• Who Owns the Assets? Developing a Better Understanding of the Flow of Assets and the Implications for Financial Regulation

    This paper explains the distinctions between asset owners, asset managers, and intermediaries and highlights the impact that post-financial crisis monetary policies and financial regulatory reforms have had on the investment decisions of asset owners. The paper also explores the current regulatory paradigm for funds to establish a framework for potential solutions and identifies several recommendations.

  • The Changing Face of European Distribution: A Better Financial Future for Savers?

    This ViewPoint outlines the expectations of savers to address their long-term financial needs and the current regulatory changes affecting distribution and advice in Europe.

  • US Equity Market Structure: An Investor Perspective

    This paper outlines key market structure issues from an investor perspective and provides recommendations for improving investor confidence.

  • Central Clearing Counterparties and Too Big to Fail

    This ViewPoint outlines risks associated with central clearing counterparties (CCPs) and provides recommendations on how to mitigate these risks.

  • Securitisation: A Tool for European Growth

    Policymakers are keen to stimulate securitisation markets in the EU in order to increase the range of financing opportunities available. This ViewPoint seeks to provide a brief overview of securitisation and highlights its benefits for companies, investors, banks and the economy. It also identifies some of the misuses of securitised instruments and the degree to which industry practice and regulation have addressed concerns and recommends guiding principles to stimulate the re-emergence of healthy securitisations.

  • Investment and Independence: The Scottish Referendum

    Scotland is voting on independence. What would an end to its 300-year-plus membership of the UK mean for investors and savers? We explore the key issues.

  • The EU Financial Transaction Tax: A Tax on Savers

    Recent media reports have focused on the legality of certain aspects of the Financial Transaction Tax and led some to believe that the proposal is now dead. The principle for an FTT continues to attract strong support from some proponent countries and the European Commission. In this paper, we explain why and how the FTT proposal will be very damaging to end investors, in particular long-term savers and pensioners, and express our strong objection to the FTT on our clients' behalf.

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