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 1122: Panacea member’s preferential rates on foreign payments with FAIRFX
28 Feb 2020

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FairFX offers a bespoke currency management service to help individuals and businesses maximise their overseas currency exposure.  FairFX have helped over a million customers manage their currency requirements. Making same day payments with zero handling fee’s saving on average around 4% compared to high street banks on our clients currency exchange rate.
 
 
   
 
 
 
 
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Sunil Krishnan discusses the conditions for a continued rise in global equities, the potential of Japanese and US equities to outperform from a regional perspective, and some attractive features of emerging markets – particularly Brazil – which may have been overlooked.

 
 
   
 
 
 
 
 
 
 
Alexandra Jackson, saw her Rathbone  UK Opportunities Fund outperform the  sector, in what was a turbulent year of highs and lows. She looks to the future, and explores whether we’ve seen the last of the Boris Bounce. 
 
 
 
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Krishan Selva, Client Portfolio Manager, discusses year end 2019 performance and the opportunities and challenges as we look out to 2020.
 
 
 
 
 
 
 
 
We are doing some research around network appointed rep agreements and would appreciate it if anyone could share theirs with us. Obviously this is in strictest confidence. Along with any observations, pluses etc.
 
 
 
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We are asking readers of our ‘Bento’ and 'solus' emails to take part in a very short survey on what kind of information and content you enjoy receiving from us. This will help us ensure that we continue to provide you with the very best relevant, timely, and useful communications allowing  you to better support and service your clients needs in a fast moving digital world.
 
 
 
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Bento 1121: Panacea content survey 2020 & win a case of vintage wine
24 Feb 2020

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We are asking readers of our ‘Bento’ and 'solus' emails to take part in a very short survey on what kind of information and content you enjoy receiving from us. This will help us ensure that we continue to provide you with the very best relevant, timely, and useful communications allowing  you to better support and service your clients needs in a fast moving digital world.

PLUS everyone completing the survey will be entered into the prize draw to win a case of vintage wine worth £158!
 
 
   
 
 
 
 
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The latest ‘tech innovation’ may seem compelling, until you leave the group think echo chambers of London’s ivory towers. Head of multi-asset investments David Coombs considers how looking beyond the M25 can help us see what’s going on in the real world.
 
 
 
 
 
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Chief Medical Officer for The Exeter and leading specialist in early cancer diagnosis, Professor Willie Hamilton CBE, MD, FRCP, FRCGP shares his knowledge in this video on Cancer Care: Present and Future.
 
 
   
 
 
 
 
 
 
 
Rathbone Ethical Bond Lead Fund Manager, Bryn Jones reveals why 2019 was a great year for performance, and the key themes he’s keeping an eye on in 2020.
 
 
 
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Studying for your CII pension exams (J05, R04, R08, AF3 and AF7)? Then, take a look at FundsNetwork's range of 47 videos.
 
 
 
 
 
 
 
 
As the weeks roll on, we’re now on Episode 2 of the Practical Protection Podcast, and this week we’re focusing on Rare Diseases.
 
 
 
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Bento 1120: FSCS Increase - Are you ready for the Fightback?
20 Feb 2020

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So, advisers have 7 days to stump up on average another £5,000 for FSCS. What are you going to do about it? Apart from pay up.
 
 
   
 
 
 
 
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There are the obvious attractions to the Asian region, such as favourable demographics, growth in urbanisation and economic expansion. Access our latest adviser insights by registering for our Academy of Funds.
 
 
   
 
 
 
 
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Noelle Cazalis, Rathbone High Quality Bond Fund Manager reflects on extremely good performance for a relatively new fund and the key driving factors on what has been a stellar first year. 
 
 
 
 
 
 
 
 
Calculating clients' pension allowances, particularly at tax year end, can be complex. Paul Kennedy and Paul Squirrell, FundsNetwork’s tax and pension experts, discuss the many steps involved in the process.
 
 
 
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On this webinar Cat McInally, Business Development Manager will look at the recent performance and Expected Growth Rates on the PruFund range from Prudential. 
 
 
 
 
 
 
 
 
Silversea introduces zero single supplement fares on a curated selection of nine voyages, providing solo travellers with more of a reason to give themselves the gift of travel. 
 
 
 
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We are asking readers of our ‘Bento’ and 'solus' emails to take part in a very short survey on what kind of information and content you enjoy receiving from us. Complete the survey and enter into a prize draw to win a case of vintage wine worth £158.
 
 
 
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Bento 1119: Rathbone Global Opportunities Fund
18 Feb 2020

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James Thomson, who has managed the Rathbone Global Opportunities fund for over 15 years, deep dives into another successful year which saw the fund outperform the sector, with a first quartile positioning.
 
 
   
 
 
 
 
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In some respects, Insurance Bond taxation is nice and simple. No income arises for the investor, so no annual self-assessment obligations.
 
 
   
 
 
 
 
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We responded to the latest FCA consultation paper CP19/25 on DB pension transfer advice which closed at the end of October 2019. Here we look at what we said in our response.
 
 
 
 
 
 
 
 
Our fixed income team provide their weekly snapshot of market events.
 
 
 
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Watch this short FundsNetwork's retirement video explaining the intricacies of the MPAA. What happens when it is exceeded, what's the impact on the annual allowance, what events trigger it, and much more.
 
 
 
 
 
 
 
 
It includes a special focus on Retirement Planning. Reports on the challenges facing the SIPP sector and the need to re-polish the SIPP brand. As well as news on honouring the industry’s finest products and services.
 
 
 
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In this week’s CuraVision video Kathryn talks about Erica and Suzie*, who came to Cura seeking protection insurance to cover their mortgage. 
 
 
 
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Bento 1118: Panacea CPD library
14 Feb 2020

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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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Do you have clients who need critical illness cover but they're put off by cost? Having cover that pays out an income rather than a lump sum could be the solution.
 
 
 
 
 
 
 
 
20:20 Perfect vision? Contemplating the economic outlook for the year ahead
 
 
 
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Often couples know the value of assets such as investments and houses but they don’t know the value of their pensions and these could be the largest asset to be dealt with on divorce. 
 
 
 
 
 
 
 
 
Dry January has dawned once again – this year with Veganuary in tow – and gyms around the world are full of Johnny-come-Januaries. So will global investors have a similar New Year’s resolution and return to the UK, that once great name of iron?
 
 
 
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An increasing number of people’s retirement plans are being affected by the tax law. There is a lot of confusion and concern amongst clients.
 
 
 
 
 
 
 
 
Often couples know the value of assets such as investments and houses but they don’t know the value of their pensions and these could be the largest asset to be dealt with on divorce.
 
 
 
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Join Steve Webb, Director of Policy and External Communications as he hosts a webinar on the state pension. Find out more about top-ups, pension ages, deferral and other state pension issues.
 
 
 
 
 
 
 
 
In September 2019, the Association of British Insurers published a report by the New Policy Institute 'The impact of individual income protection on universal credit and the implication for policyholders', to provide more clarity on the potential interaction between individual income protection and universal credit. 
 
 
 
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Bento 1117: M&G webcast: a sustainable multi-asset approach to investing
13 Feb 2020

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M&G host monthly webcasts allowing you to access in-depth fund and macroeconomic updates straight from the investment floor, as well as an opportunity for your questions to be answered by the presenter & Fund Manager

 
 
   
 
 
 
 
 
 
 
Chief investment officer Julian Chillingworth reflects on an inauspicious start to China’s New Year. Meanwhile, the UK has quietly left the European Union (EU), but both sides are turning up the volume as negotiations begin over the final settlement.
 
 
 
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From first inception of the idea, the point of Pensions Dashboard has been to help engage people with their pensions.
 
 
   
 
 
 
 
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Having declined for the past 18 months, global growth is expected to gradually improve over the course of 2020. While we do not expect growth to rise above potential through the year, it does represent a somewhat better growth outlook than we had previously expected.
 
 
 
 
 
 
 
 
Rathbone Ethical Bond Lead Fund Manager, Bryn Jones reveals why 2019 was a great year for performance, and the key themes he’s keeping an eye on in 2020.
 
 
 
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When considering asset allocation in a low yield environment, do government bonds still have a full role to play as diversifiers?
 
 
 
 
 
 
 
 
It’s episode seven, and we’re talking to Philip Dicken, Head of European Equities, and Mine Tezgul, European Smaller Companies Portfolio Manager.
 
 
 
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In 2020, Boring Money’s Fin-k Tank event will become our 'Digital Investments & Advice' seminar. Again we are set to be kindly hosted by our partner Aviva at their HQ in London.
 
 
 
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Bento 1116: Diversity, political correctness and the FCA
11 Feb 2020

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Back in January, I came across an article suggesting that Governments have always been vulnerable to forms of themed political craziness. It is an interesting read.
 
 
   
 
 
 
 
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Carl Stick, Executive Director, stands in for Fund Manager David Harrison to discuss one of the hottest topics of the moment ESG. 
 
 
 
 
 
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Sunil Krishnan considers whether Europe can break out of its economic malaise and the factors investors should watch out for in 2020.
 
 
   
 
 
 
 
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We are so excited to bring to you our first “proper” episode, where we are talking about all things epilepsy and insurance.
 
 
 
 
 
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You should be fixing your roof when the sun is shining, as the saying goes. Our multi-asset investment specialist Craig Brown has been booking his holidays when the rain is pouring. His golden rule: don’t gamble, take the insurance.
 
 
   
 
 
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Join four of the leading names in the investment management business for the Connect4 Investment Forum. This seminar will qualify for up to 2 hours structured CPD.
 
 
   
 
 
 
 
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Talking ESG integration, being Non-Exec at the Bank of England and giving something back with Hanneke Smits, Chief Executive, Newton Investment Management and Richard Romer-Lee, Square Mile.
 
 
 
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Bento 1115: Putting a number on the value of advice
7 Feb 2020

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We recently worked with the International Longevity Centre to put a number on how much financial advice is worth to those who receive it. Our distribution director, Tom Dunbar, looks at the findings.
 
 
   
 
 
 
 
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As part of MiFID II, the FCA introduced the Product Intervention and Product Governance Sourcebook (PROD) rules in January 2018. Research has shown that some advisers are unaware of how the rules apply to them.
 
 
 
 
 
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Sunil Krishnan asks whether higher-yielding fixed income assets remain good diversifiers for multi-asset portfolios in the current environment.
 
 
   
 
 
 
 
 
 
 

Do you ever want a quick chat about a product but don’t have time for a full webinar? We know you’re busy and that’s why we’ve now got a handy online briefing form on our website so you can book a 20 minute product briefing, at a time to suit you.

 
 
 
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The Baillie Gifford Managed Fund has had a consistent, tried and tested approach since it was launched in 1987
 
 
 
 
 
 
 
 
This fund benefits from a series of exclusion based screens in order to ethically invest for income in smaller and medium sized UK companies.
 
 
 
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London as a financial global city leads the world in currency and commodities trading, insurance and shipbroking and is the second largest investment management centre globally after the US.
 
 
 
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Bento 1114: Put your future in good hands—your own
5 Feb 2020

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In the last few weeks I have shared with you some ideas on how goal setting can help you in 2020. Hopefully those that want to change have started to think about what their goals could be. The first step in effective goal setting is making sure you're clear about what your objectives in life are. Once you've done that, you must write them down, mapping out how to achieve your goals
 
 
   
 
 
 
 
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Robert owns a limited company and reviews his remuneration at the end of his reporting period, 31 March each year. He usually takes a combination of low salary and high dividends. The business has generated £100,000 of profit for the year and Robert uses the remuneration taken out in December to pay his bills etc for the next calendar year.

 
 
   
 
 
 
 
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In 1973 economist Burton Malkiel, a Princeton University professor, claimed that “a blindfolded monkey throwing darts at the stock listings” could do as well as an investment professional.
 
 
 
 
 
 
 
 
With monetary policy seemingly reaching the limits of its effectiveness, another approach is required for the continent to avoid ‘Japanification’.
 
 
 
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With greater focus on how investment management firms can bring about a more sustainable world; find out how the IA’s responsible framework aims to bring clarity and consistency to this ever-evolving topic.
 
 
 
 
 
 
 
 
Not another article about Brexit! Everyone’s had enough. But if you’re planning a getaway in the coming weeks or months, and will be needing foreign currency, then this one might just help you save some money.
 
 
 
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Bento 1113: Responsible Capitalism in the US: Still pursuing green
3 Feb 2020

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Responsible capitalism is running hot over in the US, and it looks like it’s not simply a flash in the pan. Fresh from a trip across the pond, Rathbone Global Sustainability Fund manager David Harrison gives his take on why greener commerce is ascendant in America. 

In the first chapter of Responsible Capitalism in the US: Still pursuing green, he also notes that the politics of green can sometimes get in the way of frank conversations.
 
 
   
 
 
 
 
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Discover how a small Swedish football team used brave, unconventional methods to triumph over their competition. Östersunds FK was languishing near the bottom of the Swedish league system – until the launch of an unorthodox “culture academy” inspired the team to extraordinary success. What can we learn from this remarkable story?
 
 
   
 
 
 
 
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Two of Southeast Asia’s biggest nations are following china into rapid tech-led growth says Ewan Markson-Brown, co-manager of Baillie Gifford’s Pacific Fund.
 
 
 
 
 
 
 
 
Planning has undergone a range of changes over the years. FundsNetwork’s guide covers areas such as transitional protection, enhancements and reductions, test trigger events and the LTA charge. 
 
 
 
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An individual has an annual exemption for lifetime transfers of £3,000 per tax year. After making use of your current year’s exemption, you can also carry forward any unused amount from the previous tax year.
 
 
 
 
 
 
 
 
Technological developments are changing almost every facet of our lives – even how we celebrate this most traditional festival.
 
 
 
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Mark Till, MD of Digital Solutions at Aegon and Ben Hammond from Altus debate some of the big picture issues affecting the platform sector in the latest FT Adviser podcast.
 
 
 
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