07 Sep 2023

What does it mean to be a co-manufacturer?

Robert Vaudry, Copia Capital Management With the 31 July deadline now a distant memory, you should by now have a firm grip on how the new Consumer Duty regulations impact your business. But one question that I find keeps cropping up from advisers is ‘What are the rules around co-manufacturing?’. The FCA have established three key […]

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31 Aug 2023

Why not all smoothed funds mean smooth sailing for advisers

Nick Henshaw, Head of Intermediary Distribution at Wesleyan The adviser community will have noted that recently there has been a move by more big industry players to make smoothed and with-profits funds easier to access. A greater number of smoothed life and pensions funds are appearing on platforms for use by UK independent financial advisers. […]

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10 Aug 2023

See it. Say it. Sorted. (or else)

Guy Anderson, Director of Retirement Income Distribution, Just Guy Anderson, Director of Retirement Income Distribution, discusses the challenges Consumer Duty is laying at the door of retail investment platforms in ensuring good outcomes for their retirement income customers. I know many of us are using the trains less than we were pre-pandemic. However, you would’ve […]

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10 Aug 2023

Where to find value in current markets

Joanne Benson, Head of Investments, Copia Capital After a positive first quarter, investors grappled with a range of macroeconomic factors, resulting in mixed asset returns in Q2. Q2 review Broadly speaking, equities continued the upward trend we saw in quarter one. Sterling investors saw a 5% increase in global equity returns during the quarter, with […]

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26 Jul 2023

New platform. New name. New possibilities. 

Welcome to Wealthtime Classic Patrick Mill, Wealthtime CEO After months of hard work, we’ve hit the switch and become Wealthtime Classic! It’s time to enjoy a new platform and new possibilities for you and your clients. What’s changed?Take a look when you get a chance. You’ll find a refreshed and revitalised website and a new […]

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14 Jul 2023

Cash vs. investing: The pros and cons in plain English

Nick Henshaw, Head of Intermediary Distribution at Wesleyan I’ve been concerned to hear on the grapevine that investors are pulling significant amounts of money out of their stocks and shares ISAs. They aren’t doing this because they need ready cash to combat the high cost of living. In fact, their main motivation is fear. That […]

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14 Jul 2023

Taking a scientific approach to managing risk

Robert Vaudry, Managing Director, Copia Capital When it comes to managing investments for clients, our goal is usually to construct portfolios across the risk-return spectrum that generate real returns that outpace inflation for those in accumulation and deliver certainty of outcome for those in decumulation. We believe that asset allocation, rather than stock selection, is […]

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08 Jun 2023

Why decumulation needs a different approach to accumulation

Tony Hicks, Head of Sales, Copia Capital People in retirement face more challenges today than ever before when it comes to planning for retirement. The decline of final salary pension schemes and the rise in market-reliant defined contribution schemes, increased life expectancy and pension freedoms have made retirement planning considerably more complex. Retirees also face […]

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08 Jun 2023

If we measure the wrong thing…

Guy Anderson, Director of Retirement Income Distribution, Just “What we measure affects what we do. If we measure the wrong thing, we will do the wrong thing. If we don’t measure something, it becomes neglected, as if the problem didn’t exist” [1] When it comes to retail investment customers and the regulated financial planning that […]

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