Individual Savings Accounts Market Assessment 2005


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Published Date :
October 2005find similar
Report Type :
Market Assessmentfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
13 Chapters

Table of Contents

The table of contents below is for Individual Savings Accounts 2005

Executive Summary

1. Introduction

Background

Definition

Mini Isa

Maxi Isa

Tessa-only Isa

2. Strategic Overview

Market Dynamics And Segmentation

Market Sectors

Cash Isas

Table: Interest Rates Available On Selected Variable Rate, No Notice Required Cash Isas (provider Interest Aer), August

Table: Interest Rates Available On Selected Variable Rate, No Notice Required Savings Accounts (provider Interest Aer), August

Stocks And Shares Isas

Unit Trusts

Investment Trusts

Open-ended Investment Companies

Self-select Isas

The Current Status Of The Market

Overall Sales

Table: Sales Of Isas In The Uk By Volume (000), Financial Years Ending-2005

Figure: Sales Of Isas In The Uk By Volume (000), Financial Years Ending-2005

Cash Isas

Table: Movements In Interest Rates In The Uk (%),-2005

Stocks And Shares Isas

Table: Uk Equity Turnover And Ftse Index (£bn And Index),-2004

Table: Sales Of Gilts (£bn),/2001-2004/2005

Figure: Sales Of Gilts (£bn),/2001-2004/2005

Table: Net Sales Of Equity Isas† (£m),-2004

Figure: Net Sales Of Equity Isas† (£m),-2004

Life Insurance

Total Industry Value And Growth

Table: Market Value Of Funds In The Uk By Type Of Qualifying Investment (£m And %), As Atth April-2004

Figure: Market Value Of Funds In The Uk By Type Of Qualifying Investment (%), As Atth April

Distribution

Depolarisation

Competitive Structure

Cash Isas

Stocks And Shares Isas

Advertising

The Consumer

Who Is The Consumer?

Factors Affecting The Consumer

The Economy

Gross Domestic Product

Table: Uk Gross Domestic Product At Current And Annual Prices (£m),-2004

Unemployment

Table: Actual Number Of Unemployed Persons (million),-2004

Household Disposable Income

Table: Household Disposable Income Per Capita (£),-2004

Inflation

Table: Uk Rate Of Inflation (%),-2004

Household Savings Ratio And Consumer Confidence

Table: Household Savings Ratio† (%),-2004

Table: The Average Amounts Adults Are Confident Spending To Purchase Expensive Items (£ And %), November, February, May And August

Pensions Crisis

The Property Market

Table: Mortgage Equity Withdrawal (£m And %), -2004, And Quarter And

The Reputation Of The City

Market Forecasts

3. Cash Isas

Background

Market Size

Table: Market Value Of Cash Isas In The Uk By Type Of Qualifying Investment (£m And %), As Atth April-2004

Figure: Market Value Of Cash Isas In The Uk By Type Of Qualifying Investment (£m), As Atth April-2004

Consumer Trends

Table: Most Important Reason For Choosing A Bank/building Society (% Of Respondents),

Marketing Activity

Advertising

Main Media Advertising Expenditure

Table: Main Media Advertising Expenditure On Mini Cash Isas (£000), Years Ending June And

Distribution

Table: The Uk Branch Network Of The Major British Banking Groups (number Of Branches),-2003

Table: Number Of Branches Operated By Building Societies In The Uk (number And),-2003

4. Stocks And Shares Isas

Background

Market Size

Table: Market Value Of Stocks And Shares Isas In The Uk By Type Of Qualifying Investment (£m And %), As Atth April-2004

Figure: Market Value Of Stocks And Shares Isas In The Uk By Type Of Qualifying Investment (£m), As Atth April-2004

Consumer Trends

Table: Consumers Who Are Considering Taking Out An Isa In The Coming Year Via A Fund Manager Or Funds Supermarket (% Of Respondents),

Marketing Activity

Advertising

Main Media Advertising Expenditure

Table: Main Media Advertising Expenditure On Stocks And Shares Isas (£000), Years Ending June And

Distribution

Table: Uk Funds Under Management By Company Listing By Isa Funds Ranking (£), August

5. Self-select Isas

Background

Market Size

Table: Uk Users Of Independent Services On The Internet By Volume (million Users And %),-2004

Figure: Uk Users Of Independent Investment On The Internet By Volume (million Users),-2004

Consumer Trends

Table: Penetration Of Consumers Who Use The Internet For Savings And Investments (% Of Respondents Who Use The Internet For Managing All Or Some Of Their Finances),

Marketing Activity

Advertising

Main Media Advertising Expenditure

Table: Main Media Advertising Expenditure On Stockbroking/share Dealing Online (£000), Years Ending June And

Distribution

6. An International Perspective

The Global Market

The Us

401 (k)

Individual Retirement Arrangement

Health Savings Accounts

Savings Bonds

Europe

Compulsory Savings

Competitor Environment

7. Pest Analysis

Political Factors

Economic Factors

Social Factors

Table: Number Of Individuals Subscribing To Cash And Stocks And Shares Isas By Income And Subscription Amount (£),-2002

Technological Factors

8. Consumer Dynamics

Introduction

By Product Type

Table: Isa Options Consumers Are Most Likely To Choose By Product Type (% Of Respondents),

By Distribution Channel

Table: Isa Options Consumers Are Most Likely To Choose By Distribution Channel (% Of Respondents),

Most Important Factors

Table: Factors Consumers Take Into Account When Deciding Who To Open An Isa With (% Of Respondents),

Those Not Planning To Take Out An Isa

Table: Consumers Who Are Not Considering Opening An Isa In The Coming Year (% Of Respondents),

9. Company Profiles

Introduction

Abbey

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

Barclays Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

The Co-operative Bank Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

Fidelity International

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

Hbos Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

Hsbc Holdings Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

Invesco Perpetual

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Future Company Developments

Legal & General (unit Trust Managers) Ltd

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

Lloyds Tsb Group Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Appointments

Advertising

Profitability

Future Company Developments

Nationwide Building Society

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

New Star Asset Management Ltd

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

Prudential Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

The Royal Bank Of Scotland Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Research

Appointments

Advertising

Profitability

Future Company Developments

10. The Future

The Economy

Gross Domestic Product

Table: Forecast Uk Growth In Gross Domestic Product In Real Terms (%),-2009

Inflation

Table: Forecast Uk Rate Of Inflation (%),-2009

Unemployment

Table: Forecast Actual Number Of Unemployed Persons (million),-2009

Forecasts

Table: The Forecast Market Value Of Funds In The Uk By Type Of Qualifying Investment (£m And %), As Atth April-2009

Figure: The Forecast Market Value Of Funds In The Uk By Type Of Qualifying Investment (£m), As Atth April-2009

Demographics

Table: Projected Uk Population By Age (000),, And

Mergers And Acquistions

11. Consumer Confidence

Methodology

The Willingness To Borrow

Table A: The Average Amount Consumers Are Willing To Borrow In Order To Purchase Expensive Items At Current And Constant November Prices (£ And £bn), November, February, May And August

The Desire To Borrow Is Waning

Table B: The Number Of Adults Willing To Borrow In Order To Purchase Expensive Items (000 And %), November, February, May And August

The Willingness To Spend From Savings

Table C: The Average Amount Consumers Are Willing To Spend From Savings In Order To Purchase Expensive Items At Current And Constant November Prices (£ And £bn), November, February, May And August

Confidence Is Fragile

Table D: The Average Amounts Adults Are Confident Spending To Purchase Expensive Items (£ And %), November, February, May And August

The Extremes Contract

12. Further Sources

Associations

General Sources

Government Publications

Other Sources

Bonnier Information Sources

Other Reports