Industry news and views from Panacea and our partners.
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FundsNetwork: Pensions and divorce - a technical guide
From earmarking orders, to pension sharing, lifetime allowance considerations and offsetting, FundsNetwork's Pensions and divorce guide covers the important technical details.
Royal London: Industry needs to do more to tackle misconceptions around protection
Commenting on the ONSs Wealth and Assets Survey which found that 48% of people aged 16 to 24 said that they would not be able to make ends meet for longer than one month if they lost the main source of income coming into their household.
PFS issue new pension transfer good practice guide
The Personal Finance Society have issued an updated good practice guide covering transfers from defined benefit to defined contribution pension schemes
Royal London: State of the Protection Nation 2018
Our second State of the Protection Nationreport is now available to download.
Royal London: Why it can be worth getting to grips with the new state pension
When the new state pension was introduced in 2016, the goal was to create a much simpler system. When the new scheme is fully up and running, people who have a combination of paid National Insurance contributions and/or NI credits for 35 years of their working life will get the full flat rate pension, currently worth a little over £8,500 per year .
FundsNetwork: The State Pension a technical guide
The State Pension is an important consideration when managing a clients overall income in retirement. However, entitlement and the amount due will depend on a number of client-specific factors. Whats more, the State Pension changed on 6 April 2016 and different rules apply depending on when a person reaches State Pension age. In this newly released guide, FundsNetwork examine the differences between the old and new State Pensions and the options open to clients should they wish to boost their entitlement or defer their State Pension.
FundsNetwork: Help your client reap the benefits of tax efficient savings
FundsNetworks guide to pension and ISA allowances provides your clients with the key tax information they need so they can make the most of their annual allowances. To assist them in maximising their savings, you can find this guide in both the pension and ISA sections of our tax year end support zone.
MiFID II - the difficult second album?
With MiFID II dropping on 3 January 2018, we're beginning to see a flurry of activity across the industry. Will the resulting implementation deliver all that is promised or will it be that difficult second album?
Utmostwealth solutions: Quick guide to trusts
Hot off the press! Quick guide to Trusts sales aid which addresses the common misconceptions and issues faced by a trustee. To download this sales aid click the link. For further details on our professional trust company please contact your Regional Sales Manager or email sales@utmostwealth.com More great technical content is available via our uTECH site.
A suggested seven-step guide to DFM due diligence
The guide provides you with an end-to-end process for conducting DFM due diligence and enables you to compare all firms in Defaqtos Matrix database on a like-for-like basis. Now in its 7th edition, the guide has been endorsed by Rory Percival, former Technical Specialist at the FCA, as spot on.
Legg Mason: Ken Leech
Until recently, the market consensus was one of secular stagnation, predicting anemic growth for the indefinite. Today, the prevailing theme is global reflation, calling for synchronized global growth that will lead to self-sustaining recoveries around the world. Western Asset has a different view.
Legg Mason: Global Investment Survey
The Legg Mason Global Investment Survey has been taking the pulse of investors worldwide for the past five years. Our goal is to better understand investors' hopes and fears, their financial dreams and realities, as well as what is influencing their behaviour - from the Global Financial Crisis to changing technology.
Legg Mason: Around the Curve Blog
Investments in Argentine debt have performed well over the past year as the macroeconomic policy mix shifts in the right direction. However, given the sovereigns history of frequent defaults, we and other market participants understandably spend a lot of time thinking about what could go wrong.
Prudential: Billy Burrows Retirement is a journey, not an event
Prudential recently commissioned an interactive guide with Billy Burrows, Director of Retirement IQ, focussing on the four key stages of retirement.
New CPD content from Prudential supports adviser development
Prudential has enhanced its CPD support for advisers with the accreditation of some of its PruConsulting business guides.
New Software Survey and Analysis from across the pond
The technology options for professional financial planners and advisors are evolving at a dizzyingly rapid rate. Every week, we see new options, new integrations, and ever-more-powerful features. Even the most basic questions are being turned on their heads.
James Hay: Joint General Investment Accounts
There are a number of reasons why a joint General Investment Account (GIA) may be unattractive to high net worth couples. Failure to take these into account could prove costly.
James Hay: The lifetime allowance charge - a clear choice
The legislation to bring into being the new standard lifetime allowance (SLA) of £1m is part of the Finance Bill currently working its way through parliament.
James Hay: Tapered Annual Allowance and Planning Considerations
This Tech Talk provides insight into the challenges facing advisers as they endeavour to ensure that pension planning for their high net worth clients remains tax efficient.
FundsNetwork: Pension lifetime allowance client guide
FundsNetworks new guide can help aid discussions with your clients on the pension lifetime allowance.
FinalytiQ: Guide to Platform Profitability
The guide is a detailed analysis of the profitability of advised platforms over the last 4 years. It covers 23 major adviser platforms, who together account for more 90% of the total AUA in the adviser market.
FundsNetworks new retirement guides for use with your clients
With greater flexibility in how clients can approach their pension savings, FundsNetwork have added three new guides to their website to aid your discussions with clients about pensions and retirement options. You'll find information on how to save more into a pension with carry forward, tapered annual pension allowances and how clients can make pension tax relief work for them.
Prudential commissions independent guides to help meet adviser due diligence requirements
Prudential has commissioned four new guides from two expert independent research companies, Defaqto and AKG, to support financial advisers in meeting their due diligence requirements.
BNY Mellon: Fixed Income: which way next?
Despite ongoing volatility, global monetary policy divergence and market uncertainty, many investment managers continue to see strong potential and strategic value in fixed income in 2016.
Unbiased.co.uk - The Advice Nation launches soon!
For the keenest insights into the UK's financial advice market, you need this new report by unbiased.co.uk and Opinium.
Unum: How to make social media work for financial advisers
Unum: How to make social media work for financial advisers
Canada Life: Taking a tax efficient retirement income - a guide for paraplanners
With the introduction of the new pension freedoms, the flexibilities that were only afforded to a few are now available to all and where the majority of clients historically went down the annuity route, now many more will be looking to fully explore all the options now available to them.
Engage Insight: New pension rules - Runway to Retirement research paper
This research paper focuses on 135 high net worth pension investors and the impact of the new pension freedom rules on their retirement journey.
Hodge Lifetime Intermediary guide for the Retirement Mortgage
The Retirement Mortgage from Hodge Lifetime has filled the gap between the residential mortgage market and the traditional roll up equity release market.
Scottish Widows: All the tax changes, in a handy guide
Following the Budget Announcements in March, we have updated our Tax Facts booklet for 2015/2016. Tax Facts is a useful tool which can be used as a quick reference guide to check the revised tax rates and reliefs for the 2015/2016 tax year.
Free guide to investing in retirement age available from AILO
The Association of International Life Offices (AILO) offers a free guide to help those of retirement age make decisions about how to use an established pension pot.
Hodge Lifetime welfare benefit guide 2015-2016
When assessing your customers requirements for borrowing in retirement, it is important to check whether any benefits will be affected by your recommendation.
Fund manager insights from Aberdeens inaugural UK wholesale Investment Conference
In February, Aberdeen hosted their inaugural UK wholesale investment conference which brought together Aberdeen's senior investment professionals with leading fund selectors, researchers, CIOs and key influencers.
Finalytiq: Pound Cost Ravaging: Volatility Drag, Sequencing Risk and Safe Withdrawal Strategy In Retirement Portfolios
I'm beyond thrilled to send you a copy of our new white paper Pound Cost Ravaging: Understanding Volatility Drag, Sequencing Risk and Safe Withdrawal Strategy In Retirement Portfolios.
Finalytiq: Pound Cost Ravaging: Volatility Drag, Sequencing Risk and Safe Withdrawal Strategy In Retirement Portfolios
I'm beyond thrilled to send you a copy of our new white paper Pound Cost Ravaging: Understanding Volatility Drag, Sequencing Risk and Safe Withdrawal Strategy In Retirement Portfolios.
Mixed investment 20-60% shares sector tops bestsellers list for 2014, FundsNetwork reveals
Volatility in global markets saw investors look for a more diversified portfolio as the Mixed Investment 20-60% Shares sector topped the bestsellers overall in 2014, according to FundsNetwork year-end sales data.
Aviva: Shape and investment process to suit your clients
Taking into account the needs of your client base, youll want to assess where you fit on the scale, from picking the funds yourself right through to outsourcing to specialists. Our new paper on delivering investment processes gives you a rounded view of the options available and tips on what to consider when youre making your decisions.
FCA Thematic Review - Annuities Sales Practices
The FCA states that annuities are an important product for the retirement market and that people with average sized pension pots are well served by the right annuity purchased via the Open Market Option relative to alternative drawdown strategies. This is particularly appropriate for clients with a low appetite for risk.
Royal London: Welcome to the new era of retirement planning
As you know retirement is changing. Ned Cazalet has written an in-depth paper, When Im 64, detailing the changes and the impact of these changes on your clients.