Money
PHP joins key South African stock exchange
The group has been included in the FTSE/JSE All Share index and All Property index.
The post PHP joins key South African stock exchange appeared first on Property Week.
Money
Premier Miton hires ex-Quilter director as COO
Premier Miton has appointed Nicola Stronach as its new chief operating officer (COO).
Stronach’s role covers the overall management of Premier Miton’s risk, operations, compliance and legal teams, as well as relations with regulators and third-party strategic relationships.
She is also a member of the senior management team responsible for the strategic direction of Premier Miton.
Previously she was director of operations at Quilter and director – investment operations at Credit Suisse. She has also worked for Old Mutual Global Investors and BNY Mellon.
She has over 25 years of experience in the asset management industry.
Premier Miton chief executive officer Mike O’Shea said: “We are delighted to welcome Nicola to Premier Miton Investors.
“Nicola’s wealth of asset management experience and operational and regulatory expertise will be invaluable to the firm as we continue to strengthen our existing UK distribution, offer strategies for institutional distribution, and develop our international growth ambitions.
“This is an exciting time for the business and Nicola will play a pivotal role within the senior leadership team that drives the implementation of our strategic goals.”
Stronach added: “I am extremely excited to join the fantastic team at Premier Miton Investors. The firm has continued to build a strong asset management business with excellent performance and client service.
“The quality of what they do across the board is the reason I joined, and I look forward to continuing to build and deliver on their ambitions as well as keeping a strong regulatory framework and customer focus.”
In January 2024, Premier Miton Group completed the acquisition of Tellworth Investments, which was first announced on 1 November 2023.
The acquisition expanded Premier Miton’s offering with the addition of long/short strategies, further strengthens the existing UK equity franchise and offers strategies with potential for institutional distribution, building on Premier Miton’s developing presence in that market.
Money
Nest forms £1bn BTR investment platform with L&G and PGGM
Initially backed by £350m of combined investment, the new partnership will build on L&G and PGGM’s existing joint venture with Nest, which manages £43bn of assets on behalf of a third of the UK workforce.
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Money
7IM enhances platform with ZeroKey integration
7IM has upgraded its platofrm tools and functionality following feedback from advisers and clients.
The enhancements include the integration of software from ZeroKey, a web-app that enables advisers to transfer client data from their own tech stacks into 7IM’s illustrations and application tools.
This eliminates the need for advisers to manually re-key data, saving them valuable time.
The web extension also enables advisers to easily access their clients’ data, allowing them to move it to wherever they need to.
7IM said the upgrade is part of a multimillion-pound and multi-year investment into its proprietary technology and commitment to providing unrivalled service to advisers and clients.
It has also expanded its investment range with the addition of the Standard Life International Bond to the list of bond providers available on its platform.
This provides an open architecture wrapper giving advisers the freedom to manage their clients’ investments without being tied to a particular platform.
Last week, 7IM introduced Brooks Macdonald as a new DFM partner through the Retirement Income Solution (RIS) available on its platform.
Two new fund ranges will provide advisers with more flexibility as part of their centralised retirement proposition as well as offering clients greater choice through their retirement plans.
Russell Lancaster, MD platform and intermediary partnerships at 7IM, said: “As part of our ongoing conversations with advisers, we are aware of their frustrations such as a lack of integration between technology and this being a major cause of inefficiency in their businesses.
“We continue to listen and are actively addressing these pinch points by investing in technology to make their lives easier.
“We know that we must constantly evolve what we offer in line with adviser and clients’ needs if we are to realise our ambitious growth plans.”
Money
Advisers see AI as the best investment opportunity for the next 24 months
The majority of financial advisers (71%) see Artificial intelligence (AI) as the best investment opportunity for the next 12 to 24 months.
This is according to Capital Group research, which also found 13% believe the energy transition, 9% healthcare innovation and 6% evolving globalisation to be the best investment opportunity.
Capital Group investment director Steven Smith said: “AI has the potential to be the new tech mega cycle disruptor.”
Smith explained that mega cycles “tend to happen every 10 years”.
Additionally, 56% have confidence in investing in equities over the next 12 months and 58% expect their clients will increase the amount they invest.
Clients are more confident investing in the UK (58%) compared to globally (37%), emerging markets (36%) and Europe (29%).
This research comes as Capital Group has unveiled its flagship global equity strategy as an Open-Ended Investment Company (OEIC) in the UK.
The launch of the New Perspective Fund (NPF UK) can enable UK investors to “capitalise on extensive transformational changes in the world economy” with over 60% of UK financial intermediaries agree are occurring.
Intermediaries can be independent financial advisers or mortgage brokers.
Capital Group said: “NPF UK is based on a time-tested strategy built for an evolving world. It employs bottom-up research to identify and invest in multinational companies we believe offer strong growth opportunities and resilience capable of driving and benefiting from global change.”
Capital Group head of UK financial intermediaries Chris Miles added: “Our research shows that 70% of intermediaries consider it difficult to find an equity fund that can demonstrate its ability to invest through market cycles and periods of uncertainty.
“At Capital Group, we are dedicated to ensuring UK intermediaries have access to durable, time-tested investment strategies in their quest to achieve their clients’ long-term financial goals, and we believe the launch of New Perspective OEIC fund, based on a strategy with a 51-year history, could fill that gap.”
Capital Group was formed in 1931 and is one of the world’s largest investment management organisations, with over £2.1trn in asset under management.
To obtain these results, Capital Group commissioned Research in Finance to conduct an online survey of 205 advisers.
Money
The Morning Briefing: Advisers see AI as the best investment opportunity; why do black and ethnic minorities feel excluded from advice?
Good morning and welcome to your Morning Briefing for Monday 23 September 2024. To get this in your inbox every morning click here.
Advisers see AI as the best investment opportunity
The majority of financial advisers (71%) see Artificial intelligence (AI) as the best investment opportunity for the next 12 to 24 months.
This is according to Capital Group research, which also found 13% believe the energy transition, 9% healthcare innovation and 6% evolving globalisation to be the best investment opportunity.
Why do black and ethnic minorities feel excluded from advice?
For those in a minority, it can be difficult for your voice to be heard and your views to carry weight. Even if the majority group listens, it is not easy for its members to stop seeing the world as they do and start seeing it through your eyes.
This is always the problem when the predominantly white financial advice profession tries to tackle the lack of ethnic diversity within its ranks and client base.
Quote Of The Day
It’s been a lacklustre start to the week for the internationally focused FTSE 100, despite extra stimulus for China’s economy.
– Hargreaves Lansdown head of money and markets Susannah Streeter
Stat Attack
A new study from New Horizon Aircraft has revealed what small and micro-cap fund managers in the US, Canada, Europe, the Middle East and Asia predict the Federal Reserve will do in the remainder of the year in relation to rate cuts.
75%
are predicting further rate cuts from the Federal Reserve this year after it cut interest rates on 18 September for the first time in four years.
99%
expect the US economy during 2024 and 2025 to provide a more favourable foundation for micro and small cap valuations.
89%
believe the Fed will achieve its target of 2% by Q2 2025 with current inflation in the US at 2.5%.
99%
of fund managers expect micro and small-caps to deliver strong returns over the next 12 months.
Source: New Horizon Aircraft
In Other News
Legal & General Home Finance has launched a Video Support Hub on its website, offering financial advisers “informative and easy-to-access” video guides on Legal & General’s lending criteria to help them support their clients.
The hub provides advisers with short clips on a range of topics associated with Legal & General’s lifetime mortgage products.
Video guides on the hub cover various topics including estimating property values, help with legal process requirements, and lending criteria around a property’s construction and its proximity to commercial buildings. Videos on additional topics will be added to the hub following its launch.
Legal & General Home Finance distribution director David G Jones said: “We’re always listening to adviser feedback to improve their experience. That is why we are delighted to launch the Video Support Hub; a platform that signifies our commitment to empowering financial advisers with the tools they need for success. The informative guides on our lending criteria are designed to help streamline their client application processes and support customer needs.”
Bitcoin jumps to one-month high and yen grinds even lower (Reuters)
Rachel Reeves to rule out return to austerity after gloomy rhetoric draws criticism (Financial Times)
Fifty pubs a month shut in first half of year in England and Wales, figures show (Guardian)
Did You See?
The investment sector has welcomed the news that that cost disclosure requirements for investment trusts will be temporarily banned.
The announcement, by the Treasury and the Financial Conduct Authority on 20 September, comes following years of investment companies calling for change.
These rules were inherited by the European Union (EU) and made it appear that investment trusts were more costly to put money into than they were.
This is because the disclosure rule requires trusts to publish the costs of financing, operating and maintaining real assets.
However, many of these costs are already published in regular company updates and reflected in the value of the share price for all investment companies.
This created a “double counting of costs”, which investment trusts have long been saying has put investors off.
Although £15bn of new money went into investment trusts in 2021 alone, it is estimated the double counting rule was seeing £7bn a year in income being lost.
The Treasury said it will lay out legislation to provide the FCA with the appropriate powers to deliver reform – the new Consumer Composite Investments (CCI) regime.
It said the new CCI regime will deliver more tailored and flexible rules to “address concerns across industry with current disclosure requirements, including for costs”.
Money
Why do black and ethnic minorities feel excluded from advice?
For those in a minority, it can be difficult for your voice to be heard and your views to carry weight. Even if the majority group listens, it is not easy for its members to stop seeing the world as they do and start seeing it through your eyes.
This is always the problem when the predominantly white financial advice profession tries to tackle the lack of ethnic diversity within its ranks and client base.
It sets up diversity, equity and inclusion (DE&I) committees and says its doors are open to everybody. Yet the same kinds of people tend to walk through. Why is that?
Legacy issues
It was not until the Race Relations Act 1965 that legislation made some forms of racism an offence. Even in the more progressive 1960s, certain businesses were refusing to serve people or overcharging them based on the colour of their skin.
Cultural values towards credit play a significant role in how individuals navigate the financial system
Black and ethnic-minority families have not had the same access to products and services that others have taken for granted, which has had repercussions.
“People of colour historically have not had the opportunity to build wealth over the generations, so the financial system hasn’t been designed for them,” says Tynah Matembe, founder of MoneyMatiX Financial Education and host of the ‘Grow Your Money’ podcast.
“Systems that are discriminatory should be named and shamed, while affordable and innovative banking and financial services should be promoted.”
Not surprisingly, research still highlights disparities between the finances of black and ethnic minorities and those of their white counterparts.
Earlier this year, Scottish Widows reported 14% of black women and 15% of Asian women were opting out of pensions, compared to 5% of white women. Reasons given by black and Asian women included a lack of trust, affordability and preferring to save money in other ways.
Belvedere Wealth Management senior partner Emmanuel Asuquo — who appears on TV as a financial expert for Channel 4 — suggests cultural reasons may also play a part.
It could be that black and Asian families have followed traditional gender roles — where men were breadwinners and women the homemakers — for longer than white families. But this is changing, with black and Asian women now more likely to work.
We need to make a concerted effort to diversify how we push products out, making them truly inclusive
“Only now are they realising that one income isn’t enough,” says Asuquo. “I think the pension situation will change over time.”
The Scottish Widows research also found that black and Asian women were more likely than white women to have multiple jobs, which probably indicates those jobs were low paid.
A cultural lens
Different cultural values are not always easy to navigate. Credit plays a big part in UK financial services, where people routinely borrow money to buy houses or cars, start businesses and so on. But credit can be tricky for some black and Asian people to understand due to cultural differences, which can lead to them being ‘locked out’ of financial services.
It sounds simplistic, but a lot of the problem stems from a lack of representation in the workforce. We need inclusive policies and recruitment practices
“Advisers would do well to consider how cultural values towards credit play a significant role in how individuals navigate the financial system,” says Matembe.
“For many people from cash-based economies or backgrounds, where credit is viewed with suspicion, the concept of using debt strategically can be quite foreign and even intimidating.”
Asuquo, whose parents came from Nigeria, says that, when people in Nigeria want to buy a house, they purchase the land and employ builders to build on it.
“It’s the same in the Caribbean — people don’t take out mortgages,” he says. “But, when they come to the UK, nobody tells them how it works. So, they either learn by their mistakes or assume they can’t do it and focus on buying land at home.”
Often, they end up with a home they plan to retire to, but never do as they develop ties in the UK.
When people see others from similar backgrounds using credit responsibly and successfully to build wealth, it can help shift perceptions
“If you feel you belong, you can set down roots,” observes Asuquo.
“You’d be happy to buy a house and open an Isa.”
Matembe agrees that the issue is not just about access to credit — which can be difficult for minorities to obtain. It is also about reshaping mindsets and educating people on how to use credit responsibly “with a cultural lens”.
She says: “For many, the avoidance of debt is rooted in a desire for financial security, and changing these ingrained values requires a thoughtful approach. Tailored financial education programmes that consider cultural contexts and historical disadvantages will help bridge the knowledge gap.”
Matembe suggests combining this with examples of lived experiences and success stories from within the community.
For many people from cash-based economies or backgrounds, the concept of using debt strategically can be quite foreign and even intimidating
“When people see others from similar backgrounds using credit responsibly and successfully to build wealth — whether through homeownership, education or entrepreneurship — it can help shift perceptions,” she says.
A representative profession
A recent study from Mannheim Business School in Germany, looking at gender stereotypes in financial advertisements, briefly touched on ethnicity. It found that 74% of the main figures in the ads were white, with ethnic minorities more likely to be shown in low-status, low-expertise positions.
Although ads are not real life, they shape people’s thinking about financial services. As Asuquo says, “Seeing is believing.”
He adds: “If I go on a website and I don’t see people who look like me, I’m going to think this is not for me.”
Even if an adviser’s client base is predominantly white men, their website can depict a more diverse range of people to show that the adviser is welcoming and inclusive, suggests Asuquo.
Systems that are discriminatory should be named and shamed, while affordable and innovative banking and financial services should be promoted
Others agree with his views.
Equilibrium Financial Planning head of best practice Sarah Hammond says: “A diverse workforce can help to build trust and ensure products and services are designed with a broader range of needs in mind.”
As a black woman working in fintech, Whitney Simon, head of DE&I consulting at technology PR and communications firm Missive, concurs.
“To make financial services more inclusive, we need to create access for black and ethnic-minority professionals in product development and the organisations themselves,” she says.
“It sounds simplistic, but a lot of the problem stems from a lack of representation in the workforce. We need inclusive policies and recruitment practices.”
Simon also points out there can be inherent bias in systems, with financial products seeming to be tested by the same groups.
People of colour historically have not had the opportunity to build wealth over the generations, so the financial system hasn’t been designed for them
“We need to make a concerted effort to diversify how we push products out, making them truly inclusive,” she says.
“The more diverse voices we have in the room, the more inclusive our products and services will be. It’s not rocket science, but it does require intentional effort and commitment.”
This is echoed by Matembe.
“More people of colour are needed in decision-making roles to ensure diverse perspectives are included in policy and product development,” she says.
Concrete action
Raising awareness of the need for ethnic diversity in financial services is all very well but commentators want to see concrete action.
The more diverse voices we have in the room, the more inclusive our products and services will be
“It is essential for the government to appoint a financial inclusion expert to lead the strategy and to advise on and develop policies with a focus on the needs of people of colour,” says Matembe.
“However, it’s not solely the government’s responsibility. Financial institutions, regulatory bodies and community organisations must collaborate to drive meaningful progress.”
This article featured in the September 2024 edition of Money Marketing.
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