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For the 14th edition of our leading research programme, we asked respondents to share how they feel about the upcoming festive season, their retirement plans, financial knowledge, and their level of debt. We explore the latest takeaways and how they can be used to support adviser conversations.
Over the last three years we’ve been tracking consumer trends across a variety of topics, from personal mental health to financial wellbeing. For the three-year anniversary of our research programme, we look back over how our research has developed since its launch to help you understand both the hopes and concerns of consumers.
On Wednesday, Jeremy Hunt delivered one of the most crucial budgets in recent times. During a period of high inflation, a cost of living crisis and uncertainty in the markets, the Chancellor’s statement was highly anticipated.
On Friday 10 March Silicon Valley Bank (SVB) collapsed. This was met with concern from the US Treasury and Federal Reserve, the UK Treasury, and wider financial markets. Whilst there have been reports that Columbia Threadneedle Investments had exposure to the bank, we can confirm that Smoothed Managed Funds investor exposure is negligible, and clients should not feel any tangible impact.
As many sports fans can attest, the disappointment when your favourite team loses can linger longer than the happiness felt from winning a game. The same can happen when it comes to personal finances. There is a tendency for individuals to prefer avoiding financial losses to acquiring equivalent gains.
In this short note, produced by Columbia Threadneedle Investments, in partnership with LV=, we summarise the reaction to the announcement of the Autumn Statement 2022, and outline what it means for investors in our Smoothed Managed Funds.
In this short note, produced by Columbia Threadneedle Investments, in partnership with LV=, we summarise the reaction to the announcement of the UK's medium-term fiscal plan, and outline what it means for investors in our Smoothed Managed Funds.
Research and due diligence are cornerstones of financial advice, and ensuring the suitability of a product for clients has never been more important.
The results of the latest LV= Wealth and Wellbeing Monitor highlight how the finances of millions of people are feeling the squeeze of the cost of living crisis.
Covid-19 presented a once in a generation event, causing a seismic shift to the finances, needs, and priorities of the UK population. Since the start of the pandemic LV= has been conducting research into the UK population’s financial and wellbeing trends, and publishing our findings in the quarterly Wealth and Wellbeing report.
We seem to talk a lot about risk these days. Whether it’s risk of infection or the risk of investment, that four letter word is high on most peoples’ agenda. Of course, managing risk is nothing new – and as an insurer with a 178-year heritage, risk is a currency we’re pretty familiar with.
Coronavirus has been a huge shock to the UK and our survey of the UK population’s financial confidence, health and attitudes to spending, saving and wellbeing reveals just how worried people are about the future.
A lot of progress has been made professionalising the advice sector with qualifications, examinations and CPD. But we know that people don’t buy based on facts and logic, they buy through emotion – too often we forget that. Selling is an integral ingredient to financial planning, and an absolute essential when it comes to protection and the financial resilience of your clients.
The later life lending sector continues to grow, despite wider inflationary pressures and recession woes. Figures from the Equity Release Council* revealed that total lending reached £1.71bn in Q3 2022. New customer numbers increased by 34% year-on-year, with 13,452 new equity release plans agreed between July and September. These record breaking figures show the shift in the landscape and that lifetime mortgages are now being considered to enhance later life plans, and are no longer perceived as a last resort.