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Five steps to help your employees secure their financial futures

8 de Sep de 2016
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Five steps to help your employees secure their financial futures

  1. Five Steps to Help Your Employees Secure Their Financial Futures @robertjgardner
  2. T h e d e a t h o f d e f i n e d b e n e f i t p e n s i o n p rov i s i o n
  3. A s h i f t i n r e s p o n s i b i l i t y f ro m e m p l o y e r s t o e m p l o y e e s
  4. E c o n o m i c U n c e r t a i n t y We l i v e i n a w o r l d o f u n c e r t a i n t i m e s
  5. W hy s e l f c o n t ro l i s t h e key to f i n a n c i a l s u c c e s s i n t h e f u t u r e
  6. A r e y o u s a v i n g a t l e a s t 1 5 % f o r y o u r r e t i r e m e n t ?
  7. I f y o u k n ew y o u w o u l d l i v e l o n g e r w o u l d y o u s av e m o r e ?
  8. I s a c u l t u r e o f s p e n d i n g h o l d i n g y o u b a c k ?
  9. A l a c k o f f i n a n c i a l e d u c a t i o n a c r o s s a l l g e n e r a t i o n s
  10. The price of inaction • https://youtu.be/dj0zjoKa0Dc 10 W h a t h a p p e n s i f w e d o n ' t a d d r e s s t h e s av i n g s c r i s i s ?
  11. 1. Engagement “Tell me and I forget. Teach me and I remember. Involve me and I will learn” - Benjamin Franklin S t e p 1 : H e l p i n g y o u r e m p l o y e e s t o s e c u r e t h e i r f i n a n c i a l f u t u r e s
  12. E A S TEasy Attractive Social Timely H o w t o e n g a g e y o u r e m p l o y e e s u s i n g t h e E A S T f r a m e w o r k
  13. easy attractive social timely H o w t h e D W P u s e t h e E A S T f r a m e w o r k t o e n r o l y o u i n a p e n s i o n
  14. 1. Engagement 2. Education “Education is the most powerful weapon you can use to change the world” - Nelson Mandela S t e p 2 : H e l p i n g y o u r e m p l o y e e s t o s e c u r e t h e i r f i n a n c i a l f u t u r e s
  15. W h a t d o e s s u c c e s s l o o k l i ke ? A nation of engaged savers and investors who are confident and in control of their financial futures
  16. “We have been neglected. Nobody’s told us about the need to save and invest.” 6th Form Student, Trinity School W h a t d o t o d ay ' s m i l l e n n i a l s t h i n k ?
  17. “I can’t live off £150 per week, I want a lavish lifestyle when I get older.” 6th Form Student, Trinity School W h a t d o t o d ay ' s m i l l e n n i a l s t h i n k ?
  18. D o y o u u n d e r s t a n d t h e m i r a c l e o f c o m p o u n d i n g ?
  19. 1. Engagement 2. Education 3. Digital “ R i g h t n o w, a M a s a i w a r r i o r o n a m o b i l e p h o n e i n t h e m i d d l e o f Ke ny a h a s b e t te r m o b i l e c o m m u n i c a t i o n s t h a n t h e p r e s i d e n t d i d 2 5 y e a r s a g o . I f h e ’ s o n a s m a r t p h o n e u s i n g G o o g l e , h e h a s a c c e s s t o m o r e i n fo r m a t i o n t h a n t h e U . S . p r e s i d e n t d i d j u s t 1 5 y e a r s a g o . ” - Peter Diamandis S t e p 3 : H e l p i n g y o u r e m p l o y e e s t o s e c u r e t h e i r f i n a n c i a l f u t u r e s
  20. T h e d i g i t a l b o o m c o n t i n u e s
  21. 1 3 0 , 0 0 0 , 0 0 0 , 0 0 0 A p p s d o w n l o a d e d f ro m t h e A p p s t o r e
  22. 9 0 % o f t i m e o n m o b i l e d ev i c e s i s s p e n t i n A p p s Source: Flurry Analytics, comScore, Pandora, Facebook, NetMarketShare, Note: US Jun 2015
  23. S l i c k e r, S m a r t e r, F a s t e r – t h e a r r i v a l o f f i n - t e c h s o l u t i o n s
  24. S t e p 4 : H e l p i n g y o u r e m p l o y e e s t o s e c u r e t h e i r f i n a n c i a l f u t u r e s 1. Engagement 2. Education 3. Digital 4. Outcome Focussed “ I n o rd e r to i m p rov e yo u r g a m e , yo u m u s t s t u d y t h e e n d g a m e b e fo r e ev e r y t h i n g e l s e . ” - Jose Raul Capablanca
  25. <INSERT REDINGTON INVESTMENT CHART> W h e r e a r e y o u r e m p l o y e e s o n t h e i r s a v i n g s & i n v e s t m e n t j o u r n e y ?
  26. 1. Engagement 2. Education 3. Digital 4. Outcome Focussed 5. Personalisation S t e p 5 : H e l p i n g y o u r e m p l o y e e s t o s e c u r e t h e i r f i n a n c i a l f u t u r e s
  27. O n e s i z e d o e s n ’ t f i t a l l
  28. 0% 10% 20% 30% 40% 50% 60% 70% Risk Path 1 Risk Path 2 Risk Path 3 Risk Path 4 Risk Path 5 Risk Path 6 Risk Path 7 PERCENTAGE OF EMPLOYEES RISKLEVEL Clear divergence We a l l h av e d i f fe r e n t r i s k p ro f i l e s
  29. P l e a s e d o i t fo r m e , t a i l o r e d t o m e
  30. “A society grows great when old men plant trees whose shade they know they shall never sit in” - Greek proverb
  31. I ' d l ov e t o h e a r f ro m y o u @robertjgardner in/robertjgardner robert.gardner@redington.co.uk 07899 954 624
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