Table of Contents
Introduction and Abbreviations
Executive Summary
Market Factors
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- Figure 1: Annual inflation compared with average increase in earnings, 1992-99
- Figure 2: FTSE 100 index, highs and lows, 1997-99
- Figure 3: UK dependency ratios, 1981-2021 (estimated mid year population)
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Market Size
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- Figure 4: Pension funds and life assurance reserves of households*, value of funds and proportion of all household* assets, 1991-98
- Figure 5: Detailed breakdown life assurance and pension funds, 1996-98
- Figure 6: Number and value of new individual pension policies taken out, regular premium policies and single premium policies, 1994-99
- Figure 7: Number and value of new individual pension policies taken out, all policies, 1994-99
- Figure 8: Earned income by pensioners, 1996-97
- Figure 9: Contributions made to occupational and personal pensions, by income bracket of contributor, 1996-97
- Figure 10: Contributions made to personal and occupation pensions, 1991/92-1996/97
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Market and Competitor Analysis
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- Figure 11: Top 10 pension providers by new pensions premium income*, 1998
- Figure 12: Total TV and press advertising expenditure on pensions, 1994-98
- Figure 13: Benchmarking the performance of the key industry players, market shares and business growth, 1998
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Distribution
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- Figure 14: Recent acquisitions led by accessibility to IFA channels, 1995-99
- Figure 15: Concentration of new pensions business among IFAs, 1998
- Figure 16: Distribution of new regular premium personal pension business, 1994-98
- Figure 17: Distribution of new single premium personal pension business, 1994-98
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The Consumer
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- Figure 18: Main forms of provision currently being made for retirement by gender and socio-economic group, May 1999
- Figure 19: Main forms of provision currently being made for retirement by age, May 1999
- Figure 20: Main form of provisions currently being made for retirement
- Figure 21: Stakeholder potential market, May 1999
- Figure 22: Stakeholder target market and their likely response, by demographics, May 1999
- Figure 23: Most important factor behind long term investments, 1997-99
- Figure 24: Most important factor behind long term investments, by stakeholder target groups, May 1999
- Figure 25: The factors that would persuade the stakeholder target groups to take out a pension, May 1999
- Figure 26: When the stakeholder target markets intend taking out a pension, May 1999
- Figure 27: How respondents would spend £50 additional money, by gender and socio-economic group, May 1999
- Figure 28: How respondents would spend £50 additional money, by age, May 1999
- Figure 29: How respondents would spend a £2,000 windfall, by gender and socio-economic group, May 1999
- Figure 30: How respondents would spend a £2,000 windfall, by age, May 1999
- Figure 31: How employees would spend 5% increase in wages, by gender and socio-economic group, May 1999
- Figure 32: How employees would spend a 5% increase in wages by age, May 1999
- Figure 33: Factors that would persuade non-pension holders to take out a pension, by gender and socio-economic group, May 1999
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Conclusions
The Future and Forecast
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- Figure 34: Estimating the likely market size of the stakeholder pensions market, June 1999
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