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.

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Bento 813: Time to talk Retirement Plans
26 May 2017

In this issue: Retirement news, Investment news, Survey and Pension news.
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Time to talk Retirement Plans
It's predicted that by 2034 a quarter of the UK population will be 65 or over,* with life expectancy expected to reach around 90, in some parts of the UK.** Add Pension Freedom to the mix, there is a lot for your clients to consider when making plans for their retirement.

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Latest updates
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Investec Wealth & Investment: Trumpeachment
Admittedly, impeachment was high on the agenda in Brazil last year but threats to impeach US President Donald Trump carry greater weight.
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Accountabilty of the regulator
This is the last chance to give us your view on accountability of the regulator. This short, anonymous survey will close 6pm on Monday 29 May 2017. 
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The Pension Regulator: check your controls
The recent global ransomware attacks have highlighted the importance of knowing what you & your administrators are doing to keep information safe.
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Partner news
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Prudential: Would you take a tennis racquet fishing?
Les Cameron, Head of Technical at Prudential, explores defined benefit pension transfers from a technical viewpoint.
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M&G: BVTV: Trump, Temer … and the I-word
This week on BVTV we discuss the political uncertainty surrounding the Trump presidency and Brazilian leader Michel Temer.
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Aviva Investors: Fixed income: the debt disconnect
As the mountainous scale of global debt continues to climb, investors are advised to heed the lessons of the past, argues Chris Higham.
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Events next week
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Brooks Macdonald: 2017 Academies - 01/06/17
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Bento 812: Credit Bubble Trouble?
24 May 2017

In this issue: Investment news, Pension news and Protection news and Investment webex.
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Credit Bubble Trouble?
With the Financial Conduct Authority and recent press reporting concern about the UK’s increasing unsecured credit bubble, we thought we would ask the public about their debts and if they plan to increase their unsecured debt over the next 6 months.
Latest updates
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Adviser Champions
Advisers need to embrace technological change  - and they need to do so in "so many areas" says Panacea Adviser's founder & CEO Derek Bradley.
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BlackRock: Sterling Strategic Bond fund turns 1
The BlackRock Sterling Strategic Bond Fund delivered 10.6%  in its first year - a period when global government bond yields moved higher.
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The Pension Regulator: Instant pension duties
From October 2017, all new employers will have automatic enrolment duties from the date they employ their first member of staff.
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Partner news
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Aviva Investors: Equities: taking the long view
The stock market is frequently, sometimes justifiably, seen as the epitome of short-termism.
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Just: Are your business clients protected effectively?
As you probably know, we offer life assurance for clients who have unhealthy lives. However did you know we offer Key Person Insurance.
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Quarterly market & political update from Prudential
Prudential are running a webex on 1 June 2017, to help you identify new financial opportunities with your clients.
Read More >
Events this week
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Brooks Macdonald: 2017 Academies - North west - 25/05/17
FundsNetwork: Paul Kennedy’s taxes every which way tour 2017 - Leeds - 25/05/17
Rathbones: Financial Adviser Roadshows 2017 - Manchester - 25/05/17
Rathbones: Financial Adviser Roadshows 2017 - Liverpool - 25/05/17
Rathbones: Financial Adviser Roadshows 2017 - Preston - 26/05/17
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Bento 811: APFA/WMA merger: Do advisers care anymore?
22 May 2017

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APFA/WMA merger:Do advisers care anymore?
Last week, we learnt that APFA was to merge with the Wealth Managers Association. The announcement seemed to catch advisers and the press by surprise, but what does it mean for impartial financial advisers.
Latest updates
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Accountability of the Regulator & 2017 sentiments
The growth of regulation is often cited as one of major changes in the UK constitution.
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Aviva: Friends Life pipeline to close
It's hard to believe it's been nearly seven months since we launched our integrated proposition.
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Aviva Investors:UK economy: into the great unknown
After Theresa May formally notified the European Union (EU) of Britain’s intention to withdraw from the bloc, we consider the prospects.
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Partner news
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Sytner: Keeping you safe on the road
Sytner Affinity offer a 10% discount on servicing, parts & accessories. In many cases we can also offer you priority booking.
Read More >
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Investec Wealth and Investment: Weekly Digest
“How well prepared is the world to counter the growing threat of cybercriminals?”
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Rathbone Review Summer 2017: Children of the revolution
The Prime Minister announced a snap general election for 8 June, and while this introduces some short-term uncertainty.
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Events this week
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Architas: World Market Review UK Roadshows - South West - 24/05/17
Brooks Macdonald: 2017 Academies - East Midlands - 24/05/17
Rathbones: Financial Adviser Roadshows 2017 - Sheffield - 24/05/17
Investec Wealth & Investment: Bournemouth Roadshows - 24/05/17 - am
Rathbones: Financial Adviser Roadshows 2017 - Harrogate - 24/05/17
Investec Wealth & Investment: Bournemouth Roadshows - 24/05/17 - pm
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Bento 810: Marx and spenders
19 May 2017

In this issue: Protection news, business development assistance, social media webinar and Investment news and research information.
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Marx and spenders

I tend to have a rather cynical view of politicians, formed with some up close and personal encounters with a number of high profile one’s over the years. Why would anyone want to stand for election these days? Why would anyone want to vote for some of them? 

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Latest updates
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VitalityLife Indexation Option
We believe that Indexation is important in order to protect the value of cover for clients.
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The ten commandments of successful goal setting
It is no fun being all things to all people and doing everything for everyone!
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LifeTalk: Join us for our Social Media webinar
Good news for IFAs & Financial Advisers in the North of England, Scotland & the Regions…!

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Partner news
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DFM Alliance: An event dedicated to helping IFAs
The heat is on and this FREE, CPD eligible IFA event is only three weeks way. We have assembled some of the most influential speakers.......
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Royal London: What triggers the MPAA?
There’s sometimes confusion around what triggers the money purchase annual allowance. Find out what does and what doesn’t trigger the MPAA. 
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RSMR links with Panacea Adviser to deliver research
Leading investment research and fund ratings group RSMR has teamed up with Panacea Adviser to create an improved link for Panacea Adviser users.
Read More >
Events next week
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FundsNetwork: Paul Kennedy’s taxes every which way tour 2017 - Glasgow - 23/05/17
Rathbones: Financial Adviser Roadshows 2017 - Norwich - 23/05/17
Rathbones: Financial Adviser Roadshows 2017 - Newmarket - 23/05/17
The Power of 3 Roadshow (London) - 23/05/17
More info
Panacea poll
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Bento 809: Asia’s innovation sensation
17 May 2017

In this issue: Investment commentary, retirement update, research panel,
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Asia’s innovation sensation
Think of innovation and Silicon Valley may initially spring to mind. But Asia is quietly rising into an innovation powerhouse in its own right. Fidelity Emerging Asia Fund manager Dhananjay Phadnis outlines the companies that he believes are well positioned to capitalise on these technological advancements.

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Latest updates
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BlackRock: What stock market volatility?
This month has seen the VIX index - a measure of S&P 500 implied volatility - close at its lowest level since February 2007.
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Aviva: What’s the future for retirement solutions?
The retirement income market has changed radically in recent years and our profession has had a great deal to contemplate.
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Panacea Research Panel
Would you be interested in joining a research panel set up by Panacea if you could earn a small income for your time?
Read More >
Partner news
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M&G Optimal Income Fund update- Richard Woolnough
In the latest M&G Optimal Income Fund update video, Richard Woolnough discusses the fund’s current position.
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Rathbones: Digital hygiene
The development of Germ Theory during the late-1800s led to hospitals becoming bastions against disease rather than minefields of micro-organisms.
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Brooks Macdonald: China: policy support offsetting structural headwinds
Despite concerns that China’s economy was undergoing a ‘hard landing’ in January 2016.
Read More >
Events next week
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Brooks Macdonald: 2017 Academies - East Midlands - 18/05/17
M&G Investments: Learning Matters Seminars - South East - 18/05/17
M&G Investments: Learning Matters Seminars - East of England - 18/05/17
Rathbones: Financial Adviser Roadshows 2017 - Cardiff - 18/05/17
Rathbones: Financial Adviser Roadshows 2017 - Bristol - 18/05/17
Rathbones: Financial Adviser Roadshows 2017 - Guildford - 18/05/17
Rathbones: Financial Adviser Roadshows 2017 - Chichester - 18/05/17
Rathbones: Financial Adviser Roadshows 2017 - London - 18/05/17
More info
Panacea poll
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Bento 808: Clinical study highlights savings worries risk to mental health
15 May 2017

In this issue: Bento for one, retirement update, regulatory survey, investment commentary and pension news.
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Clinical study highlights savings worries risk to mental health
Nearly half (49%) say financial worries regularly impact their personal relationships and affect their ability to sleep (54%), with one in ten (11%) having their sleep hampered nightly. A further 30% of the 5,000 people polled said they get stressed just thinking about their financial situation in retirement, yet only 56% of the population is saving enough for a comfortable retirement.

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Latest updates
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Aviva: Pensions v buy to let
In our latest Financial Planning Bulletin, we look at pensions and buy to let investments and compare: tax treatment, investment risk & access rules.
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Prudential: The 'what' of Trusts - Gift Trust
The concept of trusts can be confusing and complex for many advisers...
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How to pick and win your battles in life and business
It is no fun being all things to all people and doing everything for everyone! 
Read More >
Partner news
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Accountability of the Regulator & 2017 sentiments
The growth of regulation is often cited as one of major changes in the UK constitution.
Read More >
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Investec Wealth Investment most popular DFM?
Investec Wealth & Investment has been named as both the most popular and most preferred discretionary fund manager by advisers.
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Brooks Macdonald: Thematic equity investing
Over the past year, developed-world financial stocks have benefitted from an improvement in the operating environment.
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Events this week
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FundsNetwork: Paul Kennedy’s taxes every which way tour 2017 - Brighton 16/05/17
Rathbones: Financial Adviser Roadshows 2017 - Exeter - 16/05/17
Rathbones: Financial Adviser Roadshows 2017 - Newcastle - 16/05/17
Rathbones: Financial Adviser Roadshows 2017 - Durham - 16/05/17
Brooks Macdonald 2017 Academies - Solihull - 17/05/17
M&G Investments: Learning Matters Seminars - London - 17/05/17
M&G Investments: Learning Matters Seminars - South East - 17/05/17
FundsNetwork: Paul Kennedy’s taxes every which way tour 2017 - Chelmsford 17/05/17
More info
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Bento 807: What’s consuming Asia?
12 May 2017

In this issue: Investment commentary, Trust update, DFM news and Panacea research panel.
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What’s consuming Asia?
Asia continues to evolve into a consumption powerhouse. Indeed, by 2030 the region is expected to account for around two-thirds of all middle class people globally.
Latest updates
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Invesco Perpetual webcall: Europe avec Marcon
There are many questions around what a post Le Pen Europe means for not only France, but the future of both Europe and the Brexit process.
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Investec Wealth & Investment: Market commentary
Half a year can sometimes feel like a long time in investing, and much has happened in the last six months.
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Prudential: When will I learn?
One of the great things about life is the ability for it to surprise us.
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Partner news
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Aviva: Kick-start your fund research
Aviva’s Fund Centre is already the goto investment destination for many of you, so we’ve now made enhancements to the way you find & research funds.
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M&G Equities Market Perspective
M&A activity has begun 2017 on a positive note after falling in 2016.
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Panacea Research Panel

Would you be interested in joining a research panel set up by Panacea if you could earn a small income for your time?

Read More >
Events next week
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Brooks Macdonald: 2017 Academies 16/05/17
M&G Investments: Learning Matters Seminars - Wales 16/05/17 (AM)
M&G Investments: Learning Matters Seminars - South West 16/05/17 (PM)



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Bento 806: How much has the shiny new logo cost this time?
10 May 2017

In this issue: Investment news, CPD support, investment commentary and Bento for one webcast.
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How much has the shiny new logo cost this time?

In 2013, a Panacea FOI request exposed the rebrand cost for the FSA’s change to the FCA.

 It was  £1,061,423 including VAT? 

The FOI request went on to confirm the cost of the logo design saying:

“We have spent £48,000 on designing the FCA brand identity, £91,500 on developing the FCA brand guidelines, £57,000 on registering the new logo and on legal fees to resolve registration issues”.


Read more >
Latest updates
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Aviva: Take a fresh look at the experts’ choice
With over 2,000 funds to choose from, Aviva’s Fund Centre is already the go to investment destination for many of you.
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New CPD content from Prudential
Prudential has enhanced its CPD support for advisers with the accreditation of some of its PruConsulting business guides.
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BlackRock: European equities: playing catch up
Upbeat earnings news from Europe has provided a long overdue positive sign for the region. Can eurozone equity earnings close the gap on US?
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Partner news
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Investec Wealth & Investment - Weekly Digest
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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Brooks Macdonald: Weekly Market Commentary
Watch Investment Director Ed Park's weekly market commentary and read detailed economic and market news from our research team.
Read More >
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How to pick and win your battles in life and business
It is no fun being all things to all people and doing everything for everyone.
Read More >
Events this week
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Brooks MacDonald: 2017 Academies 11/05/2017
M&G: Learning Matters Seminars 11/05/2017 (AM)
M&G: Learning Matters Seminars 11/05/2017 (PM)
Rathbones: Financial Adviser Roadshows 2017 - Bolton 11/05/2017
Rathbones: Financial Adviser Roadshows 2017 - Belfast 11/05/2017
Rathbones: Financial Adviser Roadshows 2017 - London 11/05/2017
The Power of 3 Roadshow (Horsham) 11/05/2017
More info
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Bento 805: The impact factor
8 May 2017

In this issue: Protection news, adviser survey, forthcoming events and webcasts.
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The impact factor
"What can I change or add to my product or service that will make this even more attractive, and compelling and irresistible?" 100 ways to create wealth by Steve Chandler and Sam Beckford.

Read more >
Latest updates
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Aviva: Facts and figures
According to our latest Protecting our Families report, only 13% of UK parents  currently have income protection products.
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Accountability of the Regulator & 2017 sentiments
The growth of regulation is often cited as one of major changes in the UK constitution.
Read More >
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Investec Wealth Investment Bournemouth Roadshows
Simon Lapthorne, Senior Research Analyst, will be joining us to give a general Market Overview.
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Partner news
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Prudential: Focus on bonds webex event
There is still time to register for the ‘Focus on bonds webex event’ that Prudential are running on 11 May 2017.
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Luck or Success
Do you ever look at someone and think wow they are lucky? Perhaps they have succeeded in life or business or achieved something you always wanted.
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Just: Volatility ahead: is it time for John to lock in gain
John’s attitude to risk has changed. He doesn’t want to see a repeat of the volatility he’s experienced.
Read More >
Events this week
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World Market Review UK Roadshows 09/05/2017 - South East (AM)
World Market Review UK Roadshows 09/05/2017 - North West (AM)
M&G: Learning Matters Seminars 09/05/2017 - North West (AM)
M&G: Learning Matters Seminars 09/05/2017 - North West (PM)
Rathbones: Financial Adviser Roadshows 2017 - Glasgow 09/05/2017
Rathbones: Financial Adviser Roadshows 2017 - Edinburgh 09/05/2017
More info
Panacea poll
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Bento 804: Focus on bonds webex event
5 May 2017

In this issue: Investment news, bonds webex, protection news and partner offer.
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Focus on bonds webex event

Prudential are running a ‘Focus on bonds webex event’ on 11 May 2017, to help you identify  planning opportunities with your clients. There are four different sessions running throughout the day. 


Read more >
Latest updates
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Brooks Macdonald: Trump’s first 100 days
Much has been made of Donald Trump’s leadership style, ‘tweets’ and divisive policies since his election on 9 November 2016.
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M&G: Fixed income investing in a rising inflation
With inflation showing signs of a comeback over the first few months of 2017, how should fixed income investors go about positioning their portfolio.
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May 2017 Premium Bonds prizes
For the May 2017 draw, ERNIE paid out over 2.2 million prizes of more than £65 million in value.
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Partner news
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Aviva: Equity Release property valuation fee
On 31 March 2017, we changed our current property valuation fee structure for our equity release products.
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Royal London: Stand out from the crowd
Our comprehensive support service helps them when they’re going through testing times in their lives like facing stress ill health or bereavement
Read More >
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Sytner Easter savings don't have to stop!
We want to make buying your next car as easy as possible. We strive to offer fantastic service, part-exchange options and free vehicle delivery
Read More >
Events next week
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The Power of 3 Roadshow (Belfast)
More info
Panacea poll
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