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Investor Metrics: Retail Customer and Private Client Behaviour in UK Security-Based Investments
Finaccord, Feb 2008, Pages: 170
Finaccord’s report titled Investor Metrics: Retail Customer and Private Client Behaviour in UK Security-Based Investments is about the dynamics in the retail market for security-based investments in the UK. The definition of security-based investments includes equity ISAs (individual savings accounts), PEPs (personal equity plans), SIPPs (self-invested personal pensions), OEICs (open-ended investment companies) and unit trusts, investment trusts, ETFs (exchange traded funds), investment bonds, Child Trust Funds, ‘wrap’ accounts, investment funds located offshore (eg. Bermuda, Dublin, Guernsey, Jersey, Isle of Man, Luxemburg), VCTs (venture capital trusts) and direct holdings of equities. On the other hand, it specifically excludes life insurance and mainstream occupational and personal pensions. Investor Metrics is not the first study of the UK market for security-based investments. However, it has been conceived in such a way that it provides insight into the behaviour, holdings and perception of retail investors that has not hitherto appeared in a published format. For example, the publication is unique in that it systematically discloses customer penetration data not only by type of security-based investment product but also by primary underlying instrument, business sector, geographical orientation and investment style of funds invested. Moreover, it also offers insights into the perception among and usage by private clients of 60 leading firms involved in investment management, and analyses how these metrics have changed since the original Investor Metrics report published in the first quarter of 2006.
Key questions answered by the Investor Metrics research are as follows:
- how does propensity to acquire security-based investments vary by age, annual household income, geographical location, number of children aged under 25 and employment status of consumers?
- how do private clients in the UK segment according to their risk appetite, the frequency with which they buy or sell security-based investments and the degree of self-direction that they exercise when making investment decisions?
- to what extent do retail investors plan to commit savings to 50 different classes of security-based investment product in 2008 such as funds investing primarily in property, multi-manager funds, funds investing solely in the shares of companies in China, funds investing solely in the shares of healthcare or biotech companies, or funds that describe their primary purpose as being to invest in 'special situations'?
- what proportion of retail customers can fund managers expect to acquire directly and how do the remainder split between competing distribution channels including high street banks and building societies, Internet-based fund supermarkets and discount brokers, independent financial advisers, private banks and discretionary advisers, and stockbrokers?
- which firms involved in investment management record the highest recognition and trust ratings among private clients and how do these vary between more affluent customers with over £25,000 invested in security-based products and those with investments worth less than this threshold?
The research for the study was carried out in an eight week period during November and December 2007 using the Internet consumer panel of Tpoll. In total, completed surveys were filled in and submitted on-line by 2,765 respondents among which 1,545 were found to be classifiable as retail investors by virtue of their currently holding one or more of the security-based investment products listed or having a stated intention to purchase one or more of the same products in 2008.
Key features of this report include:
- results configured on the basis of a large and representative sample of some 1,545 current and potential retail investors drawn from an overall panel of 2,765 adult consumers;
- segmentation of data between retail investors with £25,000 or more allocated to security-based investments and those with a portfolio worth less than this;
- analysis of current holdings and intended purchases in 2008 by product type, primary underlying instrument of investment, specific geography of investment, specific business sector of investment and style of investment;
- assessment of behaviour in 2007 and planned behaviour in 2008 in the area of the distribution interfaces and distribution channels used by private clients for buying and selling security-based investment products;
- rankings by awareness, trust and usage on the part of retail customers for 60 major firms involved in investment management and 20 pre-eminent fund supermarkets and discount brokers.
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