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Unit Linked Fund Structures

The aim of this disbanded Research Working Party was to undertake research to improve the understanding of recent developments and emerging trends in structuring unit-linked funds.

Areas which the Working Party will consider in its research are:

1). Current structures used:

  • how have unit linked fund structures developed over time?
  • What are the common fund structures which are used and what has driven the fund structure changes over time?

2). Risks and consumer protection:

  • what risks do different fund structures create for customers and would they understand the risks?
  • what consumer protections are in place for different fund structures, and how is this set through regulation?
  • how important is consumer protection in fund structures chosen?

3). The future landscape for UL funds

  • how might fund structures change in future and what will drive those changes?
  • what impact has auto-enrolment had and does that change the consumer protection angle (voluntary to in-voluntary product take-up)?
  • what is the future for unit-linked funds?

Outputs:

Chair Craig Smith
Membership 10
Established 2014

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Contact Details

If you want more information about this research working party please contact the Communities Team.

professional.communities@actuaries.org.uk

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