KY(V)C: Know your (vulnerable) customers
The treatment of vulnerable customers has long been high on the Financial Conduct Authority’s (FCA’s) agenda, but the issue will come even more sharply under the spotlight in the months…
Encouraging Risk-Taking: The Challenge of Long-Term Financial Planning
The Financial Conduct Authority (FCA) has set out a five-year strategy to encourage greater risk-taking and investment in productive assets by UK savers—in line with the Government’s plan to promote…
USS uses A2Risk ATRQ to Survey Member Risk Attitudes
In a recent survey of the attitudes of members of the UK’s largest private pension scheme, the Universities Superannuation Scheme (USS) used A2Risk’s Attitude to Risk Questionnaire (ATRQ) to understand…
Attitudes to risk – we find differences but also consistency over time in a volatile world
Do differences in income, age and sex lead to differences in risk appetite? And do turbulent world events shape our attitudes to financial risk? The A2Risk/YouGov survey investigates. Income, age and…
Assessing customer risk profiles at retirement requires a dedicated tool
Assessing customer risk profiles at retirement requires a dedicated tool A customer’s risk profile changes over their lifetime and for good reason. The risks that are reasonable for a young…
Risk and Investment Pathways
The recent introduction of Investment Pathways leads to risks for both customers and providers alike. The FCA has for a long time now had concerns about poor outcomes for customers…
Bridging The Advice Gap?
There is much discussion of the ‘advice gap’ whereby individuals without large amounts of investable wealth cans struggle to access high quality financial advice at reasonable cost. But advice should…
How do savers think about risk? A2Risk, Santander and Moody’s Survey
A2Risk’s questionnaire was used in the February 2014 study “How do savers think about and respond to risk? Evidence from a population survey and lessons for the investment industry” which…
Risk and Sustainability
The FCA has released its long-awaited consultation paper on sustainability disclosures for investments, including sustainability labels for funds. The new rules are intended to “help consumers navigate an increasingly complex investment product…
What does the stockmarket mean to you?
What comes to mind when someone mentions the stockmarket? We asked a large sample of UK consumers as part of our regular attitude to risk questionnaire update. Every two years…