Three quarters of affluent UK consumers are saving for retirement, making pension products an important strategy for wealth management firms. The wealth management industry is expected to grow its revenues by 19% over the next five years as the UK economic recovery continues. Most affluent consumers invest in a range of products and make their own investment decisions, with retirement being their top saving and investment goal.
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Mercer Capital’s Investment Management Industry newsletter is a quarterly publication providing perspective on valuation issues pertinent to asset managers, trust companies, and investment consultants.
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Mercer Capital’s quarterly newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
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Mercer Capital’s Investment Management Industry newsletter is a quarterly publication providing perspective on valuation issues pertinent to asset managers, trust companies, and investment consultants.
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Mercer Capital's Portfolio Valuation: Private Equity and Venture Capital Marks and Trends Newsletter provides a brief digest and commentary of some of the most relevant market trends influencing the fair value regarding private equity portfolio investments.
Mercer Capital's Value Focus: Auto Dealer Industry | Data as of Mid-Year 2020Mercer Capital
Mercer Capital's Auto Dealer Industry newsletter provides perspective on valuation issues. Each newsletter also includes a macroeconomic trends, industry trends, and guideline public company metrics.
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Tax Reform and Impairment Testing
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Mercer Capital’s Asset Management Industry newsletter is a quarterly publication providing perspective on valuation issues pertinent to asset managers, trust companies, and investment consultants.
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Mercer Capital’s quarterly newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
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Mercer Capital's Portfolio Valuation: Private Equity and Venture Capital Mark...Mercer Capital
Mercer Capital's Portfolio Valuation: Private Equity and Venture Capital Marks and Trends Newsletter provides a brief digest and commentary of some of the most relevant market trends influencing the fair value regarding private equity portfolio investments.
Mercer Capital's Value Focus: Auto Dealer Industry | Data as of Mid-Year 2020Mercer Capital
Mercer Capital's Auto Dealer Industry newsletter provides perspective on valuation issues. Each newsletter also includes a macroeconomic trends, industry trends, and guideline public company metrics.
The pensions landscape is changing. Older people are set to work for longer and delay their annuity purchase and younger people are facing a future of inadequate pension savings. Increased flexibility as well as more education and advice around annuity products – particularly non-standard annuity products – is required in order to better equip consumers to make annuity decisions.
View TOC and Detail Report At : http://www.researchmoz.us/annuities-uk-august-2013-report.html
Scorpio Partnership Global Private Banking Benchmark report 2013Scorpio Partnership
The Scorpio Partnership Global Private Banking Benchmark 2013 is the leading assessment of the health and wealth of the world's wealth management sector worldwide. The report itself includes analysis of over 18,000 private banking key performance indicators from Scorpio Partnership’s unrivalled historical database. Among other findings, the 2013 Benchmark demonstrates that the wealth management industry reveals that net new money has reboudned across the industry, suggesting signs of a return of client confidence in global wealth managers.
Since the start of 2008 Leading Edge has been running our 'State of the Industry Barometer' on a quarterly basis to find out how construction businesses are dealing with the market conditions. The survey is run in association with the Chartered Institute of Marketing's Construction Industry Group and Construction News.
Mercer Capital's Investment Management Industry Newsletter | Q3 2020 | Focus:...Mercer Capital
Mercer Capital’s Investment Management Industry newsletter is a quarterly publication providing perspective on valuation issues pertinent to asset managers, trust companies, and investment consultants.
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Business Performance Management PowerPoint Presentation SlidesSlideTeam
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Business Performance Management Powerpoint Presentation SlidesSlideTeam
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Assessing your enterprise performance is an important step in surviving the economic downturn. You can start measuring your organization performance today with our business performance management PowerPoint presentation slides. Using corporate performance management PPT templates, lower or middle administration of the company can present firm’s key point to top authority. This customized business review PPT slides consists of company overview, financial performance, client and project updates, competitor’s analysis, future roadmap, CSR/miscellaneous activities etc. In addition to this, if you are planning to prepare PowerPoint presentation on productivity authority, organization’s management, organization process board, enterprise performance management, corporate performance, key business performance indicators, enterprise management, employee performance meters etc., deploy the same business operational excellence strategy presentation. This continuous improvement framework PowerPoint presentation helps you focus on the critical issues and remove the barriers. What are you waiting for? Download now our business performance management PowerPoint template. All the components of our Business Performance Management Powerpoint Presentation Slides act in harmony. They ensure a fascinating combination. https://bit.ly/3mVzBoI
Quarterly Business Review Powerpoint Presentation SlidesSlideTeam
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Equity Consulting Report PowerPoint Presentation Slides is a virtual tool for financial analysts to compile their investment research insights. This private financing PPT theme is replete with data visualization tools. Use pie charts, tabular formats, and other kinds of diagrams to present information about the target company’s financial health. Our equity investment analysis PowerPoint slideshow incorporates state of the art design elements. Using this equity valuation PPT presentation you can consolidate a visually-appealing financial ratio analysis. Build a crisp industry overview involving competitive environment analysis and the latest industry trends. Our investment research PowerPoint templates help you to compile valuation analysis using various methods. Risk assessment is another important aspect that you can address with the help of this Equity research PPT slideshow. Elaborate on the types of risks like currency risk, inflation risk, and so on. Private equity consulting even helps you to identify and portray the intensity of each type of risk. https://bit.ly/3kuXvnu
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The Home Depot2008 Annual ReportMore More .docxcherry686017
The Home Depot
2008 Annual Report
More
More
Dear Shareholders:
In 2008, our retail sales declined by 7.8 percent, with comp sales down 8.7 percent.
Our adjusted earnings per share from continuing operations declined 22 percent. In
ordinary times, these would be very disappointing results. But 2008 was not an
ordinary year.
Despite the difficult economic environment, we continued to improve our retail
business, through investing in our associates and our stores, rebuilding our supply
chain and improving customer service. We also made several strategic decisions to
optimize our capital allocation, concentrating our efforts on our core business.
In the first quarter, we closed 15 underperforming stores and reduced our pipeline of
new stores by 50. In the third quarter, we renegotiated our private label credit card
agreement, capping our cost of private label credit. In the fourth quarter, we
announced our decision to exit EXPO and related businesses. These actions will
make the Company stronger.
On the financial side, we ended the year with a solid operating profit and $41 billion
in assets. We generated cash from the business of approximately $5.5 billion, which
allowed us to invest in the business where necessary and reduce our debt obligations
while maintaining a healthy dividend.
On the operational side, we implemented an “Aprons on the Floor” initiative, which
deployed over $200 million in annualized savings onto the floor of the stores for
customer service. Our customer service levels, as measured by our Voice of
Customer surveys and other external sources, continue to improve.
We launched our “New Lower Price” campaign in the fall and have been very
pleased with the customer response to this program. More than ever, our customers
expect great value and exciting products in our stores, and we are committed to
providing for these expectations.
We started the roll-out of our enhanced supply chain. At the end of January, we
opened our fifth Rapid Deployment Center (RDC), and RDCs now serve
approximately 500 of our U.S. stores. Our goal is to have approximately 20 RDCs
in place by the end of 2010, serving all of our U.S. stores.
%%TRANSMSG*** Transmitting Job: X17422 PCN: 000010000 ***%%PCMSG| |00013|Yes|No|04/02/2009 11:19|0|0|Page/graphics valid 04/02/2009 11:19 -- Color: N|
We also rolled out new merchandising tools allowing our merchants to better plan
and assort our products. These tools helped us drive better inventory productivity
and provided better markdown control, particularly for our seasonal categories.
On the international front, our stores in Mexico continued their strong performance,
ending the year with double digit positive comps. We also took a major step in
transforming our information technology application footprint by converting our
Canadian business to a new enterprise resource planning platform. The rest of the
business will benefit from the lessons learned from the Canadian effort.
None of ...
The Home Depot2008 Annual ReportMore More .docxoreo10
The Home Depot
2008 Annual Report
More
More
Dear Shareholders:
In 2008, our retail sales declined by 7.8 percent, with comp sales down 8.7 percent.
Our adjusted earnings per share from continuing operations declined 22 percent. In
ordinary times, these would be very disappointing results. But 2008 was not an
ordinary year.
Despite the difficult economic environment, we continued to improve our retail
business, through investing in our associates and our stores, rebuilding our supply
chain and improving customer service. We also made several strategic decisions to
optimize our capital allocation, concentrating our efforts on our core business.
In the first quarter, we closed 15 underperforming stores and reduced our pipeline of
new stores by 50. In the third quarter, we renegotiated our private label credit card
agreement, capping our cost of private label credit. In the fourth quarter, we
announced our decision to exit EXPO and related businesses. These actions will
make the Company stronger.
On the financial side, we ended the year with a solid operating profit and $41 billion
in assets. We generated cash from the business of approximately $5.5 billion, which
allowed us to invest in the business where necessary and reduce our debt obligations
while maintaining a healthy dividend.
On the operational side, we implemented an “Aprons on the Floor” initiative, which
deployed over $200 million in annualized savings onto the floor of the stores for
customer service. Our customer service levels, as measured by our Voice of
Customer surveys and other external sources, continue to improve.
We launched our “New Lower Price” campaign in the fall and have been very
pleased with the customer response to this program. More than ever, our customers
expect great value and exciting products in our stores, and we are committed to
providing for these expectations.
We started the roll-out of our enhanced supply chain. At the end of January, we
opened our fifth Rapid Deployment Center (RDC), and RDCs now serve
approximately 500 of our U.S. stores. Our goal is to have approximately 20 RDCs
in place by the end of 2010, serving all of our U.S. stores.
%%TRANSMSG*** Transmitting Job: X17422 PCN: 000010000 ***%%PCMSG| |00013|Yes|No|04/02/2009 11:19|0|0|Page/graphics valid 04/02/2009 11:19 -- Color: N|
We also rolled out new merchandising tools allowing our merchants to better plan
and assort our products. These tools helped us drive better inventory productivity
and provided better markdown control, particularly for our seasonal categories.
On the international front, our stores in Mexico continued their strong performance,
ending the year with double digit positive comps. We also took a major step in
transforming our information technology application footprint by converting our
Canadian business to a new enterprise resource planning platform. The rest of the
business will benefit from the lessons learned from the Canadian effort.
None of ...
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In order to remain competitive, supermarket and hypermarket chains are developing new store formats to suit differing local market needs, and are adapting their product and service offerings to differentiate themselves from their competitors.
Encouraging people to trade up is the biggest challenge facing the household cleaning equipment market, as most people see these products as staple, need-driven purchases that they do not want to pay more than they have to for. Brands need to encourage consumers to shift some of their focus away from ‘lowest price’ to looking for better value in terms of longer-lasting...
Lower-alcohol drinks tend to be cheaper, because of lower taxation, and are often lower calorie. Both factors should make them attractive to people drinking at home, helping to retain users at a time when people are cutting back on spend.
Mobile Value-added Service (VAS) applications represent a key aspect to the ongoing success of mobile network operators and everyone in the mobile communications value chain. With core services, such as bear voice and data communications becoming commodity offerings, wireless service providers are dependent on VAS applications to drive additional revenue and improved margins.
Successfully Accessing Medical Equipment Markets in CIVETS Available on Rese...QYResearchReports
The short-lived positron-emitting isotopes used in PET imaging are generally produced in a cyclotron and then synthesised on-site before patient administration. Although not requiring the use of a nuclear reactor, this limits the use of PET imaging to centres with access to a cyclotron and synthesis equipment. Therefore, a major development is the recent availability of smaller and cheaper cyclotrons which are designed to produce C-11 and F-18 isotopes economically and on-demand, without the need for radiochemistry or PET accelerator expertise.
Cote dIvoire (sometimes anglicized as Ivory Coast) has a small insurance industry, encompassing a population of around 23.4 million. Given its size, the insurance industry is highly competitive and fragmented with 29 companies having a presence. GDP at constant prices in Cote dIvoire fell by 4.7% in 2011 due to post-electoral violence.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
1. Affluent Investing - UK - November 2013
Three quarters of affluent consumers are saving for their retirement, which is a much higher proportion than
across the wider population. For wealth management firms, promoting SIPPPs and other pension products
should be an important strategy in a bid to capitalise on the demand for retirement savings – and thus
capture potential clients.
table Of Content
introduction
report Scope And Definitions
abbreviations
key Sources
executive Summary
the Market
industry Revenues Expected To Grow In 2013 And Following Five Years
figure 1: Forecast Of Wealth Management Industry Revenues – Fan Chart, 2008-18
segment Performance
discretionary Management Leads The Way
figure 2: Investment Assets Held By Wealth Managers, By Mandate Type, 2008-12
portfolio Composition
market Factors
economic Recovery Finally Getting Underway
ftse 100 Performing Well
the Fca Announced A Supervision Model For The Wealth Management Industry
impact Of The Rdr
companies, Brands And Innovation
coutts Overtake Barclays To Take Top Spot
adspend On Wealth Management Products And Services Down By 8% In 2012/13
the Consumer
investment Portfolio
figure 3: Saving And Investment Product Ownership, August 2013
saving And Investing Goals
figure 4: Saving And Investment Goals, August 2013
investment Decisions
figure 5: Investment Management And Decision Making, August 2013
sources Of Financial Advice
Affluent Investing - UK - November 2013
2. figure 6: Sources Of Advice When Taking Out An Investment Product, August 2013
awareness Of Rdr Changes
figure 7: Consumer Awareness Of Rdr Changes, August 2013
what We Think
issues In The Market
how Is The Rdr Affecting The Wealth Management Industry?
what Drives Saving And Investing Activity Among Affluent Consumers?
how Can Firms Target The Affluent Consumers Of The Future?
could Advertising Play A Bigger Role In The Wealth Management Sector?
trend Application
rising To The Top
short-term Pain For Long-term Gain
mintel Futures: Old Gold
market Drivers
key Points
market Indices Performing Well In 2013
figure 8: Ftse 100 And Ftse All-share – Daily Index Movements, January 2005-august 2013
market Capitalisation Up By 15% In 2012
figure 9: Market Capitalisation Of Global Stock Exchanges, By Region, 2009-13
uk Economy Showing Signs Of Recovery
figure 10: Uk Quarterly Gdp Growth, Q1 2006-q3 2013
consumer Confidence Continues To Grow
figure 11: Uk Consumer Confidence, January 1989-october 2013
rdr Already Having An Impact In The Wealth Management Arena
wealth Managers And Private Banks Come Under The Eye Of The Fca
basel Iii Brings New Capital Requirements
mifid Ii And Resolution Of Potential Conflict With The Rdr
swot Analysis
figure 12: Wealth Management Market – Swot Analysis, 2013
who’s Innovating?
key Points
finding The Right Wealth Manager For Your Personal Needs
barclays Continues To Develop Its Execution Platform For Wealth Managers
Affluent Investing - UK - November 2013
3. little Book Of Wonders Launched For Hnw Clients
developments For Hnw Clients
market Size And Forecast
key Points
wealth Management Market Continues To Grow
figure 13: Size Of The Uk Wealth Management Sector, By Number Of Clients, Value Of Assets And Total
Revenues, 2008-12
net New Assets Down In 2012
figure 14: Investment Asset Growth And Net New Business For Wealth Managers, 2009-12
market Forecast
industry Revenues Expected To Increase 19% Over The Next Five Years
figure 15: Forecast Of Wealth Management Industry Revenues – Fan Chart, 2008-18
figure 16: Forecast Of Wealth Management Industry Revenues, At Current And Constant Prices, 2008-18
forecast Methodology
fan Chart Explanation
segment Performance
key Points
wealth Management Firms Grow Assets And Number Of Accounts
figure 17: Number Of Accounts And The Value Of Assets Managed, By Type Of Firm, 2009-12
share Of Total Revenues Remains Unchanged In 2012
figure 18: Total Wealth Management Industry Revenues, By Type Of Firm, 2009-12
commission Earning Declined In 2012
figure 19: Proportional Distribution Of Revenue Streams, By Type Of Firm, 2011 And 2012
costs As A Proportion Of Revenues Fall For Wealth Management Firms
figure 20: Operational Costs As A Proportion Of Revenue, By Type Of Firm, 2009-12
profitability Among Wealth Management Firms Up In 2012
figure 21: Profit Margin, By Type Of Firm, 2009-12
portfolio Composition
key Points
number Of Client Accounts Up By 5% In 2012
figure 22: Number Of Wealth Manager Accounts/portfolios, By Value Band (nominee Accounts Only), 2012
asset Allocations Remains Relatively Unchanged In 2012
figure 23: Proportional Distribution Of Assets, By Type Of Asset Class, 2008-12
taxable Holdings Remain The Most Widely Held Asset Type
figure 24: Proportional Distribution Of Assets, By Ownership, 2012
Affluent Investing - UK - November 2013
4. market Share
key Points
coutts And Barclays Account For Over 20% Of Assets Under Management
figure 25: Largest 15 Wealth Managers, By Assets Under Management And Number Of Client Accounts
– Uk, 2011 And 2012
companies And Products
coutts & Co
figure 26: Rbs Group’s Wealth Division – Key Interim Data, H1 2012 And H1 2013
figure 27: Rbs Group’s Wealth Division – Key Financial Data, 2011 And 2012
barclays Wealth And Investment Management
figure 28: Key Interim Financial Data For Barclays Wealth And Investment Management, H1 2012 And H1
2013
figure 29: Barclays Wealth – Key Financial Data, 2011 And 2012
st. James’s Place Wealth Management
figure 30: St James’s Place Wealth Management – Key Interim Data, H1 2012 And H1 2013
figure 31: St James’s Place Wealth Management – Key Annual Data, 2011 And 2012
ubs Wealth Management
figure 32: Ubs Wealth Management Division (europe And Asia) – Key Interim Data, H1 2012 And H1
2013
figure 33: Ubs Wealth Management Division (europe And Asia) – Key Annual Data, 2011 And 2012
brewin Dolphin
figure 34: Brewin Dolphin – Key Interim Data, H1 2012 And H1 2013
hargreaves Lansdown
figure 35: Hargreaves Lansdown – Key Annual Data, 2012 And 2013
hsbc Private Bank
figure 36: Hsbc Private Bank – Key Interim Data, H1 2012 And H1 2013
figure 37: Hsbc Private Bank – Key Annual Data, 2011 And 2012
brand Communication And Promotion
key Points
advertising On Wealth Management Services And Products Is Relatively Small
figure 38: Total Advertising Expenditure On Wealth Management And Other Related Products And Services,
2010/11-2012/13
figure 39: Top Ten Advertisers Of Wealth Management Products And Services, 2010/11-2012/13
press And Outdoor Media Lead The Way In The Wealth Management Sector
figure 40: Proportional Distribution Of Adspend On Wealth Management, By Media Type, 2010/11-2012/13
a Note About Adspend
channels To Market
Affluent Investing - UK - November 2013
5. key Points
over 50% Of Accounts Are Under Discretionary Management…
figure 41: Number Of Client Accounts/portfolios, By Mandate Type, 2008-12
discretionary Management Accounts For An Even Higher Percentage Of Aum
figure 42: Investment Assets Held By Wealth Managers, By Mandate Type, 2008-12
revenue Returns Continue To Seesaw
figure 43: Revenue Return On Discretionary And Advisory Assets, 2007-12
segmentation Of Investable Assets
key Points
survey Coverage
wealth Tiers Among Affluent Consumers
figure 44: Segmentation Of The Affluent Market, By Value Of Investable Assets, August 2013
growing Personal Wealth Over Time
figure 45: Segmentation Of The Affluent Market, By Value Of Investable Assets, August 2013
meeting The Investable Assets Criterion
figure 46: Segmentation Of The Affluent Market, By Value Of Investable Assets, August 2013
inheriting The Next Generation Of Affluent And Hnw Consumers
figure 47: Segmentation Of The Affluent Market, By Value Of Investable Assets, August 2013
investment Portfolio
key Points
affluent Clients Tend To Save/invest In A Range Of Products
figure 48: Saving And Investment Product Ownership, August 2013
a Quarter Of Affluent Consumers Invest In Property
affluent And Hnw Clients Have Fingers In Many Pies
figure 49: Saving And Investment Product Ownership, By Segmentation Of The Affluent Market, August
2013
saving And Investing Goals
key Points
retirement Is The Number One Financial Priority
figure 50: Saving And Investment Goals, August 2013
circumstances Dictate Saving And Investment Goals
affluent And Hnw Clients Most Likely To Save/invest For Tax Mitigation And Inheritance Planning
figure 51: Saving And Investment Goals, By Segmentation Of The Affluent Market, August 2013
investment Decisions
key Points
Affluent Investing - UK - November 2013
6. one In Two Affluent Consumers Makes Their Own Investment Decisions
figure 52: Investment Management And Decision Making, August 2013
adults Who Own More Complex Products Tend To Delegate Investment Decisions
figure 53: Investment Management And Decision Making, By Ownership Of Unit Trust/oeics, Property And
Corporate Bonds/bond Futures/gilts/gilt Funds, August 2013
sources Of Financial Advice
key Points
ifas The Top Source Of Financial Advice
figure 54: Sources Of Advice When Taking Out An Investment Product, August 2013
affluent And Hnw Clients More Likely To Seek Advice From Private Banks
figure 55: Sources Of Advice When Taking Out An Investment Product, By Segmentation Of The Affluent
Market, August 2013
awareness Of Rdr Changes
key Points
around 80% Of Affluent Clients Have Heard About The Rdr
figure 56: Consumer Awareness Of Rdr Changes, August 2013
affluent & Hnw Clients Most Likely To Be Aware About The Rdr
figure 57: Consumer Awareness Of Rdr Changes, By Segmentation Of The Affluent Market, August 2013
more Can Be Done To Boost Customer Awareness
figure 58: Consumer Awareness Of Rdr Changes, By Sources Of Advice When Taking Out An Investment
Product, August 2013
ownership Of Certain Products Leads To Increased Awareness
figure 59: Consumer Awareness Of Rdr Changes, By Ownership Of Select Investment Products, August 2013
attitudes Towards Investing And Financial Risk
key Points
affluent Consumers Like The Challenge Of Making The Most Of Their Money…
figure 60: Attitudes Towards Investment Risk, August 2013
but A Large Number Also Prefer To Have Peace Of Mind Over Higher Returns
figure 61: Attitudes Towards Having Lower Investment Risk, August 2013
risk Attitudes Change Among The Three Wealth Tiers
figure 62: Agreement With The Statement ‘i’ve Tended To Avoid Taking Financial Risks In
The Past’, By Segmentation Of The Affluent Market, August 2013
patience And A Long-term Outlook Can Help During Turbulent Times
figure 63: Agreement With The Statement ‘if I Lost Money On An Investment, I Would Stay
Investment And Hope That The Investment Recovers Over Time’, August 2013
Affluent Investing - UK - November 2013
7. appendix – Market Size And Forecast
figure 64: Best And Worst Case Forecast Of Wealth Management Industry Revenues, 2013-18
appendix – Segmentation Of Investable Assets
figure 65: Segmentation Of The Affluent Market, By Value Of Investable Assets, August 2013
appendix – Investment Portfolio
figure 66: Most Widely Owned Saving And Investment Products, August 2013
figure 67: Saving And Investment Products, August 2013
figure 68: Least Owned Saving And Investment Products, August 2013
appendix – Saving And Investing Goals
figure 69: Most Important Saving And Investment Goals, By Demographics, August 2013
figure 70: Less Important Saving And Investment Goals, By Demographics, August 2013
appendix – Investment Decisions
figure 71: Investment Management And Decision Making, By Demographics, August 2013
figure 72: Investment Management And Decision Making, By Segmentation Of The Affluent Market, August
2013
appendix – Sources Of Financial Advice
figure 73: Sources Of Advice When Taking Out An Investment Product, By Demographics, August 2013
appendix – Awareness Of Rdr Changes
figure 74: Consumer Awareness Of Rdr Changes, August 2013
appendix – Attitudes Towards Investing And Financial Risk
figure 75: Agreement With The Statement ‘i Like The Challenge Of Trying To Make The Most Of My
Money’, By Demographics, August 2013
figure 76: Agreement With The Statement ‘i’m Prepared To Take Some Risks With My
Savings And Investments In The Hope Of Earning Higher Returns’, By Demographics, August 2013
figure 77: Agreement With The Statement ‘i’d Rather Take A Few Risks With My Investments
Than Watch Their Real Value Reduced By Inflation’, By Demographics, August 2013
figure 78: Agreement With The Statement ‘if I Lost Money On An Investment, I Would Stay Invested
And Hope That The Investment Recovers Over Time’, By Demographics, August 2013
figure 79: Agreement With The Statement ‘i’m Happy To Make A Lower Return On My
Affluent Investing - UK - November 2013
8. Savings If It Means I Don’t Have To Lie Awake At Night Worrying About Investment Risk’,
By Demographics, August 2013
figure 80: Agreement With The Statement ‘i’ve Tended To Avoid Taking Financial Risks In
The Past’, By Demographics, August 2013
figure 81: Agreement With The Statement ‘even If A Risky Investment Offered Higher Returns, It
Wouldn’t Compensate For The Amount Of Worry It’d Cause Me’, By Demographics,
August 2013
figure 82: Agreement With The Statement ‘i Think That I’m More Willing Than Most People
To Take Financial Risks’, By Demographics, August 2013
figure 83: Agreement With The Statement ‘i’d Rather Have Money In The Bank Now Than
The Chance Of High Returns In The Future’, By Demographics, August 2013
figure 84: Agreement With The Statement ‘i’d Be Prepared To Borrow Money To Make A
Financial Investment’, By Demographics, August 2013
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Affluent Investing - UK - November 2013