Bento Bulletin

Getting yourself noticed

A big part of my job is getting noticed - in the right way. But it is more difficult than you might think. In normal times, we have to compete against the big players who have the funds to buy lobbyists, engage PR companies and get themselves strategically positioned across every media platform possible.

02/07/19
Invesco - Investment Intelligence Seminars 2019 - Round 2 The state of the nation - Southampton (am)

02/07/19
Invesco - Investment Intelligence Seminars 2019 - Round 2 The state of the nation - Southampton (pm)

03/07/19
Investment Intelligence Seminars 2019 - Round 2 The state of the nation - Epsom

Orbis: How do emerging markets really stack up against the US?

The US is expensive, and emerging markets (EMs) are cheap We've observed that before. But price alone isn’t what matters. What matters is the relationship between what you’re paying and what you’re getting, and the US and EMs represent different baskets of businesses.

FundsNetwork: What does the future hold for the advised platform space?

Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.

M&G: Making a difference (and a return)

Poll

How can you see our industry changing? We need your help to answer five very short questions and share insights and opinions on what you believe the future holds for the next generation of financial advisers.

The world is facing a rising tide of societal challenges, from the potential chaos associated with the breakdown of our climate, to unsustainable levels of waste and pollution, to vast and growing social inequality.

Aviva Investors: Sherpas or satnavs: The advisory conundrum

With robust tools and guides, investors can improve their chances of reaching their desired financial destination rather than taking a wrong turn.

Legal & General: Who is a lifetime mortgage for?

There’s no single type of lifetime mortgage customer. We’ve seen customers in a range of different circumstances benefit from unlocking the cash in their home. It’s not just the client that benefits from a lifetime mortgage either; a lifetime mortgage can help their families, too.

Legg Mason: German Bunds: Can Yields Fall Further?

German bunds have become a lightning rod for market anxiety; Western Asset's Gordon Brown argues that too much bad news is built into current pricing, obscuring some key long-term macro drivers.



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Bento 1051: MyDocSafe: Your front-office software suite
25 Jun 2019

MyDocSafe: Your front-office software suite

MyDocSafe is a leading provider of trusted e-signature, on boarding and client portal solutions for the professional and financial service firm market.

What scores are coming through on the service offered by FundsNetwork?

Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.

27/06/19
Invesco - Investment Intelligence Seminars 2019 - Round 2 The state of the nation - Doncaster

27/06/19
M&G Investments - Majoring on the Macro 2019 – Norwich

28/06/19
Invesco - Investment Intelligence Seminars 2019 - Round 2 The state of the nation - Bristol

Old Mutual Wealth: How to spot a criminal posing as your client

Impersonation fraud, where a criminal hacks into an email account and poses as a client to request the withdrawal of funds, is increasingly common. In the first six months of 2018 alone there were 3,866 reported cases of impersonation scams in the UK.

Defaqto: Master trusts have to shape up

Over 1m employers and 10m employees are now using workplace pension schemes. Opportunities for advisers have been created by the new standards for master trusts and the triennial re-declarations of compliance every employer must complete.

Latest Seneca Global Income & Growth Trust plc factsheet is now available

The value of Seneca - applying a value ethos across a range of assets: why restrict good thinking to just one asset class when it can be applied to many?

Immediate cover – independent study finds that Old Mutual Wealth’s protect is a stand out product

You’ll no doubt be aware of the terrible consequences losing a key person or shareholder through death or illness could have on your business owning clients.

Royal London market update

Read the latest market update from Royal London.

Invesco: India: Modi’s new mandate opens the way for more structural reforms

Modi has been sworn in for a second term as Prime Minister. What does it mean for the Indian economy?



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Bento 1050: Defined benefit hub
21 Jun 2019

Defaqto: Platforms see increased volume of business despite dropping satisfaction levels

Defined benefit hub

Take a look at Aegon's new dedicated DB hub to see how our DB support material can help you. We’ve developed and adapted our support material to highlight the important areas to consider before deciding if a transfer may be suitable for your clients.

In our platform service survey we asked financial advisers about their views on the service they receive from platform providers. Here’s what we learnt.

FundsNetwork: Which way is pricing heading in the future?

Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.

25/06/19
Dynamic Planner - Northampton, Dynamic Planner Training Academy, Hilton Northampton

25/06/19
M&G Investments - Majoring on the Macro 2019 – Manchester

25/06/19
Invesco - Investment Intelligence Seminars 2019 - Round 2 The state of the nation - Birmingham

Old Mutual Wealth: How do you make sure your client’s pension meets their income needs?

Take three minutes to watch our latest Collective Retirement Account video where Ian Browne, pension expert, talks about how to tailor your client’s pension and make strategic alterations so that it stays up to date and on track with their requirements.

Legg Mason: The Long-Term Impact of Trade Wars

Will today’s trade tensions permanently disrupt global value chains and lead to a new Cold War?

Poll

M&G: The changing face of investing

The investment industry has gone through a myriad of changes since the turn of the 20th century, fuelled by innovation, technology, regulatory changes and evolving investor preferences.

Panacea Guide to Recruitment

Panacea Adviser has produced this complimentary guide to take you through the recruitment process from start to finish. It will assist with determining your business needs, the type of individual you want, how much you want to pay, recruitment advertising and the interview process to ensure you employ the right person for the job.



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Bento 1049: Talk to someone about themselves and they'll listen for hours
19 Jun 2019

Talk to someone about themselves and they'll listen for hours

One of the most impactful books I have ever read was ‘How to win friends and influence people’, written by Dale Carnegie in 1936. Over 15 million copies have been sold worldwide making it one of the most popular self-help books of all time.

Invesco: Investment Intelligence Seminars 2019 - Round 20 The state of the nation - Aberdeen

20/06/19

20/06/19

Invesco: Investment Intelligence Seminars 2019 - Round 2 The state of the nation - Dundee

20/06/19Invesco: Investment Seminars 2019 - Round 2 The state of the nation - Ipswich

Rathbones In the KNOW blog: 10 years ago, I dreamed a dream

They used to call David Coombs crazy. When he set up our multi-asset funds 10 years ago, many people didn’t get why we were setting targets for return and risk that investors could hold us to.

Orbis: How to choose a fund manager

At its heart, an active investment manager’s proposition should be simple – to deliver performance that is sustainably better than average. But how can you identify managers who can deliver this sort of performance?

Defaqto: Fettered versus unfettered funds

Multi-manager funds, where the manager selects the funds they believe to be the best in each asset class for their portfolio (rather than investing in shares, bonds or other investments directly), can be either fettered or unfettered.

Poll

Old Mutual Wealth: Turning advice challenges into opportunities

An increasing number of advisers are switching on to the exciting advantages of offshore bonds – not only because they’re tax-efficient, flexible and straightforward – but also because they’re a fantastic solution for many of the advice challenges facing your clients today.

Invesco: LatAm equity health check

Where are the equity opportunities within Latin America, and what are the key concerns? Can imminent political reforms improve the outlook?

Attend the Orbis BAFTA breakfast

Morgan Hounsel, international investor behaviour expert, joins the Orbis investment team to discuss thinking differently and investing differently.

FundsNetwork: Demystifying the technical aspect of pensions

With incessant industry change from a regulatory, legislative and technical perspective, FundsNetwork offers advisory firms comprehensive support including client-facing guides.

Take a look



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Bento 1048: The Value of Apprenticeships
17 Jun 2019

The Value of Apprenticeships

Apprenticeships provide the structure of formal qualifications along with practical experience, and NMBA believe that their apprenticeships in financial advice and paraplanning are great opportunities for any businesses that wish to provide their staff with a structured and funded route to further qualification. The NMBA is the only financial services business on the register for Approved Training Providers, which means they are perfectly placed to offer you and your employees the best route to becoming qualified.

Foot Anstey: Restrictive Covenants: Protections and Pitfalls Seminar

19/06/19

19/06/19

Foot Anstey Invitation Restrictive Covenants: Protections and Pitfalls Seminar June 2019

20/06/19

M&G: Majoring on the Macro 2019 - London

Legg Mason: Recession Indicators Update: Lessons from 1998-2002

There are many parallels between today and 1998-2002, but the current environment lacks that period's overvaluation and cyclical excesses.

Orbis: Are your clients investing too conservatively, or too aggressively?

A thorough understanding of a client’s attitude to risk is a fundamental starting point for your investment recommendation. While it is easy to assume that these consultations are a straightforward affair, they are anything but, often due to the presence of various emotional prejudices that influence human thinking, usually subconsciously.

FundsNetwork: What chance is there of a platform being selected when not towards the top of a charge comparison?

Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.

Royal London: Lifetime Allowance Webinar

Join Fiona Hanrahan and Jim Grant as they host a webinar master-class on the lifetime allowance on Thursday 20 June

Defaqto: Protection service review suggests interesting opportunities for advisers

We asked advisers about their opinion of the service they receive from protection providers – and here is what they told us.

Scottish Mortgage Stock Stories – Ant Financial

ANT Financial is a private online payments business that started life as part of the Chinese e-commerce giant Alibaba. Scottish Mortgage’s Tom Slater explains what attracted him to take a holding in ANT for Scottish Mortgage.

Poll

Wizard Learning Newsletter

The CII pass rates for last year are now available. We have added them to our existing table below so that you can see the most recent years as well.



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Bento 1047: 2020 Conundrum. Trust registration
14 Jun 2019

2020 Conundrum. Trust registration

Proposed new government rules threaten last nail in coffin for life policy trusts The onerous registration rules would take dealing with trusts from complex to almost impossible, writes Ruth Gilbert.

19/06/19
Invesco - Investment Intelligence Seminars 2019 - Round 2 The state of the nation - Norwich (pm)

19/06/19
Dynamic Planner - Sevenoaks, Dynamic Planner Training Academy, Donnington Manor

19/06/19
M&G Investments - Majoring on the Macro 2019 – Chelmsford

Guardian: Imagine Wembley stadium 52 times over…

3.8m people in the UK are living with diabetes – that’s 5% of the population, and the equivalent to filling Wembley stadium 52 times over. And, this number is expected to rise significantly over the next 5 years.

Orbis: Why you should avoid home bias

The UK makes up only about 5% of the MSCI All Country World Index. While we may be the fifth largest economy when measured by economic activity, we are just a small island in a much larger global market from an investment perspective.

Prudential Bonds & OEICs taxation quiz

Register to join one of Prudential’s webinar sessions on Thursday 20 June, to help you identify new opportunities with your clients. Hosted by Graeme Robb – Senior Technical Manager.

Scottish Mortgage Stock Stories – Shopify

Shopify helps companies looking to sell their goods online. It is regarded by Amazon as a partner and, as Tom Slater of Scottish Mortgage explains, with a growing number of companies looking to have an online presence, it has a massive potential opportunity.

FundsNetwork: What is the importance of price?

Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.

Royal London: Everyone’s different

At Royal London, we understand everyone’s unique. That’s why our protection proposition isn’t ‘one size fits all’.

Poll

Rathbones In the KNOW blog: A ray of sunshine

David Coombs gets his grump on about the state of global politics. But our head of multi-asset investments is refreshed by the approach of a pragmatic and thoughtful businessman.



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Bento 1046: Panacea Guide to Marketing for Small and Medium Adviser Firms
12 Jun 2019

Panacea Guide to Marketing for Small and Medium Adviser Firms

To aid your client acquisition we have created a complimentary guide to marketing for Small and Medium Adviser Firms. In this guide we examine the various elements of marketing, allowing you to dip in and out as needed.

14/06/19
Invesco - Investment Intelligence Seminars 2019 - Round 2 The state of the nation - Teesside

18/06/19
Dynamic Planner - Oxford, Dynamic Planner Training Academy, De Vere Oxford Thames

19/06/19
Foot Anstey - Restrictive Covenants: Protections and Pitfalls Seminar

Orbis: Does your fund manager have the courage to stay the course?

Fashions change, fads come and go. But in the investment world following fashion can, well, cost you your shirt. In fact, checking whether your fund manager sticks to their investment approach, particularly during periods of underperformance, is an important aspect of your investment review.

FundsNetwork: What criteria is used to rate platforms?

Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.

Prudential CPD compilation – Bond Taxation

Whether you're recommending an investment bond for your client, or advising them to encash one, it's important to understand how bond gains are taxed.

Invesco: Flying update: Govt bond yields lower still

111 seconds – government bond yields have fallen even further (to record lows in some cases). Lewis Aubrey-Johnson, Head of Fixed Income Products shares his thoughts from our Henley Investment Centre.

Legg Mason: U.S. Municipal Bonds: Different Drumbeat

This week’s update focuses on why the spread between 2-to-10 year U.S. municipal bonds has fallen to its lowest point since 2017 – this supports analysis from Western on this topic.

Scottish Mortgage Stock Stories – Spotify

Tom Slater of Scottish Mortgage shares his enthusiasm for Spotify, a subscription streaming business that has grown to be a global product under the guidance of its founder CEO Daniel Ek.

M&G Equities: All eyes on trade

In this month’s video, Investment Director, Ritu Vohora looks at the escalating trade war between the US and China, with tensions reducing risk appetite and intensifying fears of a global economic slowdown.

ADVISER SURVEY

Simon Conn: Brexit comment

Overseas property and finance expert Simon Conn says people are continuing to buy homes abroad, despite the ongoing issues with Brexit.



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Bento 1045: Is your marketing working?
10 Jun 2019

Is your marketing working?

Marketing can be hard for busy business owners. Most people know they should be doing something – even if it’s a quick website update. But with so many options and so demands on your time, and often no one to spearhead the project and follow it through, marketing can seem like an impossible mountain to climb.

To take you to the marketing mountain instead (!) we’ve teamed up with Faith Liversedge, financial services marketing expert, to provide you with a series of complimentary checklists to help you benchmark your marketing efforts and prioritise the gaps.

Faith is also offering a number of ‘Quick Wins’ that will turbo boost your marketing, whether you’re starting from scratch or in looking for an upgrade.

12/06/19
Dynamic Planner - Colchester, Dynamic Planner Training Academy, Wivenoe House

12/06/19
Old Mutual Wealth - Supporting your clients when they need you most - Belfast

12/06/18
M&G Investments - Majoring on the Macro 2019 – Birmingham

Old Mutual Wealth Underwriting support from an award winning team

You can find indicative underwriting decisions for common medical conditions and pastimes not only by contacting our award winning underwriting team, but also on our new webpage. The page also includes a new Body Mass Index (BMI) tool, which calculates and provides an indicative decision for BMI, plus useful links to literature and other tools.

Orbis: 8 investment red flags

When scrutinising companies whose share prices have fallen and never recovered, a few red flags emerge. While not a save-all, knowing these can help you know when to dig a bit deeper and ask the right questions.

Legg Mason: Small Caps: The Outlook in 4 Charts

Steve Lipper, senior investment strategist at Royce, makes the case for why U.S. cyclical small cap stocks are due a rebound.

L&G: Are lifetime mortgages a solution for 'silver separators'?

Divorce is becoming increasingly common in later life, and parting ways is often more complex than simply splitting assets in half. It's paramount that advisers are aware of the negative effect it can have on a couple's finances.

Rathbones In the KNOW blog: Lights will stay on

Rathbones equity analyst Camilla Ayling reflects on the disruption to traditional retail, something of concern for investment managers when looking to invest clients’ funds in the sector.

Baillie Gifford: Amazon – Head in the Cloud

In the eyes of Amazon boss Jeff Bezos, the likely impact of ’the Cloud’ is still not fully understood. He sees it as a fundamental change in computing that will play out over decades. Scottish Mortgage’s Tom Slater considers the opportunities this might present.

FundsNetwork: Is the level of choice fuelling advisers to switch platforms?

Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.



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Bento 1044: The FOS ate my hamster!
7 Jun 2019

The FOS ate my hamster!

Please excuse the dramatic headline, but desperate times call for desperate headlines and we are certainly in desperate times.

The popular myth that FOS claims only happen to “bad “advisers hides a real and present danger. Every adviser has been issued with a perpetual ticket in the Reverse Lottery run by FOS.

11/06/19
Dynamic Planner - Lincoln, Dynamic Planner Training Academy,

11/06/19
Old Mutual Wealth - Supporting your clients when they need you most - Exeter

11/06/19
M&G Investments - Majoring on the Macro 2019 – Birmingham

Legg Mason: Stocks: Five Currency Myths Debunked

In support of Brandywine’s equity funds, this article explains five held misconceptions about currencies’ role in global equity investing.

Royal London: Reaching age 75: our top five frequently asked questions

We look at reaching age 75 in the latest in our series of top five FAQs on pensions technical topics.

Baillie Gifford: Amazon - Streaming the Future

Following a meeting with Amazon CEO Jeff Bezos, Scottish Mortgage manager Tom Slater considers the online giant’s prospects in the areas of broadcasting, music and gaming with a traditional media and entertainment industry that’s in flux.

FundsNetwork: Are there any signs that advisers think the platform market is going to settle down?

Paul Richards, Head of Sales, FundsNetwork interviews Colin Turton, Director, AdviserAsset on the latest developments in the adviser platform market.

Panacea Guide to Marketing for Small and Medium Adviser Firms

Orbis: Not happy with performance? Ask for a refund

After a long equity bull run, long-term return looks uncertain and advisers are increasingly expected to do more than simply pick funds with the best historic performance.

Horizons: Lifetime Savings & Investments 2019

Horizons: Lifetime Savings & Investments 2019 will bring together leaders in the world of pensions, long-term savings and retail investments for an exciting conference set to cover the hottest topics facing the industry, including open pensions, the pensions dashboard, DB-DC transfers, ESG, robo advice, evolving retirement solutions and more.



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Bento 1043: Solving the Investment Puzzle
4 Jun 2019

Solving the Investment Puzzle

The Baillie Gifford Managed Fund has had a consistent, tried and tested approach since it was launched in 1987. In this film investment managers Iain McCombie and Steven Hay sum up how the Managed Fund aims to keep it simple in a complicated investment world.

“It's made up of equities, bonds and cash, and we think to generate great returns, that’s all you need.”

06/06/19
Legal & General - CII Equity Release qualification revision workshop - Barnsley

06/06/19
Old Mutual Wealth - Supporting your clients when they need you most - Fareham

06/06/19
M&G Investments - Majoring on the Macro 2019 – Inverness