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 879: Are you sitting too comfortably?
22 Nov 2017

In this issue: Investment commentary, investment webcast, partner offer and business development ideas.
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Running your own business can be the most invigorating roller-coaster you will ride and you experience the whole gamut of emotions. This exhilaration can be an energising experience as you grow and develop your business. 

The secret is to ensure you know when you’re in that comfort zone and have a plan to stretch yourself.

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Latest updates
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As a result of gradual reductions to the standard Lifetime Allowance over the last few years, more clients are now subject to a LTA exces.
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NS&I invited financial advice firms to respond to a tender to provide services to the winners of the two monthly Premium Bonds £1million jackpot prizes.
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In December, Investment Trust Fund Managers, Sue Noffke and Tony Smedley provide an update on their respective trusts.
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Partner news
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With MiFID II implementation approaching, FundsNetwork have received a wide range of questions from firms like yours.
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Hot off the press! Quick guide to Trusts sales aid which addresses the common misconceptions and issues faced by a trustee.
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The flattening of the US yield curve has inspired much commentary and hand-wringing in certain quarters lately.
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Events this week
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More info
Panacea poll
Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?.
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Wealth & money management awards
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Bento 878: Who are the most influential financial service tweeters in the UK?
20 Nov 2017

In this issue: Twitter Awards 2017, awards finalist, investment commentary, protection news & budget webcast.
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We launched our first annual ‘Top Tweeter’ awards in 2014 and every year they have proven popular so once again we are running a competition to see which financial services pros are at the top of their Twitter game as 2017 draws to a close.

In the last three years of running the awards we have received 340 nominations for the following categories:

  • Most prolific Adviser Tweeter
  • Most interesting Provider Tweeter
  • Most valuable Paraplanner Tweeter
  • Most useful intermediary Journalist Tweeter
  • Most insightful Support Service Tweeter
You don’t have to nominate each category and it only takes seconds of your time! So get involved today.

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Latest updates
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The Personal Finance Society have confirmed the finalists for their 2017 Personal Finance Awards, which this year have  expanded to 14 categories.
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For our parents’ generation, bonds were a reassuringly boring, “sleep-at-night” investment.
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Colm McDonagh from BNY Mellon boutique, Insight Investment, discusses the impact of political risk on emerging markets.
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Partner news
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Aviva are dedicated to helping you provide your clients with cover that protects them when they need it most.
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Aviva are dedicated to helping you provide your clients with cover that protects them when they need it most.
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Given the higher levels of risk and return associated with investing in emerging markets, governance and sustainability analysis is critical.
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Events this week
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More info
Panacea poll
Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?
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Wealth & money management awards
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Bento 877: Yeah, no worries, cool
17 Nov 2017

In this issue: Regulatory comment, pensions and retirement update, protection news and investment commentary
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Last month the FCA announced that it was working with the regulatory risk analytics firm, Corlytics, to develop an “intelligent regulatory handbook” for the FCA in what it says is a world first.

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Latest updates
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With the political risk spotlight swinging towards the Middle East and the price of oil nudging upwards...
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Royal London has developed an electronic signature solution to speed up the payment of claims.
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Framing questions to include lifestyle factors can make a real difference to a retiree’s guaranteed income for life.
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Partner news
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The Government announced their intention for the Money Purchase Annual Allowance to reduce, to £4,000 from 6 April 2017.
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The first increase in the bank Rate for 10 years has now occurred, reversing the 25bp reduction in August 2016  following the Brexit referendum.
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Since its accession to the WTO in December 2001 China has accounted for an increasing share of the global economy.
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Forthcoming events
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More info
Panacea poll
Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?
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Bento 876: Japanese Companies Are Already Delivering
14 Nov 2017

In this issue: Investment commentary, protection news, pensions update and retirement news.
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Recent improvement in the Japanese economy – recording a sixth consecutive quarter of growth in Q2 2017 – has again raised hopes that, together with an improving global economy and Bank of Japan stimulus, this could be the catalyst for the long-awaited Japanese growth and inflation cycle.
 
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Latest updates
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After a decade out of favor, international value stocks are overdue for a comeback, notes ClearBridge PM Safa Muhtaseb. 
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FCA research revealed that when presented as a form of insurance, 66% of consumers preferred an annuity to a savings account.
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Mutual insurer Royal London and Southampton-based IFA firm Radcliffe & Co have joined forces to call for changes.
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Partner news
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As the Trump administration continues to tinker with trade agreements, investors grow increasingly wary of the market implications.
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There has been a renewed optimism in Emerging Markets in 2017, find out why…
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Like you, we want your clients to be protected in the event of an illness or an accidental injury.
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Events this week
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More info
Panacea poll
Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?
Panacea poll
Wealth & money management awards
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Bento 875: Why you need to be Extraordinary
10 Nov 2017

In this issue: Business development update, pensions regulation, investment commentary and investment video.
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[greeting_bento]
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Infoxication is the word used to describe the difficulty of understanding an issue or making a decision when faced with too much information. My inbox at the moment is certainly infoxicated around the issue of ‘Robo Advice’. It seems every news update leads with some story for or against the issue.


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Latest updates
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Failure to consider the needs of vulnerable clients could result in poor client outcomes and it  constitutes non compliance with the FCAs principles.
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Emerging market leaders from across BNY Mellon discuss the rising appeal and development of emerging markets.
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NS&I has announced that it is increasing interest rates across its variable rate product range, including Premium Bonds, from 1 December.
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Partner news
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Japan’s history of economic stagnation, demographic weakness and shortcomings in corporate governance has turned investors off in droves.
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Welcome to this week's edition of Weekly Digest; a topical in-house review of world stock markets and the global economy.
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M&G: How far can pendulum swing towards active?
In this month’s update Ritu Vohora, Investment Director, asks whether the environment is now more favourable for active stockpicking.
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Events next week
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More info
Panacea poll
Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?
Panacea poll
Wealth & money management awards
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Bento 874: Setting the Record Straight
8 Nov 2017

In this issue: Partner offer, Protection news, Pension news, Investment news & Tax news.
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“Demand is far exceedingly supply when it comes to good financial advice”, or such is the view of Vince Smith-Hughes, Director of Specialist Business Support at Prudential.
Latest updates
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We have a range of New Audi vehicles for immediate delivery with exclusive Sytner Affinity savings.
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VitalityLife announced that it will be providing fully underwritten decisions online for Type 1 diabetics who have good control of their condition.
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Welcome to your November update – bringing you our latest automatic enrolment (AE) and pensions news and tips for your sector.
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Partner news
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In this third in a series of videos looking at how investor behaviour has changed over the years.
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Last month Helen O’Hagan at Prudential covered the entry charge for discretionary trusts and this month she moves onto the periodic charge.
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Last week the government announced the pensions dashboard project will go ahead under the DWP.
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Events this week
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More info
Panacea poll
Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?
Panacea poll
Wealth & money management awards
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Bento 873: Shock horror! Base rates go up by 0.25% - we weren’t expecting that!
6 Nov 2017

In this issue: Investment news & Partner events.
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For the last couple of months the Bank of England has been preparing all of us for today’s 0.25% increase so it shouldn’t have come as a shock that the base rate has increased, but what does it actually mean to the general public and more importantly people with mortgages which are now more expensive to service per month?
Latest updates
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Royal London conducted research among 1,500 millennials to understand the key influences on millennials’ future long-term pension saving
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In this month’s letter, Peter aggregates recent discussions he has had on the subject of “good active management”.
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Prudential are at stand 132 at A Festival of Financial Planning at the NEC Birmingham on 7 and 8 November.
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Partner news
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Like a jumbo jet with fighter plane performance, the Chinese economy can have a massive impact for good or ill far beyond the country’s borders…
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Japan is a nation famed for its culture & tradition.Unfortunately for investors, this has often meant higher corporate savings and meagre returns.
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NS&I are pleased to announce they will once again be exhibiting at Personal Finance Society annual conference in November.
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Events this week
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More info
Panacea poll
Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?
Panacea poll
Wealth & money management awards
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Bento 872: Strange days indeed
3 Nov 2017

In this issue: Investment commentary, bond update, pensions survey and protection news.
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[greeting_bento]
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The last couple of weeks since Harvey W got into trouble we have seen an extraordinary meltdown in the retrospective world of #metoo

I have borrowed from a really famous quote by Martin Niemoller, a protestant pastor, who became famous as an outspoken critic of Adolf Hitler. He spent some seven years in various concentration camps for his trouble.

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Latest updates
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India is providing some valuable lessons for developed markets in its ability to tackle problems in its healthcare system…
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Commenting on the ECB announcement, Paul Rayner, Head of Government Bonds at Royal London Asset Management says.....
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Following the introduction of pensions freedom and choice the need and demand for guidance and advice has exploded.
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Partner news
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The news which ‘feels’ more important is that which grabs the headlines, so are markets ignoring news flow today in the hunt for short term gains?
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Welcome to this week's edition of Weekly Digest; a topical in-house review of world stock markets and the global economy.
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This Halloween, NS&I’s Agents Million brought a particularly sweet treat to two Premium Bonds holders in Edinburgh and Cambridgeshire.
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Forthcoming events
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More info
Panacea poll
Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?
Panacea poll
Wealth & money management awards
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Bento 871: The three levels of value creation
1 Nov 2017

In this issue: Protection news, pensions freedom update and investment commentary.
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[greeting_bento]
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“If you don’t like change, you’re going to like irrelevance even less.” General Eric Shinseki, Chief of Staff, U. S. Army

The primary function of a business is to create value and I would imagine that everyone would agree that it is vitally important that our clients experience the highest value possible from what we can do for them.


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Latest updates
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Pension freedoms were introduced with a fanfare: “no-one need buy an annuity again”.
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Thomas Moore discusses his outlook for spreads over the next 12 months, healthy corporate fundamentals, and the potential risks.
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It can be challenging for advisers to achieve stable growth and income, whilst simultaneously managing risk.
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Partner news
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Technology is a unique sector, with some of the most disruptive and highly coveted companies in the world.
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Multi-asset investing means investing across a wide range of assets and aims to find low correlated assets with good returns.
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Emerging market leaders from BNY Mellon boutiques Insight and Newton address the strong performance in EM equities and bonds so far this year.
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Forthcoming events
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More info
 Panacea poll
 Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?
Panacea poll
Wealth & money management awards
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Bento 870: Income Matters...Now
30 Oct 2017

In this issue: Investment news.
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Time to switch gears after a decade of easy money? Tips on where and how to get income in both fixed income and equities.
Latest updates
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Our chart comparing bitcoin’s price movements with a classic market bubble should be enough to test the ‘leap of faith’.
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Parit Jakhria, Head of Long Term Investment Strategy, explains how his team operates to determine their long-term investment strategy. 
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Markets in September saw cyclical equities leading the indices up, ending a four month run of underperformance.
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Partner news
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Panacea has been a major influence on the Heath Report process and the creation of Libertatem.
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A brighter political outlook in Brazil and interest in Peru’s commodity exposure caused BNY Mellon to increase its overweight to Latin America.
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Tech giants such as Alphabet & Amazon have revolutionised the way we lead our lives. As valuations of a few of these companies reach giddy highs.
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Forthcoming events
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Panacea poll
Is your advice business prepared for the new GDPR (General Data Protection Rules) that come into effect in May 2018?
Panacea poll
Wealth & money management awards
PS Don't forget to register for our next Free webcast on A real value investment perspective

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