Retirement Nation 2012

Against a backdrop of people not only living longer but also having higher expectations of what retirement means to them, it’s crucial we continue to adapt and innovate to provide our customers with financial solutions that suit their needs.

To help do that effectively, every year we commission extensive research with the older generation. We do so because it provides a welcome opportunity to really listen to people, to gather invaluable food for thought and to consider how we – and others – might take things forward.

As we see the world around us continuing to change, taking the time out to research keeps us on our toes. We hear how people feel about their retirement, the society they live in and the implications of their financial position.

Covering the whole retirement picture, you’ll find challenging thoughts and at least a glimpse of you or your future self in here somewhere, alongside some surprising facts and figures.

It might even help you to think differently about retirement.

We hope you enjoy this year’s report, please do let us know.

Retirement Nation 2012 report

Retail Investment and Retirement Solutions report

You could do a lot worse than get yourself a copy of the Retail Investment and Retirement Solutions report from Clear Path Analysis.

Legislation changes, particularly the Retail Distribution Review (RDR), National Employment Savings Trust (NEST) and Solvency II, in addition to the current economic market turbulence and future uncertainty are altering investors, advisors and product providers’ attitude and approach to the market place. This reinforces the need to stay abreast of the ever-changing outlook and ensure these changes create opportunities, not challenges.

‘Retail Investment & Retirement Solutions 2012’, is the second report in its series which looks at the evolution of the retail investment and retirement solutions sector and the preparation considerations as we draw nearer to the enforcement of regulatory changes.

Key topics:

• Adapting your business model and refining your fee structure for an RDR world
• Examining the impact of other regulations including NEST and Solvency II on the retail
investment and retirement solutions market place
• Considering the merits and suitability of certain retail investment products
• Evaluating methods of achieving income in a low interest rate environment and protecting portfolios against inflationary changes
• Evaluating the developments in the retirement solutions sector and which solutions to consider