Abstract
Overview
Introduction
This report examines the savings and investment solutions used by High Net
Worth Individuals in Europe to accumulate funds for retirement. It focuses on
the wealth markets in the UK, Germany, France, Italy and Spain and assesses
the contribution of occupational and private pensions, as well as alternative
products, to the retirement portfolio.
Scope
- The report sizes the wealth markets in five major European economies and
profiles key investor segments in each country.
- It examines second and third pillar pension solutions for high net worth
individuals, and reviews current regulatory reforms and market developments.
- It identifies the main alternative retirement solutions being recommended,
based on primary research among wealth managers and financial advisors.
Report Highlights
The degree of reliance on occupational or second pillar pensions to provide
retirement income for high net worth individuals varies across countries. The
relative adequacy of company pension plans depends, in large measure, on
contribution limits, which have a direct impact on future retirement benefits.
Despite considerable development in the legislative framework for pensions in
Europe over the last two decades, there is scope for the development of a
market for alternative non-pension retirement solutions. With the exception of
the UK, and to a lesser extent, France, private schemes provide few additional
advantages over occupational pensions.
High net worth individuals rely on a wide range of alternative retirement
savings vehicles, including SRIs, REITs, mutual funds, property and equity
investments.
Reasons to Purchase
- Understand the size and scope of the wealth markets in key European states
and the increasing demand for supplementary retirement provision.
- Analyse developments in the markets for occupational pension products for
high income earners, and for private pension solutions.
- Identify the alternative savings solutions required by high net worth
clients to meet their retirement goals.
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