Industry news and views from Panacea and our partners.
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Whats 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.
Asias 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.
Prudential: 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.
100 days of Trump: BVTV Special
With US President Donald Trumps first 100 days in office fast approaching, what has this milestone meant so far for markets, and more importantly what should investors be looking for from this point on?
Win a pair of tickets to the RHS Chelsea Flower Show with M&G
To mark their eighth consecutive year of sponsorship and long-standing partnership with the RHS, M&G are giving you the chance to win a pair of tickets to this year's RHS Chelsea Flower Show.
How safe is 4% withdrawal rate compare with personalised underwriting
Fears are growing that the debated 4% annual income from drawdown is too high and not sustainable in retirement. A one size fits all approach doesnt work, advisers need to include underwriting at product purchase and at every drawdown review.
Luxury retail real estate: poised for growth or close to the limit?
The retail real estate sector is increasingly polarised between secondary locations and shopping destinations with a luxury profile. This divergence reflects two factors: the increasing significance of e-commerce and the growth of luxury shopping tourism. Can we expect this trend to continue?
Nothing is more certain than death, taxes and eye watering probate charges
Late on Friday the 24th of Feb, the Lord Chancellor confirmed that following consultation in February 2016 on a change to Probate Fees in England and Wales, the Government will now shortly bring forward legislation to introduce the new fee basis as outlined in their 2016 consultation document wef spring 2017 ( my assumption this means April ). The purpose of this Probate Fee change is to aid cover the cost of running the Courts and Tribunals in England and Wales, it is expected to raise circa £250m for the Exchequer.
Tax year end: FundsNetworks Pension and ISA application deadlines
As the tax year end approaches, please be aware of FundsNetworks deadlines, to ensure theres time to process your clients' applications for the current tax year. Whether youre setting up a regular income for the first time from a drawdown account, topping up a pension or ISA account, or applying to Bed and ISA - please make sure you familiarise yourself with the cut-off dates and times.
M&G Bond Vigilantes: Mortgages and monetary policy in the US and UK
The cost of new mortgage borrowing and payments on outstanding household debt can have a large impact on the rate of growth of an economy. For this reason, central bankers are interested in the transmission mechanism of monetary policy. It has been shown that interest rates can have a stronger influence on an economy where there are a high proportion of variable rather than fixed-rate mortgages
Planning Matters: A family of case studies
Prudentials Planning Matters microsite brings together a fictional family and brings to life their planning needs through a detailed case study for each of them.
Are pensions moving into the digital age?
In our latest Real Retirement report, weve taken a look at how people aged 45 and over use technology to manage their day-to-day lives. Most people wont leave home without their smartphones and broadband is right up there with water and electricity as an essential utility these days. The evidence shows that our lives are now moving increasingly online.
Aviva Investors: UK real estate outlook: economic uncertainty weighs on property market
UK property will deliver a total return of five per cent per annum between 2017 and 2021, but investors will need to be more discerning on asset selection, says Chris Urwin.
RLAM: Autumn Statement far from UK version of Trumpflation
GDP growth forecasts were a tad higher than expected, at 1.4% for next year and 1.7% in 2018. However, looking beyond that, the Office for Budget Responsibility growth forecasts look very similar to their March forecast, so there is little sense that they believe Brexit, when it happens, will be a significant headwind to growth.
Allianz Global Investors: Financial Darwinism: the evolution of risk management?
Periods of market volatility can see significant drawdown or investment losses
Allianz Global Investors: Measuring performance of a risk targeted fund
Investment Risk is concerned with the degree of predictability associated with a portfolios behaviour; to what extent does the portfolios value deviate from the expected value?
Allianz Global Investors: Risk targeting: a friend in troubled times
The US Federal Reserves response to the 2008 Global Financial Crisis, in delivering excess liquidity through a policy of Quantitative Easing (QE), was the catalyst for a sustained decline in asset price volatility. Whilst the US concluded this policy in 2014, more recently other global central banks have either embarked on their own version, or reignited previous programs, e.g. Europe, Japan and the UK.
FinalytiQ: Platform Profitability: Myth Vs Reality
Imagine my surprise a few days ago when I read that advised platform sector made a profit in 2015! This is news to me. And I have been researching the financial performance of platforms for some time now, before it became fashionable to do so. So what the does our latest data tell us about the financial performance of advised platform? There are different measures of profitability Operating Profit, Adjusted Operating Profit, EBITDA, etc. But which one really matters and why? Thats what I talk about in this video!
BNY Mellon: Contending with political uncertainty
It is surprising how well markets fared after the shock UK referendum result. Clearly, the exit of the UK from the EU is going to be a protracted process and the economic consequences will only become apparent with time. For now, it is viewed as a UK-specific economic issue, with some European ramifications, rather than a global concern.
Blackrock: The rising cost of retirement dont panic, plan
The cost of retirement has risen sharply this year. Find out why.
'Property is a better bet' really?
When discussing what was the better bet for retirement planning, the Bank of Englands chief economist Andy Haldane said it ought to be pension but its almost certainly property. In this article we consider an alternative view.
Emerging Markets: new directions
Selectivity is a key theme dictating emerging market investing today. While the underlying investment story of rising middle classes and supportive demographics remains intact, emerging markets are entering the next chapter of their development - albeit not all at the same time or speed.
M&G Discovering GEMS in emerging markets
Contrary to popular belief, economic growth does not deliver stockmarket success. Companies are what really matter.
Be fearful when others are greedy
I flew back on the "red-eye" from the US and as per normal, I couldn't sleep, so I settled down to watch the Big Short again, a film based on the eccentric Hedge Fund Manager Michael Burry.