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Home > Business/Finance > Financial Services > Financial Management
Saving for Retirement in the UK 2001
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| Published Date:
July 2001
Published By:
Datamonitor
Page Count:
215
Order Code:
R313-0038
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Introduction
What is this report about?
Who is the target reader?
How to use this report
Market Context
Introduction
Key findings
Legislative background
Pensions reform started under the Thatcher and Major governments
SIPPs (Self Invested Personal Pensions)
Introduction of the ISA
Partnership in pensions
Stakeholder pensions
The Pension credit - finally a retirement carrot for the stick
SIPPs and stakeholder pensions
Individual Pension Accounts (IPAs) - the pension-ISA?
Britain's demographic timebomb is ticking away
Total retirement savings market
Total individual life and pensions market
Annual premium pension products
Single premium pension products
Single life
Reirement income provision
Pension annuities
Income drawdown
Occupational pensions
Regular premium group pensions
Single premium group pensions
Distribution analysis of retirement savings
Total individual life and pensions
Annual pensions
Single pensions
Single life
Retail investment products
ISAs
Unit trusts
Investment trusts
Customer Focus
Introduction
Key findings
Definition of the customer in the retirement savings market
Consumers in the long-term savings market
Type of products held
Source of long-term savings information
Personal pension switchers in the first two years
Unit trust switchers in the first two years
Key issues in retirement savings market
Compulsion - the only way to get people saving for retirement?
Polarization changes
The future of annuities
Customer awareness
Market consolidation - product manufacturers versus retailers
Segmentation in the retirement savings market
Technology
The role of fund supermarkets
Customer service
Expansion in the long-term savings product range
New entrants - is there a threat from beyond?
Long-term savings provider core competencies
Size does matter
Financial strength - the strong will out
Investment performance and choice
Distribution capability
Established expertise and strong brand name
Competitive products and prices
Comparing the UK long-term savings market with Europe
France
Germany
Lessons learnt from Europe
Competitive Dynamics
Introduction
Key findings
Evaluating competitors in the total retirement savings market
Total life and pensions
Expense ratios
Acquisition expense ratios
Total expense ratios
Free asset ratios
Total pensions business
New pension business by parent company
Regular pensions
New regular pension business by life office
Single pensions
New single pension business by life office
Single life
ISAs
Investment trusts
Unit trusts and OEICs
THE FUTURE DECODED
Key findings
Key drivers
Total retirement savings market between 2000-2005
Scenario-based forecasts
Scenario One - Stakeholder pensions succeed
Scenario forecasts
Partial stakeholder success
Steady stakeholder growth
Stellar stakeholder performance
Scenario Two - Compulsion introduced
Scenario forecasts
Compulsion induced by stakeholder pension failure
Steady stakeholder growth - Datamonitor's view
Action Points
Appendix
Research detail
Methodology
Definitions
Life insurance
Individual long-term insurance
Corporate pensions
Retail investment funds
Distribution channels
Further reading
Bibliography
Wider readings
Relevant links
SPP writing team
How to contact
(c) Datamonitor 2001. All Rights Reserved.
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