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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Bento 960: Fos treating IFAs as 'guilty until proven innocent'
16 Aug 2018

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Did you believe the FOS help complainants create a complaint where none existed?

This was just one of 15 questions in our current FOS survey. We had 212 respondents. As with all our surveys, it is the comments that make for such interesting reading. Many thanks to all of you who completed the survey and for the hundreds of really inciteful comments that really put some flesh on the answer bones.

 
 
   
 
 
 
 
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Market sentiment turned risk-off last week, largely due to the new US sanctions on Russia, which destabilised the ruble, and with the worsening of the situation in Turkey, which sank the lira and hit European lenders to the country. 
 
 
   
 
 
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The UK infrastructure industry needs to face up to its failings and act in the best interests of all stakeholders.
 
 
   
 
 
 
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The managers of Baillie Gifford’s European Fund discuss the companies they call Hidden Champions – exciting, innovative businesses that have potential to grow substantially over the long term, and yet are often overlooked and undervalued. 
 
 
 
 
 
 
 
 
Almost one million people are off work for four weeks or more each year in Britain due to illness or injury. 
 
 
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Every now and then financial markets lay a beating on a nation with a severity that seems completely unjustified. 
 
 
 
 
 
 
 
 
The roll-up of interest is a common concern for some clients taking a lifetime mortgage, especially if they are looking to leave an inheritance for their loved ones.  There may be a solution!
 
 
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Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 959: No pressure selling and influence part 2
13 Aug 2018

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Being a powerful influencer is a vital aspect of your role with clients and yet it is something that advisers can be uncomfortable with.

In part 1 of this article we looked at the first of 3 common symptoms of feeling under pressure and what is really behind clients having a great experience of you.

 
 
   
 
 
 
 
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Asia faces near-term challenges, but is well positioned given solid fundamentals. The near-term outlook for Asia has become less clear as earnings momentum fades. 
 
 
   
 
 
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Do you want to keep your marketing communications simple? All you need to do is STAY ACTIVE!
 
 
   
 
 
 
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Take yourself back to 2003. Arsenal won the Premier League undefeated with ‘The Invincibles’, Westlife topped the charts and Tony Blair was Prime Minister. 
 
 
 
 
 
 
 
 
From Russian hackers interfering in foreign elections to high-profile corporate breaches, people are waking up to some harsh realities around data.
 
 
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With many commentators speculating about the return of volatility, and getting back to more “normal” conditions for investment markets, how do we achieve that all important downside protection when dealing with estate planning?
 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 958: No pressure selling and influence Part 1
9 Aug 2018

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Being an effective influencer and confidently selling your services are essential skills if you want to build a thriving practice based upon getting great results for your clients.

And yet it seems that many advisers feel uncomfortable and lack confidence in this area.

For instance, they may feel under pressure, fear rejection or have negative thoughts and feelings about selling and asking people to act.

 
 
   
 
 
 
 
 
 
 
We have also created these information pages for those sitting or planning to take their AF advanced diploma exams.
 
 
 
 
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Since its invention in 1907 by Belgium’s Leo Hendrik Baekeland, plastic has moulded our everyday lives. More than a century later, plastic fragments in our oceans have created one of the most serious environmental challenges facing the world today.
 
 
 
 
 
 
 
 
With UK retail parks facing an increasingly perilous future, turning the sites into vibrant residential-led developments offers land owners an opportunity to bolster investment returns.
 
 
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Commenting on the ONS’s Wealth and Assets Survey which found that 48% of people aged 16 to 24 said that they would not be able to make ends meet for longer than one month if they lost the main source of income coming into their household. 
 
 
 
 
 
 
 
 
Well, we thought it would never happen: the Bank of England (BoE) actually went through with a 25-basis-point interest rate hike last Thursday.
 
 
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The Baillie Gifford Corporate Bond Fund is changing its name to the Baillie Gifford Strategic Bond Fund. This is our Marathon to Snickers moment, the name is changing but the investment philosophy remains the same. 
 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento: Altruistic, community driven support
7 Aug 2018

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You may be a little puzzled as to why I am mailing you, especially in the post GDPR world? The following may help explain a little more, in particular about what we do, why and with who as well as ensuring that we remain compliant under the ‘legitimate interest’ aspects of GDPR.
 
 
   
 
 
 
 
Invesco Perpetual: Your invitation: Investment Intelligence Seminars 2018 Round 3
 
   
 
 
 
You can now sign up for the final round of Invesco Perpetual's 2018 Investment Intelligence Seminars. Make sure you reserve your space at one of the 70+ events!
 
 
   
 
 
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When I turned 18 I expected the months that followed to be filled with the stress of exams, what was I going to do after high school, and of course, most importantly for any 18 year old, enjoying reaching the legal drinking age.
 
 
   
 
 
 
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Vestibulum ante ipsum primis in faubibus orci luctus et ultrices prosuere bsuilkib curae. praesent ac eifitc nunc, nsoufu cyriuses soliesl diam isd bofff
 
 
 
 
 
 
 
 
Working on your behalf, we aim to build a better future for society, the companies we invest in and the planet. 
 
 
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Artificial intelligence (AI) is infiltrating every area of modern life, from voice recognition devices like Alexa to driverless cars. And financial technology is not immune from the relentless march of AI either. 
 
 
 
 
 
 
 
 
Debt in retirement and the lack of options retirees face when downsizing have all featured in the news in July.  If you have clients concerned about their retirement finances or clients who are struggling to downsize, equity release could be a solution for them.
 
 
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Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 957: Bashing the trade associations: Where have we gone wrong?
7 Aug 2018

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As a profession, we love our surveys.  Product providers, networks, the media and even your trade associations are regularly asking you what you think of the world in which you operate in.

The responses are then poured over, scrutinized, rehashed and presented in whatever form best suits those that carried out the survey.

 
 
   
 
 
 
 
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Environmental, Social and Governance (ESG) factors have emerged as a dominant framework of assessing the long-term sustainability of an organisation.
 
 
   
 
 
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Read the latest performance update from our Governed Range
 
 
   
 
 
 
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Artificial intelligence (AI) is infiltrating every area of modern life, from voice recognition devices like Alexa to driverless cars. And financial technology is not immune from the relentless march of AI either. 
 
 
 
 
 
 
 
 
Working on your behalf, we aim to build a better future for society, the companies we invest in and the planet. 
 
 
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Income seeking investors have faced headwinds in the aftermath of the global financial crisis. But with demand for income rising, investors may need to cast their nets wider than some of the more traditional income routes. 
 
 
 
 
 
 
 
 
Baillie Gifford Investment manager Ewan Markson-Brown recently visited Jakarta, where he found a changing political and technological landscape which could see Indonesia emerge as one of the most exciting growth stories globally in the next few years. 
 
 
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Despite strong earnings growth and reasonable valuations, equity markets continue to be buffeted by swings in sentiment from an escalating trade war. In this month’s equity market perspective, Investment Director, Ritu Vohora looks at the tug-of war between the bulls and the bears.
 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 956: Your Social media marketing plan
3 Aug 2018

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Last time I discussed why it’s worth the effort to be social and the need to treat social media as just part of your marketing effort. Every business that wants to maximise its marketing efforts and spend has a marketing plan, so why not have a social media plan?

 
 
   
 
 
 
 
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You can now sign up for the final round of Invesco Perpetual's 2018 Investment Intelligence Seminars. Make sure you reserve your space at one of the 70+ events!
 
 
   
 
 
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The European economy continues to grow above trend rates, but investors should be wary of rising bond yields and rapid development in some markets, says Vivienne Bolla.
 
 
   
 
 
 
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Your client has an annual allowance excess which means they’ve a tax charge to pay. You’ve heard a pension scheme will pay this charge from a members benefits using ‘Scheme Pays’. 
 
 
 
 
 
 
 
 
When I turned 18 I expected the months that followed to be filled with the stress of exams, what was I going to do after high school, and of course, most importantly for any 18 year old, enjoying reaching the legal drinking age.
 
 
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In the seventh in a series of videos looking at the change in investor behaviour over the years and how asset managers have responded, Global Head of Distribution, Jonathan (Joffy) Willcocks looks at the power of compounding and dividend growth; an income generator craved by many investors.
 
 
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Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 955: Just a few days left to give us your thoughts on the FOS...
1 Aug 2018

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In 2016

  • 71% of advisers felt FOS adjudications are unfair?
  • 69% of advisers felt adjudicators help create complaints where no complaint existed?
  • 85% of advisers felt FOS rules place an adviser or firm in a 'guilty until proven innocent’ position from outset?
How do you feel in 2018? Take our anonymous survey that will take no more than 5 minutes of your time. 
 
 
   
 
 
 
 
 
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Is it all still Pete Tong at the FOS?
 
 
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Changes of governments in Italy and Spain have prompted warnings of fresh political turbulence in Europe. 
 
 
   
 
 
 
 
 
 
 
As a sci-fi geek and former Physics student, the concept of time travel often intrigues Mark Devlin, Senior Technical Manager at Prudential . 
 
 
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Remember last year when most financial commentary was saying that market volatility was too low? Read the latest market perspetives from M&G’s Multi Asset Team.
 
 
 
 
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SRI Services are delighted to announce their ‘Sustainability and Suitability’ conference for financial services intermediaries, to be held in London on 3rd October.
 
 
 
 
 
 
 
 
On 28 June the FCA released the Retirement Outcomes Review (ROR) final report along with a consultation paper CP18/17, looking for feedback on the proposed changes.
 
 
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Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 955: Plenty of road ahead
30 Jul 2018

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Donald Trump promised to “make America great again” during his election campaign. His presidency has proved controversial and most recently trade hostilities have broken out after his administration pressed ahead with tariffs on steel and aluminium imports. Other countries have drawn up lists of US products targeted for retaliation.

 
 
   
 
 
 
 
 
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Is it all still Pete Tong at the FOS?
 
 
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Your client has an annual allowance excess which means they’ve a tax charge to pay. You’ve heard a pension scheme will pay this charge from a members benefits using ‘Scheme Pays’. 
 
 
   
 
 
 
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In preparation, we will be running a series of updates on the new legislation, focusing on how the Core Regime under the SM&CR will operate and providing some practical advice on how firms can go about implementing the SM&CR into their organisations.
 
 
 
 
 
 
 
 
The equity release market is continuing to break records, year on year, provide your clients with more retirement options.
 
 
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In this month’s letter, Peter writes about tactical asset allocation in the context of the current phase of the business cycle. He suggests that this is the most difficult phase for asset allocators, as equity underweights can appear to be a mistake in the lead up the end of the investment cycle.
 
 
 
 
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Over the past three years Illuminate live has set the standard for providing the very best speakers, giving you access to the most relevant, engaging and actionable content.
 
 
 
 
 
 
 
 
As a valuation-orientated investor, Martin Walker's investment style brings valuation at the point of purchase to the foreground, as he seeks to find compelling opportunities in areas of the market that other investors would shun.
 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 954: Managing Stress in the Workplace
25 Jul 2018

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Stress in the workplace is very common. And as the majority of people are not able to just switch off the minute they clock off, this stress can also have a huge impact on their health and home life.
 
 
   
 
 
 
 
 
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Is it all still Pete Tong at the FOS?
 
 
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A loan trust is a way of setting up a trust for Inheritance Tax (IHT) planning whilst allowing the settlor (the individual who sets up the test) access to the original capital. 
 
 
   
 
 
 
 
 
 
 
In this article Mark Barnett highlights the investment opportunities he sees within the UK’s alternative finance market.
 
 
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The Legg Mason team are getting ready for a 24 hour pingpongathon to raise money for this year’s nominated CASCAID charity.
 
 
 
 
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By being nimble and patient, by joining the dots to find left of field insights and by looking at the world through both a telescope and a microscope, we can find opportunities in corporate bond markets that others may miss.
 
 
 
 
 
 
 
 
An estimated five million people in the UK will have diabetes by 2025.* So chances are you’ll come across clients with this condition in the future.
 
 
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Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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Bento 953: Behavioural Finance
20 Jul 2018

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The subject of Behavioural Finance has become more widely discussed and researched over the last decade and is one that a lot of people find confusing. It takes into consideration the effects of psychological, social, cognitive and emotional factors on the financial decisions made by individuals and what the impact of this behaviour can have in different situations. In short, how people behave with money and finance in general and the possible reasons for their behaviour.

 
 
   
 
 
 
 
 
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Is it all still Pete Tong at the FOS?
 
 
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Guardian, the protection challenger operated by Gryphon Group Holdings is piloting its life and critical illness proposition with four of the UK’s top financial services distributor firms, L&C, Paradigm, Sesame Bankhall Group and SimplyBiz Group.
 
 
   
 
 
 
 
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At Royal London we want to pay as many claims as possible, but it’s impossible to say we’ll always pay 100% due to misrepresentation or clients not meeting our definitions.
 
 
   
 
 
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Baillie Gifford Investment manager Ewan Markson-Brown recently visited Jakarta, where he found a changing political and technological landscape
 
 
   
 
 
 
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In the summer months, Simon Conn, the UK’s leading overseas property professional and financial advisor, sees a spike in the number of enquiries from people planning to buy in another country. 
 
 
 
 
 
 
 
 
We see strong US growth extending positive spillover effects to the rest of the world, sustaining the global economic expansion. Yet the range of possibilities for the economic outlook has widened.
 
 
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Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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