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 1081: Panacea CPD library
18 Sep 2019

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With so many opportunities for CPD available it's difficult to keep track.

Have you made the most of the CPD-accredited material on offer by our Partner firms? If not you can use the below articles and videos (both structured and unstructured) to ensure you have read and digested material available to you.

 
 
   
 
 
 
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A discretionary trust is one where the trustees can accumulate income or pay it at their discretion. Normally the trustees can choose from a wide class of beneficiaries (excluding the settlor) to whom they distribute the trust funds.
 
 
 
 
 
 
 
 
In recent years, with the market volatility we have seen, there has been a shift in investors’ primary focus from being on return, to being on risk. This document will take a closer look at the multi-asset funds universe and, in particular, risk bound funds.
 
 
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How can employees boost their take-home pay or pension savings through salary sacrifice?
 
 
 
 
 
 
 
 
Please take this opportunity to join David Coombs, Head of Rathbone Multi-Asset Investments.
 
 
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Stay on top of the latest news, read the experts' reactions and access technical support – all through informer.
 
 
 
 
 
 
 
 

Business protection is vital to help a business recover quickly and minimise the impact if something happens to a partner, shareholder or key employee.  In this webinar we'll give you an overview of business protection, the types of cover available and some questions you could ask that’ll help you get started.

 
 
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Bento 1080: Are we seeing the last throes of 'we know best'?
17 Sep 2019

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For more than a century, tourists and high society would gather near Bishopsgate in London. They would pay an old penny so see the 'Lunatics Show' at Bedlam (or more correctly the Bethlem Hospital) where the mentally unstable would carry on in their own little worlds to the delight of the audience.

 
 
   
 
 
 
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Ben Constable- Maxwell, Had of Sustainable and Impact Investment with M&G Investments, discusses ESG, who it’s for, strategies, drivers and ESG in practice. 
 
 
 
 
 
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According to the Investment Association’s (IA) latest data, the UK Direct Property sector has assets under management of £18.4 billion as at March 2019.
 
 
   
 
 
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With over five hours of content, broken down in short chapters, FundsNetwork's library of retirement technical videos can help you prepare for CII pension exams. 
 
 
   
 
 
 
 
 
 
 
If your client owns ISAs when they die, their surviving spouse or civil partner can now use their inherited additional permitted subscription on ARC.
 
 
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Can a good financial plan be truly comprehensive if it doesn’t factor in protection against catastrophe risk? That’s the question Tony Wickenden, Managing Director of Technical Connection, asks in a new article for Aviva.
 
 
 
 
 
 
 
 
A guide for financial advisers on the setting the right strategy for investors for 2019/20.
 
 
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Bento 1079: It's no longer safe to use a Debit Card
13 Sep 2019

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Every year, increasing millions of consumers are victims of scams and identity fraud. The worst-case scenario is when an identity thief drains your bank account, takes your property and sells or trades your sensitive information.
 
 
   
 
 
 
 
 
 
 
Gain 30 minutes CPD by attending Aviva's upcoming property webinar. Join Neil Uttley as he takes you through an overview of the current property market, let you know about the equity release trends we're seeing and hear about the common queries Aviva receive. 
 
 
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The temptation for curious-minded people is to be seduced by intellectual problems and, in the investment world, to create sophisticated solutions which satisfy our curiosity and go well beyond what investors actually need.
 
 
   
 
 
DOWNLOAD YOUR COMPLIMENTARY SOCIAL MEDIA GUIDE NOW
 
   
 
 
Panacea has launched a complimentary social media guide for advisers. This guide will help with some way toward understanding the benefits of social media and more importantly, how to use it successfully.
 
 
   
 
 
 
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As climate change rises up the political agenda throughout the West and beyond, shareholders have an important role to play in limiting global fossil fuel consumption by pressuring oil companies to amend their strategies, argues Sora Utzinger.
 
 
 
 
 
 
 
 
Entrepreneurs on the west coast of America are stepping up spending on space. Luke Ward, investment manager, discusses how this new space age might impact investment in this episode of Baillie Gifford’s podcast ‘Short Briefings on Long Term Thinking.’
 
 
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Register now for Round 3 of the Invesco 2019 Investment Intelligence Seminars, running from September to December with over 70 venues and dates to chose from
 
 
 
 
 
 
 
 
The funds in this sector may invest in the debt of emerging market governments and corporates issued in both hard (developed market) currencies, and local (domestic market) currencies. 
 
 
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Bento 1078: Will I have a good day?
12 Sep 2019

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As a father of children with autism, you wear many hats.  You’re a nutritionist ensuring they eat well, a psychotherapist making sure they improve their co-ordination and most days a psychologist dealing with anxiety. My eldest boy usually starts each day looking for affirmation and emotional support and often asks a question due to anxiety “Will I have a good day”.
 
 
   
 
 
 
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As Brexit uncertainty descends into the ridiculous, head of multi-asset investments David Coombs finds himself in the strange position of hoping for a no-deal to bring some clarity.
 
 
 
 
 
 
 
 
Aegon considers what the FCA’s latest pensions transfer advice consultation paper could mean for firms offering advice to DB scheme members.
 
 
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Gold has been trending upwards since the fourth quarter sell-off and is now at its highest level since 2013. In this month’s video, Investment Director, Ritu Vohora looks at the driving forces behind investors’ renewed interest in the yellow metal.
 
 
 
 
 
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Given the rapidly changing nature of social media, it’s difficult to keep up with the pace. That is where the Panacea social media guide can help.This adviser guide will help with some way toward understanding the benefits of social media and more importantly, how to use it successfully.
 
 
   
 
 
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Register to join one of Prudential’s webinar sessions on Wednesday 18 September,to help you identify new opportunities with your clients.  

 
 
   
 
 
 
 
 
 
 
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?
 
 
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Bento 1077: What if China breaks away?
10 Sep 2019

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Should strained relations between the US and China become a full-blown rift, it could hurt global trade and stymie investors. Read this and more in the latest issue of Enlightenment, the funds magazine from Baillie Gifford.
 
 
   
 
 
 
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As we all know too well, HMRC has a multitude of forms, but regardless of that, can you specifically identify ‘Form 41G’? Graeme Robb, Senior Technical Manager at Prudential goes into more detail. 
 
 
 
 
 
 
 
 
119 seconds – Back to school! Lewis Aubrey-Johnson, Head of Fixed Income Products,discusses three things you need to think about when it comes to fixed income portfolios this autumn.
 
 
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Whilst most European economies are struggling, the Polish economy is defying expectations: it has seen solid growth rates, strong wage growth and an improved current account balance relative to history.
 
 
   
 
 
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Aegon are joining Pension Geeks this week to kick off the Pension Awareness Campaign Tour this week - the annual campaign aims to help the nation get to grips with their retirement savings.
 
 
   
 
 
 
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When I started out in this industry (and frankly for many years after then), I used to get very confused about yield curves, particularly when they get inverted. Thankfully, I now realise that it's quite simple.
 
 
 
 
 
 
 
 
This year's SRI Services and Partners ‘Screened, Themed & Engaged’  event which will be held on 9 October, during  ‘Good Money Week 2019′ at the Barbican, in London.
 
 
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Given the rapidly changing nature of social media, it’s difficult to keep up with the pace. That is where the Panacea social media guide can help.This adviser guide will help toward understanding the benefits of social media and more importantly, how to use it successfully.
 
 
 
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Bento 1076: Panacea CPD library
6 Sep 2019

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With so many opportunities for CPD available it's difficult to keep track.

Have you made the most of the CPD-accredited material on offer by our Partner firms? If not you can use the below articles and videos (both structured and unstructured) to ensure you have read and digested material available to you.

 
 
   
 
 
 
 
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Learn about Potentially Exempt Transfers (PETs) and Chargeable Lifetime Transfers (CLTs), their interaction with each other and the impact these gifts have on IHT.   
 
 
   
 
 
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This guide is full of facts to help you research and provide compliant drawdown recommendations, and explains how to mitigate some of the issues and risks involved.
 
 
   
 
 
 
 
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Watch our webinar to hear Elaine Cruickshank, our Tax and Trusts Manager, unravel the complexities of trust and IHT planning and spot new business opportunities.
 
 
   
 
 
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As we approach the Brexit deadline day, Will McIntosh-Whyte discusses why the Multi-Asset team are not looking to take big bets on the outcome, but rather position the portfolios in order to minimise any downside risk whatever the outcome.
 
 
   
 
 
 
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Pension Death Benefit Webinar: Making sure your clients' pensions live on.  Significant changes have been made to pension death benefits in recent years and pensions are now central to intergenerational financial planning.
 
 
 
 
 
 
 
 
Recommending life cover to your clients helps make sure they’re financially protected but does it go far enough?
 
 
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Bento 1075: The power of asking more questions and making fewer assumptions
4 Sep 2019

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We probably all like to think of ourselves as reasonably open-minded and that we do not make assumptions or jump to conclusions about other people – especially where our clients and potential are concerned.
 
 
   
 
 
 
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Join Defaqto’s expert on 11 September to learn more about the latest Defaqto product in the fund research arena.
 
 
 
 
 
 
 
 
With the CII exams getting closer, you may find FundsNetwork's library of over 40 videos valuable for your final preparation.
 
 
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It’s all over the media that we need to talk more about uncomfortable subjects, eg organ donation, mental health, funeral plans etc. In the pensions world, this includes death benefit nominations.
 
 
 
 
 
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Financial literacy and education are key elements of the path to economic growth and social inclusion in the European Union. 
 
 
   
 
 
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In this short video, fund manager Richard Woolnough explains why he doesn’t share the market’s nervousness about prospects for the global economy, and how this view is reflected in the fund’s positioning.
 
 
   
 
 
 
 
 
 
 
Money Marketing Interactive is perfect for financial professionals seeking the answers to the big challenges and questions facing the financial advice community today. The one-day event offers a selection of over 15 sessions for you to choose from in order to tailor your day to your specific business needs.
 
 
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Bento 1074: Every day is a school day
2 Sep 2019

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I’m a great believer in never ending your education and that, as the old saying goes, every day is a school day. If we stop learning we stop evolving and we might not reach our full potential or even enjoy life as much as we should. 
 
 
   
 
 
 
 
 
 
 
As the US and China continue their game of ‘tug-of-war’ in trade negotiations, could Trump turn his attention to the EU? Investment specialist, Kirsty Clark, discusses the prospect of a trade war between the US and EU?
 
 
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FundsNetwork have put together some easy and effective ways to reduce your firm’s exposure to cyber attacks based on guidance from the National Cyber Security Centre.
 
 
 
 
 
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Bob and Mary have a comfortable existence: they are debt and mortgage free and, on top of their pension income, they have a significant investment portfolio. Plus, Mary is set to start receiving her state pension in five years' time.
 
 
   
 
 
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Unlike the general insurance market where consumers recognize their need for home insurance, travel insurance and car insurance and buy of their own volition, suppliers of life and protection products typically have first to convince the target audience that they are financially vulnerable.
 
 
   
 
 
 
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The US yield curve inverted for the first time since 2007. What is the yield curve’s success in predicting previous US recessions? Is the inversion consistent with US data? What other reasons could be causing the inversion? 
 
 
 
 
 
 
 
 
This webinar will look at recent performance and Expected Growth Rates (EGRs) on the PruFund range of funds from Prudential. M&GPrudential Treasury and Investment Office (T&IO) will also provide updates on the market and current portfolio positioning for PruFund.
 
 
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AngelNews is offering IFAs and Wealth Managers complimentary tickets to The VCT & EIS Investor Forum 2019, which takes place in London on 21 November 2019.
 
 
 
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Bento 1073: Is the FCA Obstructing Government Policy?
28 Aug 2019

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A recent meeting of industry representatives looking at the Berkeley Burke SIPP defence in their appeal against the FOS has led them to draw some worrying conclusions about the way the Regulator has been going about their business, especially with regard to this specific case.
 
 
   
 
 
 
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Assessing ESG risks within real asset investments is far from straightforward. Mark Versey and Stanley Kwong use five case studies to illustrate the balance of ESG risk factors that affects investment decision-making, beyond simply trying to be ‘green’.
 
 
 
 
 
 
 
 
The FCA has now issued their final rules on a second tranche of remedies PS19/21. One of the key points is that pension providers must give consumers in decumulation annual information on costs and charges. Here FundsNetwork briefly summarised the main areas from the Policy Statement.
 
 
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Do you have clients looking to downsize? Our research shows almost half of those wanting to downsize couldn’t find a property to match their needs. 
 
 
 
 
 
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Our popular CPD Multi-asset roadshow is back. Hear the experts from Canada Life Investments, First State Investments, Orbis Investments, Royal London Asset Management, and Defaqto who will take you through the considerations when directing client money towards multi-asset solutions.
 
 
   
 
 
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Convincing clients to underpin their assets with protection may be difficult, but it’ll probably be worth it, for adviser and client...

 
 
   
 
 
 
 
 
 
 
FundsNetwork have created a checklist to help your due diligence around keeping your clients' data and assets safe.
 
 
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The purpose of an investment committeeis to oversee the group investment strategy from a number of perspectives and to ensure that the best interests of both the business and its clients are at the core of all investment activity.
 
 
 
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Bento 1072: '2020 AND BEYOND' Seminars
22 Aug 2019

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Keeping up the with changes impacting us is challenging. Increased regulation and complexity everywhere means advisers need to save time whilst still maximising returns for clients.  

 
 
   
 
 
 
 
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South African President Cyril Ramaphosa delivered his State of the Nation address on June 20, having led the ANC to victory in May’s elections. But his administration needs to move fast to address an economic slowdown, argues Bryony Deuchars.
 
 
   
 
 
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The FCA has just published a package of pension-related proposals designed to improve the quality of pension transfer advice and to help consumers get better value from their pension.
 
 
   
 
 
 
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Please join us from 10am to 11amon Wednesday 28 August for our next webinar on income protection.
 
 
 
 
 
 
 
 
Will this summer see a new Europe or the return to the “good old continent"? What are the challenges for our profession and our clients?
 
 
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As your business models evolve in the post-RDR world,and your financial planning processes continue to undergoimprovement, Square Mileobserves that many centralisedinvestment propositions rely onthe use of third-party strategic asset allocation tools.
 
 
 
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