The Innovation Imperative
The level of collective investment focused on transforming the life insurance proposition exceeds anything seen in the last thirty years […]
The Innovation Imperative Read More »
The forgotten advice distribution opportunity
There is no doubt that there are significant shifts occurring in the advice industry: FASEA will see many advisers leave
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4 realistic ideas about pensions disengagement
Member disengagement in workplace pensions is well documented; with similar issues evident in individual pensions, providers need to be smart but realistic in their communications strategy.
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Sizing the DB transfer market
The DB transfer market has been a key new source of retail flows in recent years but is under considerable regulatory pressure. Although run rates are well off their peak, underlying dynamics mean that DB transfers should continue to play an important role in new flows.
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UK wealth value chain is gradually contracting
The UK wealth industry value chain has been resilient over the past decade, despite many changes including rapid growth in AUM, the rise of platforms as a dominant method of distribution to consumers, and access to wholesale or institutional pricing from asset managers.
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The advice gap is dramatically overstated
There have been many ‘Chicken Little-esque’ predictions that the sky is falling in, that FASEA and the fall-out from the Royal Commission will decimate the number of advisers in the industry, creating a large advice gap and preventing many investors who could benefit from advice from being served.
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3 reasons why passive share may top out
The upwards march of passive market share seems unstoppable. But there are reasons to think why, in some institutional segments at least, market-cap passive share may peak soon.
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Reinsurance Broking: Is two too few?
Is two too few? M&A strategies in the primary P&C broking segment often have unintended ramifications upstream. And, on occasion,
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AustralianSuper builds $70m war chest
The last few years have seen AustralianSuper dominate the pensions landscape in Australia, topping the charts in terms of net flows year after year.
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Advice fees but no service: a question of criminal law
The threat to vertical integration has receded but financial advice is under attack. Ongoing fees underwrite the economics of advice, but if services are not delivered, a crime may have been committed.
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