to learn more about how and when to use model portfolios? In Aviva’s latest video, Gemma Savage, Platform Adoption Consultant, explains how they work.

Defaqto: KIIDs and fund documents included in Engage Core

Defaqto has added Key Investor Information Documents (KIIDs) and fund factsheets to Engage Core, our award-winning end-to-end financial planning software, to further the offering we provide.

Prudential: Environmental Social & Governance (ESG) and PruFunds

A question that is often asked is whether PruFunds have an ethical stance or indeed are they ethical portfolios? Adrian Gaspar, Product Specialist at Prudential Portfolio Management Group explains more.

Royal London: The state will provide, won’t it?

“I don’t need it” is probably a common objection you hear when talking to your clients about income protection.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 988: Panacea Top Tweeter Shortlist 2018
6 Dec 2018

Panacea Top Tweeter Shortlist 2018

The nominations are in and we have shortlisted the top five for each category. See who made the cut and get voting now for your favourite tweeter. Don’t forget to tell your colleagues to get involved too!

Attention financial planners!

Creating deep client engagement (without the fear of making mistakes or losing clients!) The new 6 session webinar-based programme begins on 10th January 2019.

News from RSMR

2018 RSMR Investment Conference & R Awards
and the winners are...

We are excited to share with you the Winners of our 5th Annual R Awards.

SRI Services & Fund EcoMarket newsletter

Our hope is that Fund EcoMarket is playing a not insignificant role in encouraging interest in this area by improving intermediaries access to information.

FundsNetwork’s technical matters: pensions and divorce

The pension fund can be a substantial financial investment in divorce settlements, although its ultimate value at retirement is unlikely to be known at the point of divorce.

M&G: Investment themes you can’t ignore

In the eighth in a series of videos looking at the change of investor behaviour over the years and how asset managers have responded, Global Head of Distribution, Jonathan (Joffy) Willcocks revisits previous episodes and looks at some of the themes that will still be relevant to you and your clients in 2019.

Webcast - Adviser Business Accelerator: Helping you to win more protection clients. Fast

Royal London: New online service features to support you

We’re committed to making it even easier to do business with us. That’s why we’ve introduced some new features to our online service.

Legg Mason: EM Debt: High Conviction Strategy

Despite the market spillover from developed market rate volatility, Western Asset does not view the recent market rout as sufficient basis to steer away from Emerging Market debt (EMD)

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 987: I'm not impaired, I'm quirky!
3 Dec 2018

I'm not impaired, I'm quirky!

Kathryn Knowles talks about hypermobility syndrome & fairer practices for people with health conditions

“In the distance I hear a ringing. As I start to wake, I feel like someone has ripped my spine out and played it like a xylophone all night…”

Invesco: Investment Intelligence Seminars 2018 - Round 3 A wall of wories Doncaster

05/12/18
Invesco: Investment IntelligenceSeminars 2018 - Round 3 A wall of worries, Truro

05/12/18

06/12/18
BlackRock: Investment Intelligence Seminars 2018 - Round 3 A wall of worries, Exeter Am

Brexit? Why we see opportunity in UK smaller companies

Find out more how UK smaller companies have an excellent long-term track record in this environment of political uncertainty that Brexit has driven. Portfolio managers, Jonathon Brown and Robin West discuss how UK smaller companies have outperformed their large-cap counterparts, numerous international rivals and non-equity investments over the past decade.

Defaqto: How to help clients choose the right income fund for retirement

Patrick Norwood discusses how advisers can help clients choose the right income fund for retirement.

Aviva Investors: Building trust and delivering value

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M&G: Finding opportunity in uncertainty

In this short update, Tristan Hanson, fund manager of the M&G Global Target Return Fund, discusses the aim of the Fund, as well as the recent market environment and his outlook going forward into 2019.

Seneca: Are you in Denial

I occasionally like to ask people if they are in denial (about something or other). If they say ‘no’, I smile. Then, when they see the irony, they smile too. It is possible they are not, but how would they know?

Dynamic Planner: Why recommend Risk Target Managed investments for clients?

Demand for Risk Target Managed (RTM) solutions was driven originally by the then FSA’s ‘Assessing Suitability’ paper published in March 2011. This set a key expectation that when your clients are risk profiled, the investment recommendation is profiled on a consistent basis, both at the time of initial advice and as part of your ongoing service.

FundsNetwork: Retirement technical videos

Whether you are preparing for the CII pension exam or simply need a refresher, FundsNetwork's library of retirement technical videos can help.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 986: Webcast - Adviser Business Accelerator: Helping you to win more protection clients. Fast
29 Nov 2018

Webcast - Adviser Business Accelerator: Helping you to win more protection clients. Fast

03/12/18
Investment Intetlligence Seminars 2018 - Round 3 A wall of worries, Edinburgh

03/12/18
Investment Intelligence Seminars 2018 - Round 3 A wall of worries, Exeter PM

04/12/18
Investment Intelligence Seminars 2018 - Round 3 A wall of worries, Plymouth

Latest Factsheets from Seneca Investment Managers

Please find the latest fund factsheets for the LF Seneca Diversified Income Fund and LF Seneca Diversified Growth Fund. We hope you find them useful.

FundsNetwork: helping you with your due diligence

FundsNetwork's due diligence guide covers the reasons why you can recommend their ISA and Investment Account to your clients.

Defaqto: The evolution of DFM due diligence

Fraser Donaldson looks back at the evolution of the selection process for advisers for discretionary fund management proposition.

Dynamic Planner: Definition of Risk Must be the Same from Investor to Investment, no Matter What Your Tool

The fundamental definition of risk being lost in translation in the investment process remains very real following this month’s Money Marketing survey results.

Dynamic Planner: Definition of Risk Must be the Same from Investor to Investment, no Matter What Your Tool

The fundamental definition of risk being lost in translation in the investment process remains very real following this month’s Money Marketing survey results.

Webcast - Adviser Business Accelerator: Helping you to win more protection clients. Fast

Rathbones: Safe harbours

Equities took another battering last week, with oil and technology stocks hit hardest.The S&P 500 was off 3.8% in dollar terms, while Chinese stocks were down roughly the same amount in renminbi.

Royal London: We make it easy to do business

Thank you to all advisers who voted to give us a five star service rating in this year’s Financial Adviser Service Awards. Our fifth year in a row!

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 985: Great people skills - in an instant
27 Nov 2018

Great people skills – in an instant!

Well over 20 years ago, back when I was an adviser, I had a brilliant yet unintended lesson from a far more experienced adviser.

A client of mine had a rather large pension pot (he was a successful futures trader back in the days when there was a real trading pit) and wanted some advice on what he could to do with it...

Invesco: Investment Intelligence Seminars 2018 - Luton

28/11/18

29/11/18
Invesco: Investment Intelligence Seminars 2018 - Chatham

29/11/18

Invesco: Investment Intelligence Seminars 2018 - Maidstone

Only a few days left to nominate... Who are the most influential financial service tweeters in the UK?

You have until 1pm on Friday 30th November 2018 to nominate, before Panacea shortlists the top five from each category and posts them on the site for you to make your vote!

Invesco: Japan’s core strength and stability

Paul Chesson, Head of Japanese Equities focuses on the outlook for Japan’s economy. Corporate Japan looks set to follow up a very strong year to March 2018, with another fiscal year of higher profits.

Defaqto: Protection service review 2018

With many providers offering similar products, service is now often one of the key differentiators for advisers when researching and selecting a product.

Guardian - Best New Product 2018

We recently won Best New Product at the Cover Excellence Awards 2018. We’re delighted to win this so early into our journey as it reinforces our belief that the market is ready for a provider to do things differently.

Dynamic Planner puts Institutional Level Asset Analysis at Fingertips of Advice Firms

Dynamic Planner, the UK's preferred digital risk profiling and asset allocation investment service, has extended access to a level of precision and detail across 49 asset classes that has until now only been used by Dynamic Planner's Asset and Risk Modelling team (ARM).

Aviva Investors: Ethics and Alpha

The latest issue of AIQ explores the most critical themes in the world of responsible investment.

Wizard Learning: Nov news: J11 Wrap and platform services, R06 and AF5

This update covers: 1. New online Multimedia Course for J11 Wrap and platform services 2. Expected solutions for R06 and AF5

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 984: Have you seen Prudential's Life Events hub
23 Nov 2018

Have you seen Prudential’s Life Events hub

Recognising that it’s important you’re there for your clients at key milestones they reach and challenges they face, check out Prudential’s Life Events hub.

Royal London: New sales aids for millennials on our marketing studio

No mortgage, no family, no savings …. No problem

FundsNetwork's State Pension guide

It examines the differences between the old and new State Pensions and the options open to clients should they wish to boost their entitlement or defer their income.

Plain English Finance: Sell the hare, buy the tortoise?

When I first started fielding enquiries from folk who wanted me to invest for them back in 2012, the notion of having our own fund seemed too wild and fundamentally impossible an idea for us to actually achieve – for many years at least.

Dynamic Planner partners with Panacea to help inform community

Dynamic Planner has teamed up with Panacea Adviser to help keep sector professionals informed with key industry insight and developments.

It's that time again... Who are the most influential financial service tweeters in the UK?

You have until 1pm on Friday 30th November 2018 to nominate, before Panacea shortlists the top five from each category and posts them on the site for you to make your vote!

Join Royal London for an investment webinar on Thursday 6 December

Please join Royal London from 3.00pm - 3.45pm on Thursday, 6 December 2018 for a quarterly update from Head of Multi Asset at Royal London Asset Management (RLAM), Trevor Greetham.

Aviva Investors: Rising bond yields need not spell disaster for real assets

Investors will favour real asset classes offering growth potential in an environment of increasing bond yields, argues real asset analyst Vivienne Bolla.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 983: Unlock the Value of Big Data
20 Nov 2018

BlackRock - Unlock the Value of Big Data

The pace of change in the world today is accelerating. The way people interact, transact, work and consume is unrecognisable from even a decade ago...

Find out more

Who are the most influential financial service tweeters in the UK?

These awards have been set up to celebrate & demonstrate excellent examples of Tweeters that post regular, useful and informative tweets Make your nomination today for your favourite Tweeters.

Guardian: Life protection your clients’ can grow into

Most life cover policies are pretty basic. But at Guardian we want to make sure our customers’ cover keeps pace with their lives. So, we give you more ways to adapt your clients’ policies to their changing needs.

Invesco Global Factor Investing Study 2018

This study draws on insights from 300 face-to-face interviews with institutional and retail factor investors from across Europe, North America and Asia Pacific.

Octopus: Why more advisers are turning to VCTs 2nd version

The number of advisers recommending venture capital trusts (VCTs) is on the rise. And there’s a very simple reason. Recent changes to legislation mean more clients are facing the kind of planning problems that VCTs can help solve.

Aviva Investors: Sustainable investment needs a helping hand from regulators

Steve Waygood explains how insurers, policymakers and regulators can work together to manage the risks associated with climate change and encourage sustainable investment.

UnderwriteMe: Becoming an e-Protection adviser

The 2014 Fidelity Advisor Insights study (updated in 2016 ) suggested that advisers who embraced technology were significantly more successful than their more traditional competitors...

Defaqto: Service surveys: prize draw winner announced!

During the summer, we ran our annual Defaqto surveys looking at the service advisers receive from their DFMs, investment bond, pension, platform and protection providers.

*Community facts provided by Equifax Touchstone. Q3 2017

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Bento 982: Physical Fitness in Retirement and Later Life
14 Nov 2018

Physical Fitness in Retirement and Later Life

When dealing with clients approaching retirement should we be trying to prepare them Physically and Emotionally as well as Financially. Certainly if we want our clients to enjoy later life there are important issues they need to incorporate in their plans.

Intelliflo integration webinar

In this webinar, Roger Perry, Head of Intermediary Sales at Defaqto, will demonstrate the two-way integration between Intelligent Office and Engage Core that allows you to automatically share the latest client details, plans and valuations between iO and Engage.

Prudential: Market Insights – September 2018

Phil Butler, Multi Asset Portfolio Manager for PPMG, discusses the exposure of Eurozone banks, the development of the US stance on trade, the surprise rise of UK inflation in July and if there have been any recent changes in the portfolio.

25/10/18
2018 Rathbones Adviser, Roundtable seminars, Aberdeen

26/01/18
Invesco Perpetual, Investment Intelligence Seminars 2018, Leicester

27/01/18
BlackRock: Investment Intelligence Seminars 2018, Leicester