Posts Tagged “EFI”

The Fund Industry’s future: a key to the retirement time bomb?

May 25, 2020

A view from the investors’ side; an article by Guillaume Prache, EFI -

Guillaume Prache will be speaking at FundForum International 28 June - 2 July 2020 in Monaco

The years to come may well be critical for the fund industry. The 2010 FundForum edition wisely includes interactive sessions between the industry and the end investors (its clients) on key issues such as investment approaches and regulation. We are grateful for this initiative.

Indeed, investment funds do provide a collective solution enabling end investors to diversify their portfolio and to benefit from continuous professional care. The fund industry has made great progress in the recent decades, and the European regulators have helped by creating the standardized pan-European UCITS and improving those with the recent UCITS IV Directive including such key new features as the “KID” (Key Information Document). At the same time, European citizens are likely to rely more and more on their personal investments to fund a longer retirement life;

  • as pay-as-you-go pension systems are reducing their benefits,
  • as defined benefit plans shrink and defined contribution ones (often fund-based) grow,
  • as Solvency II is pushing insurers further away from equity investments (and therefore unfortunately from sustainable long term investment performance),
  • and their clients further into unit-linked products. Read more »

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