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Wealth continues to be a hot topic of conversation in the UK. Whether it is asset managers, financial advisers or the general public there has been an unwavering demand to understand this stratum of investors. While the mass market is counting the pennies, the press (and consequently the general public) has become obsessed with how the wealthy live out their lives in a vacuum away from the wider global financial concerns. The report compares HNW investors to less affluent investors in terms of their investment knowledge, goals and main concerns in 2013. The risk/return approach and the interaction with financial advisers by both segments are also covered which unveils what makes the typical HNW investor tick.
Investment trusts are often overlooked collective investment vehicles that could play a vital role in an investment portfolio. This research report aims to reveal the impediments are more likely to be based on a psychological bias that often acts as an entry barrier before even any consideration is made of the evidence for investment trusts and that in fact, some of the ‘negative issues’ can actually become advantages for investment trusts. Moreover, this paper purports that claims of limited access to investment trusts is a somewhat exaggerated issue and rather the biggest drag is found somewhere between adviser and investor. read more
Regulatory change, fierce competition and the shifting demands of the market all combine to impact on the cost, income and general viability of platforms. As a result platforms are requiring even greater scale in order to thrive, along with cost effective maintenance and (where possible) value-adding effective enhancements. This annual syndicated study aims to deliver key insights to administration providers on the shifting demands of independent financial advisers (IFAs) with an array of empirical data that identifies developing trends in the market. read more
The purpose behind i-Sight is to provide an innovative and leading tool for the enhanced understanding of Britain’s millions of retail investors. It is a leading information service and provides insight to assist businesses in assessing likely investor behaviour over a given period. The research is a data tracker of decision-making factors among Britain’s retail investor sector and covers 28 different investment types allowing investment companies to track levels of specific fund appeal over rolling six-month periods. The respondents are distributed across five key wealth segments, six key age demographics and sex read more
With the onset of high national debt levels, slow economic growth at home and uncertain global markets, more people begin to realise the importance of managing their future savings plans. The central importance of fund investments and adviser services in achieving these goals become more apparent as individuals become more aware that they will be unable to live well on basic savings and state pensions. The Grassroots Distribution Report analyses data on adviser use and demographic characteristics of a large sample of individuals across the United Kingdom to provide a ‘map’ of where adviser use is most prevalent, and where it may be increasing or declining over the next few years. read more
With RDR I now behind them, advisers and product providers are coming to terms with the new regime and the various related changes to business life. The industry now turns its attention to RDR II with the seemingly final nail in the coffin for rebates, the deadline for 2016 to cease trail commission, and the raging debate over the merits of super clean share classes and preferential pricing deals. The report examines the relationship between demographic change and the increased use of technology in researching, purchasing and managing financial products, as well as the distribution of investment products, particularly the demand for financial advisory services. read more
An analysis of buyer behaviour in the insurance and mortgage markets is useful to ensure that companies can efficiently capture consumers’ attention, and are still meeting their needs in light of recent market changes. This report looks at the insurance and mortgage markets, and aims to better understand consumer behaviour in these markets to provide insight which can be used by providers to find and make the most of available opportunities. Survey respondents were queried on their ownership of financial products, use of advisers and how they shopped for insurance and mortgages. read more
The continued cost and regulatory pressures from the implementation of the Retail Distribution Review are continuing to hit the IFA market. According to recent figures, the number of advisers has fallen by 20 per cent following its introduction, with around 20,000 remaining in the UK. This report will outline core discretionary manager considerations such as investment philosophy and their core proposition as a business. Tools and metrics DFMs use to identify strategy are highlighted and current asset allocation splits are also estimated. read more
Traditionally the Cash ISA has been the more favoured vehicle compared to its Stocks and Shares ISA sibling. However with Cash rates in the doldrums and confidence returning to equity markets, 2013 is likely to herald a closing of the gap between those who hold the former versus the latter. This research is based on primary attitudinal data gathered as part of an annual study into the UK’s ISA market – covering both Cash and Stocks and Shares ISAs. This year the story is all about the opportunities in the S&Ss ISA market! read more
As the Baby Boomer generation reaches retirement age, the United Kingdom faces a major demographic, economic and social challenge as its largest age cohort cease working and begin drawing on their pension pots and other benefits accrued during their working life. This research use primary data to assess expected pension shortfalls among various segments of the Baby Boomer generation and models the benefits of both remaining actively invested post the standard retirement age and also extending one’s working life. read more