Stakeholder 製品s failing

By Michael Clarke
Updated: 10:08 BST, 25 August 2005

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LOW-COST 貯金 製品s designed to encourage more people to put money away are failing, the UK's 保険 貿易（する） 団体／死体 has 警告するd.

Stakeholder 製品s were introduced in a 企て，努力，提案 to instill a 貯金 habit into people on low and medium incomes, but sales have so far been disappointing.

によれば the 協会 of British 保険会社s, just £92m was 投資するd in stakeholder life and 年金 製品s during the second ４半期/4分の1 of the year.

The 人物／姿／数字 accounts for only a fraction of the £2.98bn which was 投資するd in life and 年金 製品s during the same period, a 13% 増加する on the 量 saved during the second ４半期/4分の1 of the previous year.

The stakeholder 範囲 of 製品s 含むs a cash Isa, a 部隊 linked 投資 製品, a smoothed 投資 基金 and a child 信用 基金. 告発（する），告訴（する）／料金s have been capped at 1.5%.

Chris Kenny, the ABI's director of life and 年金s, said: 'It is good news for savers and the 保険 産業 that 全体にわたる 貯金 人物／姿／数字s are up. But we must not be complacent.

'The stakeholder 範囲 of 貯金 製品s has so far failed to make any appreciable 衝撃, and there is much still to be done ーするために make the stakeholder 概念 work.'

The ABI said that the 1.5% cap meant that marketing and managing the 製品s was uneconomical for many 財政上の 会・原則s. Norwich Union recently 発表するd it was quadrupling the （売買）手数料，委託（する）／委員会／権限 it paid to 財政上の 助言者s who sold its stakeholder 年金s after sales of the 製品 fell.

The ABI's 人物／姿／数字s also show that during the second ４半期/4分の1 of the year 非，不，無 of the 貯金 and 投資 stakeholders were sold by IFAs.

The group is calling for the advice 政権 for selling the 製品s to be その上の 簡単にするd to 反映する the 'light touch' approach that was 初めは 想像するd for the 製品s by former Lloyd's 長，指導者 (n)役員／(a)執行力のある Ron Sandler, who first 提案するd them in his review of the 貯金 産業.

? Put a question about stakeholder 年金s to our パネル盤 of 専門家s in Ask an 専門家: 年金s.