Working out the level of secure income to purchase with a pension pot used to be primarily the job of the people setting annuity rates. Now it’s primarily the job of the pensioner.
Read MoreOwning your home gives you greater capacity to take investment risk than someone in the same situation who doesn’t own a home. Understanding this – and acting on it – can be behaviourally challenging. But ignoring it can be extremely costly.
Read MoreThe difference between the risk an investor is willing to take and the risk they should take isn’t academic – it’s the difference between box-ticking and delivering truly suitable solutions.
Read MoreThe FCA’s targeted support framework is a much-needed and well-intentioned way of closing the advice gap. But unless it accounts for behavioural differences between investors, it risks offering solutions that are only superficially suitable.
Read MoreEvery advisory firm knows the importance of treating their customers fairly. They also know that treating ‘vulnerable customers’ fairly requires special care. What’s not so clear is what this means in practice.
Read MoreLifestyle funds were created with investor behaviours firmly in view. However, in light of (almost decade-old) changes to pensions legislation and advances in our understanding of what really helps investors, the particular view of investor behaviour they reflect now looks very dated.
Read MoreAdvisers and wealth managers often ask about the consistency of Oxford Risk's risk ratings over time. We have produced a report to demonstrate the stability of our risk mapping solution over time.
Read MoreA robust Risk Capacity calculator is the most important missing piece of most advisory firms’ suitability tech stacks. Nowhere is this gap more important than in retirement income advice.
Read MoreClearing up one of the most common and consequential confusions in financial advice.
Read MoreDiscover how Behavioural Engagement Technology can support client communications during times of market volatility.
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