120126 Tisa Itcs

I t’s the consumer, stupid ! 26 January 2012

It’s the consumer, stupid! ,[object Object],[object Object],[object Object]

DC shouldn’t be this hard ,[object Object],[object Object],[object Object],[object Object],[object Object]

DC shouldn’t be this hard – however, ,[object Object],[object Object],[object Object],[object Object],[object Object]

Retirement – how it used to be Saving Income 18 65 75 ,[object Object],[object Object],[object Object],[object Object]

Retirement – how it is now De-risking glide path is part of ‘new’ retirement Annuity 2 Annuity 1 ,[object Object],[object Object],[object Object],[object Object],18 65 75 55 85

Dislocation between accumulation and decumulation ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

How do we overcome these issues? ,[object Object],[object Object],[object Object],[object Object],[object Object]

The big question – what’s everyone else doing?

Context Expected income Contributions Investment return

There’s no point getting the glide path right………. Men Women … .. If you’re aiming for the wrong destination. Selected retirement ages

Small pots ,[object Object],[object Object],[object Object],[object Object]

What attributes of products do consumers like? ,[object Object],[object Object],[object Object],[object Object],[object Object]

Just buy this one! “ We looked at 137,787 TV reviews: this is the best TV under £650 .”

120126 Tisa Itcs

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