Industry news and views from Panacea and our partners.
CPD Library_
Concentrating on Concentration Risk (45 minutes)
Explore what concentration risk is and why it is important
Tax wrappers: a summary of key differences (30 minutes)
A summary of some of the wrappers available to investors to maximise tax-efficient returns.
Client retirement options explained (30 minutes)
The more efficiently you invest the less you need to save - but what do we mean by efficiency?
Tax-efficient investment planning (30 minutes)
A summary of the order of taxation on earnings, and its implications for savings in the pre- and post-retirement.
An overview of Sustainability Disclosure Requirements (60 minutes)
We explore the principles and considerations to meet sustainability disclosure requirements and qualify for sustainability investment labels
Individual Savings Accounts a guide to ISA investing (45 minutes)
ISAs offer a tax-efficient way to save and invest; find out what they are and how they work
How to invest in bonds (60-minute CPD)
Build your practical knowledge of bonds with insights into how the market works and the different ways to invest. Evaluate the options available and learn how to compare different investments.
Navigating rates (60-minute CPD)
Learn to explain to investors how interest rates are determined, examine the close relationship between interest rates and bonds, and discuss interest rate risk within the context of your investors portfolio.
Bond Basics (60-minute CPD)
If you are new to bonds or looking to refresh your knowledge, Bond Basics is the place to start. It covers the fundamentals including what bonds are, the different types available and how they generate returns for investors.
Is 2024 going to be a Goldilocks scenario for US HY? (45 minutes CPD)
After a strong 2023, the consensus seems to expect the US economy to cool but avoid significant decline. This may present a potential goldilocks scenario for high yield where the higher quality portion of the market could benefit from the stabilization and decline in interest rates, while the lower quality portion of the market could benefit from a stable economy and a slowdown in rising interest expense.
The 7 steps to achieving good tax outcomes (90 mins CPD)
Thursday 15 February, 10am - 11:30am. Arriving at the income tax liability for a UK individual involves working through a 7-step calculation. An understanding of these steps is crucial in forming a strong foundation when planning in many areas from pension tax relief to the tapered annual allowance, the taxation of investments, tax charges and much more.
Columbia Threadneedle Investments: Marketing yourself on LinkedIN
As a social network, users often see LinkedIn as a place where they are advertising themselves to a current or potential employee. For an adviser, it can be seen as a place where you are advertising your credentials, like a digital shopfront. This means that your profile should not necessarily read like an online CV, but rather should be optimised for business generation.
Columbia Threadneedle Investments: Embedding Consumer Duty into your firm's culture
With the implementation of the Consumer Duty (Duty) having taken place on 31 July 2023, firms across UK Financial Services had been focused on delivering on the requirements under the four outcomes; Product & Service, Price & Value, Consumer Understanding and Consumer Support. Concurrently, firms should also be monitoring how their culture aligns with the Duty and how it is integral to the way the firm operates, with the additional necessity to document corresponding processes and show how they ensure positive consumer outcomes.
Register for our upcoming event - Lifetime Allowance
Back in April, we held a record-breaking online event hot on the heels of the Government's announcements in the Spring Budget about the abolishing of the Lifetime Allowance. Over 1,800 advisers joined the session to hear our award-winning Technical Team cover the proposals for 2023/24, which are now law.
An adviser guide to responsible investment (17 minutes)
Were here to help you navigate the regulatory changes around responsible and sustainable investment which will impact what you need to think about and do as an adviser.
Will your clients be paying more tax this year? (45 minutes)
With many allowances now frozen until at least 2025/26, combined with the current inflationary environment, your clients will benefit more than ever from your grasp income tax, national insurance, capital gains tax and inheritance tax as you plan to manage their wealth.
Advising Trustees (90 minutes)
Providing advice to trustees is a different ball game to advising individuals and one of the most commonly asked questions is 'What can the trustees invest in?' While this is a pertinent question that needs answered, the equally important questions of what the trustees should be investing in is often overlooked.
Onshore and Offshore Bonds are they back or have they never been away? (90 minutes)
Onshore and Offshore Insurance Bonds have long been an essential part of the financial planners tool kit. Autumn Statement 2022 has seen renewed interest in the use of bonds in financial planning. Some would say bonds are back!
Segmenting your client base (45 minutes)
The new Consumer Principle at the heart of Consumer Duty requires firms to act to deliver good outcomes for retail customers and details a number of areas to which firms must pay regard. Knowing your clients needs and objectives and communicating with them effectively is key. Learning the principles behind segmenting your client base will help you tailor relevant and personalised communications.
FCA publishes findings of review into fair value assessments
Consumer Duty requires firms to assess whether a product or service provides fair value for a customer. The FCA recently reviewed 14 firms assessment frameworks, sharing its observations with a view to helping other firms when implementing its price and value requirements. The findings set out some suggested areas of focus, including best practice.
Are you ready for Consumer Duty? (60 minutes)
Graham Finlay gives an overview of the Consumer Duty framework, outlines some of the key dates you need to be mindful of and will focus on the main steps you, as a financial advice firm, can take to really get started in understanding and ensuring that you comply with the Consumer Duty once its in regulation.
Cura: The Practical Protection Podcast - Lung Cancer
There are 43k cases of lung cancer diagnosed in the UK each year. When it comes to life insurance, critical illness and income protection there are a lot of considerations given to the survival rate of people diagnosed with lung cancer, as unfortunately only 16% of cases are caught in the early stages.
Cura: Practical Protection Podcast - Economic Abuse
I am talking with Lauren Garrett from the SEA Charity, an organisation that is dedicated to helping people that have experienced economic abuse.
Cura: The Practical Protection Podcast - Pilots Insurance
Pilots have usually looked at loss of license insurance before and this is a good policy, but more and more are starting to see the benefits of income protection as an alternative.
Lifetime Allowance where are we, where are we going and what to do? (90 minutes)
Spring Budget 2023 has meant a seismic change on the pension tax landscape with the intention to remove Lifetime Allowance charges in 2023/24, then completely abolish the Lifetime Allowance from 2024/25.
Trustee duties and responsibilities (50 minutes)
We look at the roles, responsibilities and powers of trustees along with their essential record keeping obligations.
The role of derivatives (62 minutes)
Graham Finlay and Keith Balmer explore the role that derivatives play in traditional portfolio management. First Graham examines the basic characteristics and risks associated with the main types of derivative, with Keith then bringing to life the reasons why they're employed in different investment scenarios.
The five principles behind the sustainable investment labels (45 minutes)
We look into the principles and considerations products must meet to qualify for any of the sustainable investment labels.
Trust Registration Service (TRS) (50 minutes)
Financial Advisers play a key role in supporting lay trustees understand their role in managing trusts efficiently and effectively. We outline why the TRS exists and explore when and how trustees are required to use it.
Reckoning with risk (55 minutes)
Considering how much risk has been taken to achieve investment returns allows us to distinguish returns that have been made largely by taking significant risk versus those made with lower levels of risk. We explain the calculations behind the five main methods of assessing risk-adjusted returns. ?
What are the sustainable investment labels? (45 minutes)
The FCA's proposals on sustainability disclosure requirements (SDR) and investment labels put consumer needs front and centre in their priority to tackle greenwashing. Learn more about the three proposed label categories, together with supporting disclosure requirements.
Cura: Practical Protection Podcast - The Value of Trusts
We have Charlotte Rogers joining us in our latest episode to talk about the value of Trusts. Charlotte has an incredibly moving story to share about how her life was turned upside down by a life insurance policy that wasnt written into Trust.
Future proofing your business for a sale - now or in the future (90 minutes)
Everybody exits! Whether you plan to pass on the reins internally or sell on the open market, your eventual exit and succession should always form part of your business planning.
The cost of dying crisis (45 minutes)
In this webinar, Gregor Sked, Intermediary Development and Technical Manager, considers the implications of not having cover in place and a range of tools and ideas to help clients understand the importance of protecting their home, their family, and their lifestyle.
Tax year end - your top questions answered (60 minutes)
We look at how to solve common tax year issues and answer your frequently asked tax year end questions.
The Business Owner at Tax Year End Questions (90 minutes)
For many business owners, Tax Year End is a time to take stock of their financial years and make final decisions on their remuneration. Many may well have investments held within their business that may need attention.
Practical Protection Podcast - The Tables Are Turned (65 mins CPD)
Hi everyone. I was joined by Alan Knowles for the last episode of the Practical Protection Podcast, I hope you found it useful?
Practical Protection Podcast - CIC Masterclass (40 mins CPD)
Hi everyone. I hope you had a nice Christmas break? Were now back with the last episode of season 6 of the Practical Protection Podcast.
Prudential: Top ten things to think about at Tax Year End
Tax year end is a busy time for the financial planner, so our M&G Wealth Technical team have recorded a series of videos covering better outcomes for clients.