Our insights

Latest articles

Our investment experts provide frequent insights, debating the exciting trends that are shaping our world. Read our latest articles below.

Ethical investing and Welsh public sector charities

In light of rules introduced in 2015, ethical investing for charities has taken a new direction in Wales. The Well-being of Future Generations (Wales) Act 2015 obliges public sector charities in Wales to operate in a way that meets the "sustainable development" definition in the Act.

Download the article [PDF, 530KB]

The legal framework for investment policy

Ethical investment considerations are not new. Indeed, the court case that underpins how a charity board should approach investment policy discussions is over 20 years old, but it remains as relevant today as it was then.

Download the article [PDF, 546KB]

Supporting the education sector

How does your board approach investments? The education sector in the UK is diverse and that diversity is represented among our charity clients at Standard Life Wealth. From independent schools and grant-making educational trusts, to a music school and an Oxford college, we have extensive experience in supporting a range of bodies that focus on education.

Download the article [PDF, 332KB]

Ethical investing & good governance

How does your charity board approach ethical investing? For some of you, this may be a new discussion point. For others, you may want to take a fresh look at your organisation’s investments and review your ethical policy. Likewise, if your organisation does not already take an ethical approach to investments, perhaps now is the time to consider whether your charity’s purposes might require you to adopt one.

Download the article [PDF, 76KB]

Charity Investment Solutions

Standard Life Wealth is an independent discretionary investment manager with extensive experience working with both large and small charitable organisations across the UK.

Download the brochure [PDF, 10.1MB]

Changing World

Staying ahead in a changing world

Staying ahead in a changing world

Sometimes it feels as though the world is changing at a faster rate than at any other time in human history and, with that, our attitude to money, savings and investments. Advisers are living in challenging but exciting times.

We have identified three areas that merit close monitoring; social, legislative and regulatory change. These issues are all interconnected and are already influencing the advice needs of clients.

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Active and Passive - a place for both

Active and passive – a place for both

Changes in the financial market backdrop and increasing regulatory scrutiny have thrown the active versus passive investment debate sharply back into focus.

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DB or not DB

"DB or not DB" still seems to be the question

It is over two years since the game-changing pensions freedom legislation was introduced by the UK government. While the new rules have largely bedded down, pension transfers still remain as contentious as ever and continue to divide opinion. So with the question of ‘DB or DC’ still reverberating, how has the debate moved on?

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An Extra Special Generation

An Extra Special Generation

Heraclitus may have said it first, but it’s as true today as it was in ancient Greece: the only thing that is constant is change. And today’s world is arguably one of the most changeable and uncertain versions to date.

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Changing consumer trends – evolve or die?

Changing consumer trends – evolve or die?

“Life moves pretty fast. If you don’t stop and look around once in a while, you could miss it.” These words from the fictional sage, Ferris Bueller, certainly ring true in terms of today’s rapidly changing consumer trends. Here, we examine some of the companies thriving and surviving in the face of shifting consumer behaviour and the danger of ignoring it.

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Do what you do best – outsource the rest

Three steps and you're outsourced

With significant demands on time and resources, many advisers are feeling stretched to capacity. Outsourcing day-to-day investment management responsibilities is one way to alleviate some of the strain.

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Those who dare, diversify!

Those who dare, diversify!

In the current low interest rate environment, investors are having to cast their nets wider for sources of return. Here we examine why greater diversification can be beneficial and how advisers can help clients achieve this.

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Autumn Budget 2017

Budget 2017

UK Autumn Budget 2017: Third time lucky?

Chancellor Philip Hammond announced a series of initiatives for the UK. Experts give their assessment of the implications for the UK economy and for investors.

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Brexit - where do we go from here?

On 19 June 2017, Brexit negotiations began. The purpose of the negotiations is to agree the terms of the UK’s exit from the EU and the future UK/EU trade relationship. Despite media focus on a so-called ‘hard’ or ‘soft’ Brexit, this is not a binary event. Given competing political and economic demands on both sides, there is a wide spectrum of potential outcomes. But what are they and which is most likely?

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Pensions freedomsPensions freedoms

How many specialists does it take to make a transfer? The ‘boom boom’ in pension advice

No laughing matter or the advice opportunity of a generation? More than a year after the introduction of the pension freedoms, the issues around transferring from defined benefit (DB) to defined contribution (DC) schemes remain the topic of much debate. Here we discuss this growing area of interest and the regulatory backdrop, as well as the threats and opportunities for advisers.

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Pension transfer risk - from me to you

Tempted by the flexibility of the pension freedoms and large transfer values, a growing number of people are moving out of their defined benefit (DB) pensions into defined contribution (DC) schemes. But by doing so, investment risk shifts from employer to employee. So how can you ensure your clients understand the implications of transferring their accumulated pension benefits and how can you help them mitigate some of these risks?

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Pension legislation and regulation – running to keep up

Clients have more flexibility and choice when it comes to planning for their retirement – and that’s undoubtedly a good thing. This has led to unprecedented demand for advice. Again, a good thing for the adviser community. Where things get really tricky though are in areas where regulation has failed to keep pace with the sweeping changes in pension legislation.

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Industry analysis - The changing face of wealth

If there’s one certainty in life, it’s that nothing stays the same for long. That’s definitely been the case for the adviser community. The recent pensions freedoms join a long list of industry upheavals to which advisers have had to adjust. Here we consider how clients and their needs are evolving. We also look at some of the newer challenges that advisers face, particularly around pensions transfers, and how outsourcing to a discretionary fund manager (DFM) could help.

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Harnessing potential - The great retirement rethink

There is no doubt that we are in the midst of a financial planning revolution – particularly around retirement. Clients have more freedom and choice than ever before as to how they use their pensions savings and accumulated wealth, while their advice needs are much more complex. And at the coalface of this transformation are advisers. But with great change comes opportunity, so how can advisers take advantage of this unparalleled period of business potential?

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Investment outsourcing - unlocking the market potential

The adviser community is facing challenges from all directions; regulatory scrutiny, changing legislation and more complex demands from a growing number of clients. Here we examine how building a centralised retirement proposition and outsourcing clients' investment management could alleviate some of these strains and unlock a period of unprecedented business potential for advisers.

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The importance of seeking advice

This is the final article in the series from Standard Life Wealth exploring the new world of pension 'freedom and choice'.

Download the article [PDF, 80KB]

Liability lifestyling - maximising your clients' retirement

In our previous articles, we have examined the new pension freedoms and the critical need to take a different approach to managing clients' wealth in retirement. But clearly it's not just advisers that need to rethink retirement.

Download the article [PDF, 1.56MB]

The pension generation game

The new UK pension legislation has made pension wealth more inheritable than ever. Have you done your legacy legwork?

Download the article [PDF, 78KB]

The Evolution of the Centralised Retirement Proposition

In the second of our series, we explore what the future of pension advice looks like.

Download the article [PDF, 99KB]

Decumulation: The investment challenge

Our latest paper discusses investors in income drawdown, and the best way to meet their needs. Counterintuitively, we find that it’s not just the return that matters - it's how that return is delivered. We discuss why this is, and what your clients might need from their investments.

Download the article [PDF, 147KB]

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