Industry news and views from Panacea and our partners.
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Aviva Investor: Canadian infrastructure: brave new world?
Investors have high hopes for Canadas PPP infrastructure market, but can it deliver the opportunities investors crave?
Prudential: Why OEICs are great and other matters
OEICs are great, they can be practically tax free for some, generating a natural income where its required. That could be interest or dividends or both. Withdrawals over the natural income may be taken tax efficient too. You can even cash them in tax free.
M&G Investment: Rising interest rates and infrastructure
What is the impact of rising interest rates on infrastructure? In this 2 minute update, Alex Araujo, Fund Manager of M&Gs Global Listed Infrastructure Fund, discusses the impact of rising interest rates on listed infrastructure, what type of infrastructure tend to do well in this environment and what this means for client portfolios.
Prudential: Defined Benefit Transfers the futureproofing of advice
Prudential are running a webex on 26 April at 9am, 11am and 3pm. Prudential are delighted to have Rory Percival, an independent regulatory expert join their Director of Specialist Business Support, Vince Smith-Hughes, as they discuss the current state of the DB market.
Aviva Investors house view Q2 2018
The intelligence that guides our investment decisions. Read our teams collective insight on how market volatility, trade tensions and Chinese reforms may impact the outlook for financial markets in the coming months.
Looking ahead as central banks look up Rathbones
The threats of higher inflation and rising interest rates spooked global stock markets in February, pushing up government bond yields. We expect the trend of rising yields to persist and be a dominant investment theme over the coming year, with important implications for equities.
Prudential: Planning Matters delivering income needs
Prudential are running a webex on 10 April at 9am and 11am. They recently ran a series of seminars across the UK that proved really popular, attracting over 1400 advisers. Feedback was so strong that theyve decided to run a webinar that covers the key points discussed, so those who didnt make it don't miss out.
Multinational Pooling Advanced
Our last CPD edition looked at some of the high level concepts behind multinational pooling, including the history and background, an overview of the common models and benefits for corporations, advisers and insurers. This article will look at some practical examples to illustrate the models and the advantages and disadvantages of some of the alternatives.
Thriving at work: the role of Group Income Protection
October saw the publication of Thriving at work: The Stevenson/Farmer review of mental health and employers (the Stevenson Farmer report), which took a broad look at the role of the workplace in helping improve mental health in the UK. In amongst the reports 40 recommendations for employers, Government, trade bodies, regulators and a host of others, were familiar messages about presenteeism.
Aviva Investors: Investors cheering China's market expansion should be careful what they wish for
A new pilot scheme could give investors greater access to Chinas vast equity market. But the project may also affect the performance of existing Hong Kong-listed shares, says Will Ballard.
Investors cheering China's market expansion should be careful what they wish for
A new pilot scheme will allow mainland Chinese companies to release some of their non-tradeable H shares into circulation on the Hong Kong Stock Exchange. The scheme could give investors greater access to Chinas vast equity market but it may also affect the performance of existing Hong Kong-listed shares, says Will Ballard.
Make things simpler with Prudentials Extracting Company Profits tool
Prudential are well known for their suite of tools and calculators, which can help generate discussions with your clients. One of their most popular tools just now is the Extracting Company Profits one.
Rt Hon George Osborne CH and Ben Edwards, CFA to open BlackRocks Insight Series
The eurozone is enjoying its fastest economic expansion since 2011. Emerging market growth looks self-sustaining, even if powerhouse China slows more than markets currently expect and US tax cuts could provide a decent dose of fiscal stimulus.
Navigating uncertainty with your investments
Uncertainty can bring discomfort, but it always brings opportunities. There are approaches to investing that look to navigate this uncertainty and chart a steadier course, even in choppy market conditions. Expert fund managers aim to strike the right balance between risk and reward to achieve a particular outcome. Whether thats managing rising inflation, finding returns in a low yield environment or navigating volatility in tough conditions, M&G offer a range of solutions designed to help your clients.
Royal London: Have we got our protection priorities all wrong?
At Royal London, we have a tool on our adviser website that shows the relative risks of death, critical illness, or being unable to work due to incapacity. We measure these risks using the age and gender of the client and over a period of time prescribed by the adviser. In other words, we make it personal.
The Future of the State Pension
The state pension system in the UK has undergone a series of changes since it was introduced in its modern form after the Second World War. Some of the biggest changes have been around the addition of earnings-related elements on top of the basic pension.
Prudential: How do you solve a problem like nearing the Lifetime Allowance?
With the Lifetime Allowance (LTA) for to £1m, more and more clients will be facing a planning dilemma when nearing this limit. Mark Devlin, Technical Manager at Prudential, looks at some of the considerations.
Whats your inflation rate? Try Rathbones personal inflation calculator
Whether your clients are accumulating for the future or drawing down on their wealth in retirement, inflation is a key factor of which to be aware. Rathbones are pleased to announce the launch of a personal inflation calculator, designed to give a prediction of what inflation means to them.
T. Rowe Price: Japanese Companies Are Already Delivering
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.
Setting the Record Straight
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.
Income Matters Now
Time to switch gears after a decade of easy money? Tips on where and how to get income in both fixed income and equities.
BlackRocks Global Investment Outlook for Q4
BlackRock has released their Global Investment Outlook giving their views for the fourth quarter.
Understanding Infrastructure
Matt Bushby, Global Head of Distribution, explains their specialist view on infrastructure, the key infrastructure characteristics RARE looks for, and why its too limiting to view the infrastructure opportunity simply as a Trump trade.
Digging below the surface of UK indices Rathbone Investment Insights Q4 2017
Investors today are paying a relatively high price for the domestically focused FTSE 250 compared with its larger multinational peers in the FTSE 100. This may seem counter-intuitive given Brexit uncertainty. This divergence is creating both opportunities and challenges for investors.
Responsible Junk The challenge of integrating ESG factors into a global high yield bond portfolio
Whether you call it Green, Responsible Investing or ESG (environmental, social and governance), there is no doubt that it is now a firmly established part of the investment landscape, having evolved from something of a niche interest to a mainstream concern in the space of just a few years. Growing awareness of a range of environmental and social issues has seen an ever larger number of investors move their focus away from purely financial goals towards an approach that also considers the social and environmental impact of their investments.
Time to switch gears?
After a decade of easy money meeting the cost of living has become increasingly challenging as yields on traditional income-generating assets have fallen and inflation has picked up.
Risk targeted governed retirement income portfolios prove their resilience at five-year anniversary
Royal London Governed Retirement Income Portfolios (GRIPs) have reached their five year anniversary with all five GRIPs demonstrating a track record of being able to deliver above benchmark returns over what has been a turbulent five years for investment markets. Despite market fluctuations caused by the US elections, Brexit, Chinese currency devaluation and a range of geopolitical risks, all five portfolios have outperformed against their respective benchmark over the five year period, delivering an average return of between 5.6-10.7% pa, net of a 1.00% charge.*
M&G: Joffys Journal Global financial crisis
In this first in a series of videos looking at the change in investor behaviour over the years, Global Head of Retail Sales, Jonathan (Joffy) Willcocks examines the global financial crisis and the ensuing reaction from investors.
European property: Ageing gracefully?
Europes population is set to contract and age significantly over the coming decades, but the demographic shift will not be uniform. Understanding this dynamic will be an important driver of real estate investment performance, explains Monika Sujkowska.
Sustainable help in a diligent world
With an uncertain political and economic future ahead, how confident are you that your clients will have a sustainable income in retirement?
Rathbones: Be a ScamSmart investor
In March, the Financial Conduct Authority (FCA) launched its ScamSmart campaign to help investors, particularly retirees, avoid the financial losses and emotional distress of being scammed. Over 65s with savings in excess of £10,000 are three and a half times more likely to fall victim to investment fraud. As responsible investors, we are naturally happy to support this campaign.
Just: Finding retirement a bit scrambled up?
These days retirement is complicated. Increasingly people are choosing to retire gradually.
Aviva Investors: Euan Munro's thoughts on the asset management industry and global markets
As we approach the halfway point in 2017, I recently took part in a video interview to discuss Aviva Investors recent progress, the state of the markets and whether continued low volatility is causing complacency among investors.
My kingdom for a horse
Two months ago, Theresa May announced a snap election to make hay while her popularity was riding high. Division in Westminster was curtailing the Governments ability to drive a hard bargain for a Brexit deal, the Prime Minister said.
Rethinking retirement together Financial Adviser Service Awards 2017
Retirements full of new conversations. Thats why at Just were always ready to talk to you about your clients needs, and aim to continually improve our products, tools, resources and professional support.
Falling default rates and high yields. Too good to be true?
With only one issuer defaulting in the first quarter of 2017 (compared to eight in the same period 12 months ago), the emerging market (EM) hard currency corporate bond asset class has until now met expectations that its default rate could be significantly lower in 2017.
Making things simpler with Prudentials improved Trust and Application Form Tool
Prudential know that trust business can be time consuming and complicated, particularly when completing documentation. Theyve made things easier for you by improving their popular trust and application form tool.
Time to talk Retirement Plans
Prudential launch their next Time to Talk campaign, which opens up a wide range of opportunities for you to talk to your clients about their retirement planning and how Prudential can help its Time to Talk Retirement Plans.
Scottish Widows: Clinical study highlights savings worries risk to mental health
As the nation continues to open up on mental health issues, research released today as part of Mental Health Awareness Week (8-14 May 2017) by Scottish Widows shows that one in six of us has suffered psychological problems as a result of money concerns.