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CoreData’s Digital Intimacy Report finds people are more likely to take action when allowed to experience the brand on their terms and not have messages pushed onto them. A quarter’s response to online marketing depends on how much they trust the brand in question.

Stocks and shares Isa ownership among women is low. If levels of stocks and shares (S&S) Isas are brought in line with those of males, the industry could see an estimated pot of £8.83bn flowing into these products.

24.5% of people were primarily motivated to start thinking about estate planning by starting a family, 23.1% claimed they had simply reached a certain age, and 14.3% were encouraged to think about estate planning by financial advisers.

28.8% of women and 14.3% of men claim their most trusted adviser on estate planning issues is a family friend.

25.0% of 45-54 year olds and 33.3% of 65-74 year olds say they openly discuss wealth in their families, as well as 61.5% of the 35-44 age group.

Investors believe UK and European shares will dominate the first half of 2014, with sentiment shifting heavily in their favour at the expense of both emerging and frontier markets.


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UK Investor Demand

September 2017

UK investors are adopting a “safety-first” approach amid ongoing political and economic uncertainties following the Brexit vote. A majority of investors (60%) say fear of losing money due to market volatility has an impact on the level of investments or savings they make.

Further highlighting this risk-averse mentality, more than six in 10 investors (63%) are not eager to make up for past losses if it means taking on more risk. A similar majority (65%) say they would choose safety over performance.

This cautious mindset, however, is less pronounced among investors with a financial adviser — suggesting advisers are encouraging clients to take on a certain degree of risk in hopes of achieving their desired returns.

Within the fund universe, equity strategies are dominant. The most prevalent reason for the appeal of UK equities is their ability to provide better returns, cited by 41% of investors. This figure increases to 48% for advised investors, indicating a degree of bullishness on behalf of this group.

Meanwhile, investors overall are becoming increasingly independent and autonomous. The overwhelming majority of respondents (93%) say their instincts influence their investment decisions — compared to just 63% who say professional advice influences their decisions. Indeed, a higher proportion of respondents (81%) will turn to the media before that of a financial adviser. And nearly all respondents (95%) say online research influences their investment decisions.

This gung-ho attitude is symptomatic of the current post-truth environment; Professional advice is often being rejected in favour of personal ‘research’ – usually conducted over the internet. This indicates a significant opportunity for players in the market to make reliable source material available to these self-styled investors

Investors’ go-it-alone mentality is also evidenced by the trend toward automated and online investing, with nearly half of respondents investing via online brokers and just a fifth through advisers. The cost dynamic could help explain this — nine out of 10 investors (89%) say fees and expenses influence their investment decisions.

A picture is emerging of the UK investor as a a cost-conscious, technologically-inclined individual with a preference for making his or her own investment decisions using online research and other information.

Advised investors are more likely to be influenced by the media, friends, family and co-workers when making investment decisions. This behavioural trait underscores how investors who appoint advisers want to be guided and have access to a range of opinions and information resources.

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