So what do you call a robo-adviser?
Do robo-advisers now pass the ‘so what?’ test? In our work on online investment processes in the past few years, we have often found ourselves searching for a simple term to describe what we are...
View ArticleWill robo-advisers be too conservative under FAMR?
The Financial Conduct Authority (FCA) and HM Treasury review into the financial ‘advice gap’ recommends an increasing role for robo-advice in the UK but doesn’t get to grips with the problem that...
View ArticleAttitude to risk in 2016: decumulation and high wealth
A2Risk’s latest attitude to risk update recommends robo-advisers and financial firms use separate questionnaires for higher wealth and decumulation clients to meet FCA suitability guidelines. The...
View ArticleA2Risk research shapes new USS pension scheme
Assisted by A2Risk, USS has published the results of the largest ever survey of pension scheme members’ attitude to risk, and has revealed how its research has helped to develop the new USS Investment...
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Pensions freedoms illustrations and illuminations
The UK’s largest pension providers revealed their progress towards meeting recent regulatory reforms and the FCA laid out its roadmap for pensions freedoms at a conference hosted by CTC Software last...
View ArticleVanguard UK: a sensible conversation about risk
Advisers have used Vanguard’s A2Risk’s attitude to risk questionnaire more than 30,000 times over five years. A desire for better conversations with investors and the FSA’s call for investment groups...
View ArticleCTC chooses A2Risk to support drawdown advice
UK retirement savings providers help investors make better ‘pensions freedom’ drawdown decisions with CTC Software and A2Risk A tried and tested product for decumulation, easy integration and cost...
View ArticleFive things about active funds: Cass University study
A2Risk founder, Professor David Blake, features in a new video talking about his research into active funds. Courtesy of The Evidence-Based Investor. The Cass University study, examined the monthly...
View ArticleA2Risk tools meet a ‘strategic requirement’ for Royal London
A2Risk supports Royal London’s Governed Portfolios A2Risk suitability tools support Royal London’s multi-asset Governed Portfolio range for both accumulation and decumulation clients. “Royal London has...
View ArticleMiFID compliance study: A2Risk fit for purpose
A2Risk makes the grade in review by ex-FCA specialist Our ATRQ System Attitude to Risk Questionnaire has been included in a review by former FCA technical specialist Rory Percival of the six major risk...
View ArticleWe’ve made improvements to our ATRQ System
A key benefit of our ATRQ is the regular updates we make to ensure the tool incorporates our best thinking. Here we outline the 2018 review. We update our questionnaires and scoring methodology every...
View ArticleDefaults at retirement?
Should there be a default option for DC pension scheme members at retirement? The Work and Pensions Select Committee, chaired by Frank Field, recently suggested there should be. Many scheme members...
View ArticleAegon report on key risk profiling trends
We’ve enjoyed reading Aegon’s excellent “Adviser Attitudes Report 2019” which maps out key trends in the investment advice market. The report notes 56% of investors have a low or zero risk appetite,...
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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 we do an update of our...
View ArticleHow many default funds should a DC scheme have?
Defined contribution (DC) pension schemes are becoming the mainstay of retirement income provision. Most schemes have a default fund for members who don’t want to make their own investment choice. The...
View ArticleBridging 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...
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Our new integration with AdviceObjects: Advice for the digital generation
There is a growing recognition that the next generation coming into wealth will have different needs and expectations around service provision. They will want a different high-touch service level...
View ArticleFive things about active funds: Cass University study
A2Risk founder, Professor David Blake, features in a new video talking about his research into active funds. Courtesy of The Evidence-Based Investor. The Cass University study, examined the monthly...
View ArticleA2Risk tools meet a ‘strategic requirement’ for Royal London
A2Risk supports Royal London’s Governed Portfolios A2Risk suitability tools support Royal London’s multi-asset Governed Portfolio range for both accumulation and decumulation clients. “Royal London has...
View ArticleRory Percival reports on attitude to risk questionnaires
Our ATRQ System Attitude to Risk Questionnaire has been included in a review by former FCA technical specialist Rory Percival of the six major risk profiling tools used in the UK. The report tests the...
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