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Often quirky, often thought provoking, often just about the use of some foresight and plain, simple common sense in a highly regulated industry that sometimes needs a big dose of it. 

Here is our top 10 commentaries for 2018. Enjoy. 

This our last Bento for 2018. From all of us at Panacea, we wish you a happy, prosperous and successful 2019.
 
 
 
 
 
 
 
 
 
 
 

Arthur’s thought for the day: "You make contact with your customer. Understand their needs. And then flog them something they could well do without.”

I think this may be what one senior figure at the FCA’s perception of financial services sales ‘persons’ is?


 
 
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The Financial Ombudsman service announced, on the 16th October, it was proposing that on 1 April 2019, yes, now just 4 months away, “the ombudsman service’s £150,000 award limit should increase by 133% to:

 
 
 
 
 
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There aren’t that many true bona fide geniuses, past or present, but Albert Einstein was certainly in that category.

Apart from his work in the field of physics his insight and clarity into how the human mind works were extraordinary too.

 
 
   
 
 
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The Financial Ombudsman service announced, on the 16th October, it is proposing that on 1 April 2019, yes, just 5 months away, “the ombudsman service’s £150,000 award limit should increase by 133% to:

 
 
   
 
 
 
 
 
 
 
What a Corbyn-led government could mean for investors?

Whether you’re chanting it from a tent in Glastonbury or howling it at Radio 4 indespair, the name Jeremy Corbyn tends to incite some rather impassioned reactions.

 
 
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Once RDR delivered the drop in the availability of financial advice that so many of us predicted, the Treasury came up with the Financial Advice Markets Review (FAMR).

 
 
 
 
 
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The state pension system in the UK has undergone a series of changes since it was introduced in its modern form after the Second World War.  Some of the biggest changes have been around the addition of earnings-related elements on top of the basic pension.
 
 
   
 
 
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The General Data Protection Regulation (GDPR) comes into force on 25 May 2018 and will govern the use of personal information throughout the European Union.  It replaces the EU's Data Protection Directive and the UK's Data Protection Act 1998.
 
 
   
 
 
 
 
 
 
 
Well over 20 years ago, back when I was an adviser, I had a brilliant yet unintended lesson from a far more experienced adviser.

A client of mine had a rather large pension pot (he was a successful futures trader back in the days when there was a real trading pit) and wanted some advice on what he could to do with it.

Because I was not yet qualified to give the advice, I had to take along another adviser who was. This guy had literally every qualification it was possible to have.

 
 
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"The regulator has found concerns over value for money in drawdown, including significant variance in charges, which can be complex, opaque or tough to compare, so has set out plans to force firms to show a one-year charge figure in pounds and pence in the key features illustration they provide to consumers".
 
 
 
Wealth & money management awards
*Community facts provided by Equifax Touchstone. Q3 2017
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