Money
The ultra-wealthy just gained $49 trillion in wealth thanks to stocks
People walk by the New York Stock Exchange (NYSE) on June 18, 2024 in New York City.
Spencer Platt | Getty Images
A version of this article first appeared in CNBC’s Inside Wealth newsletter with Robert Frank, a weekly guide to the high net worth investor and consumer. Sign up to receive future editions, straight to your inbox.
The global population of people worth $30 million or more increased 8% in 2023, with much of the growth coming from the U.S., according to a new report.
There are now 426,330 individuals worth $30 million or more, known as ultra-high-net worth (UHNW) individuals, according to Altrata’s World Ultra Wealth Report 2024. Their total wealth surged by 7% to $49 trillion in 2023, helped mainly by the year-end stock rally.
In the U.S., the ultra-high-net-worth population increased 13%, to 147,950, meaning the U.S. now accounts for a third of the world’s ultra-high-net worth population.
Over the next five years, the UHNW population is expected to grow by 38% to 587,650, according to the report. Their combined fortunes will rise by $19 trillion — creating a massive new opportunity for companies that cater to the ultra-wealthy, according to the report.
“The market for personal luxury goods and lifestyle services has expanded rapidly, driven by the more varied interests and demands of a progressively diverse global UHNW population,” the report said. “There has been a similar trend across high-end real estate around the world, alongside an increasing focus on family wealth transfer planning and legacy transition amid a surge in first-generation wealth.”
The ultra-wealthy accounted for $118 billion in luxury spending in 2023, or about a third of the global luxury spending, according to the report. They have $38 trillion in investable assets (also about a third of the total) and account for $190 billion in charitable giving, representing 38% of all philanthropy.
New York has the world’s largest population of people worth $30 million or more, with 16,630. Hong Kong ranked second, with 12,546, followed by Los Angeles with 8,955 and Tokyo with 6,445.
The report said expected interest rate cuts and emerging growth industries are likely to continue to power UHNW wealth creation this year and next.
“There will be new and varied opportunities for wealth generation and asset diversification,” the report said. “These will be underpinned by structural trends such as the green-energy transition, advances in digitalization, expanded industrial incentives, rising urbanization and female labor participation in emerging markets, the ‘premiumization’ of consumption, and broadening adoption of generative AI.’”
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Money
The Morning Briefing: Aviva wealth net flows rise to £7.7bn and UK adults’ retirement confidence drops
Good morning and welcome to your Morning Briefing for Thursday 14 November 2024. To get this in your inbox every morning click here.
Aviva wealth net flows rise to £7.7bn as adviser platform grows
Aviva has reported that wealth net flows rose to £7.7bn in the third quarter of the year as demand for its adviser platform grows.
Platform net flows were up 76% to £3.1bn, reflecting strong growth in its financial adviser platform business including Succession Wealth and Direct Wealth.
Aviva said in a trading update today (14 Nov) that it has achieved another quarter of “strong delivery and profitable growth” across all areas the business.
UK adults’ retirement confidence drops since 2023
The confidence in UK adults’ ability to have enough capital during retirement has dropped since last year.
This is according to Nucleus UK Retirement Confidence Index which found that overall confidence is 4.6 in 2024 down from 6.9 in 2023.
Nucleus technical services director Andrew Tully said last year the figure was higher than the company expected it to be.
Out of the different age groups, it was the 35-44 and 45-54-year-olds with lowest retirement confidence, 3.7 and 3.8 respectively.
Get over the obsession with intergenerational planning
The narrative that advisers must secure the next generation to maintain assets under management seems shortsighted, writes Alistair Cunningham, financial planning director at Wingate Financial Planning.
Much has been made of the so-called Great Wealth Transfer, with predictions of trillions of pounds moving from the Babyboomer generation to their children in the coming years.
Many advisers are being urged to build relationships with the next generation in anticipation of this shift. But I think this is a distraction from where our efforts should be focused: looking after our current clients.
Quote Of The Day
Conflating a government goal of driving investment in the UK and people’s retirement outcomes brings a danger because the risks are all taken with members’ money. If it goes well, everyone can celebrate. But it’s clearly possible that it will go the other way, so there needs to be some caution in this push to use other people’s money to drive economic growth.
-Tom Selby, director of public policy at AJ Bell, comments on proposed pension ‘megafunds’ reforms set to be announced by the chancellor Rachel Reeves in maiden Mansion House speech tonight.
Stat Attack
ISA millionaire numbers have soared to a record high of 4,850, the latest annual figures show. A Freedom of Information (FOI) request by smart money app Plum has revealed the number of millionaires tracked by HMRC jumped almost 20% in 2022, from the 4,070 recorded the previous year. The average ISA millionaire today is sitting on a pot of £1,351,000.
The rise and rise of ISA millionaires
Year Number of investors with £1m+
2016 450
2017 740
2018 1,190
2019 2,000
2020 1,480
2021 4,070
2022 4,850
Source: Plum
In Other News
Isio has completed a £20m buy-in in with Utmost Life and Pensions. In collaboration with the scheme’s Trustee, and legal advisors DLA Piper, Isio led on brokering the deal and advising on the covenant of the scheme’s insurer.
The transaction supports the scheme’s de-risking objectives as well as marking a significant addition to the bulk purchase annuity (BPA) market, particularly at the smaller end where choice has often been limited.
Thomas Ridley, senior manager at Isio, said: “We’re thrilled to have played a part in this successful buy-in with Utmost, supporting the trustee in achieving a secure and stable outcome for the scheme. The team’s expertise in brokering and covenant advice helped the trustee make informed decisions and ensured an efficient process from start to finish.”
Gary Needham, head of BPA business development at Utmost Life and Pensions, added: “We are delighted to have had the opportunity to work with the Trustee and their advisers to successfully complete this buy-in and secure a positive outcome for their members. The speed with which the transaction was completed is testament to the collaborative and pragmatic partnership between all parties involved.”
Ian Aylward has joined AJ Bell as head of investment partnerships, bolstering its award-winning investments team.
Aylward’s role will see him focus on AJ Bell’s bespoke MPS for advised clients. Under the bespoke MPS proposition the AJ Bell Investments team build and manage portfolios tailored to individual specifications for adviser firms and their clients.
Prior to joining AJ Bell, he was head of manager selection and responsible investing at Barclays Private Bank and Wealth Management, having also previously held roles at Aviva and Skandia over more than 25 years in the industry.
Reeves to force UK council pensions to consolidate into 8 ‘megafunds’ (Financial Times)
Crypto market capitalisation hits record $3.2 trillion, CoinGecko says (Reuters)
Leading British actors call on chancellor to boost green investment in pensions (The Guardian)
Did You See?
Around this time last year, I wrote a column on how life has never been so tough for advisers. Unfortunately, this is still the case, argues Clive Waller, managing director at CWC Research.
In consideration of this, it might help to look at the wise words of that well-known business guru, Donald Rumsfeld:
“As we know, there are known knowns; there are things we know we know. We also know there are known unknowns; that is to say we know there are some things we do not know. But there are also unknown unknowns – the ones we don’t know we don’t know.”
Let’s consider some of the main issues today under those wise headings.
Read the full article here.
Money
Lidl Christmas Freeway Truck TRACKER: Free gifts and £100 shopping ‘Golden Tickets’ up for grabs as UK tour begins
The full route
The tour kicks off today in Dundee’s Slessor Gardens, followed by stops in Harrogate on Saturday and Hull on Sunday.
Lidl’s Christmas Freeway Truck hits the road!
Lidl’s Christmas Freeway truck is bringing festive cheer to towns and cities across the UK for the first time ever! From November 14th until December 1st, this mobile celebration will stop at nine locations, offering free gifts, food tastings, and plenty of holiday fun.
At each stop, the first 250 visitors will receive a special box filled with Middle of Lidl goodies. Plus, 1 in 10 boxes will contain a ‘Golden Ticket’ worth £100 towards your Lidl Christmas shop!
Visitors can also sample holiday treats like panettone, snowmallows, and alcohol-free mulled wine, and enjoy the Magical Wish-mas Booth to share their Christmas wishes.
Money
Fans Lose £346 on Average
Oasis Fans Hit by Costly Ticket Scams Amid Tour Frenzy, Bank Warns
Loyal Oasis fans, eager to secure tickets for the band’s highly anticipated reunion tour, have become prime targets for scammers, with victims losing an average of £346, according to new findings from Lloyds Bank. The bank’s analysis reveals that people aged 35 to 44 are most at risk, making up nearly a third (31%) of reported cases. In some cases, fans lost as much as £1,000 as scammers exploited the surge in ticket demand.
Lloyds’ data, gathered from reports made by customers across Lloyds Bank, Halifax, and Bank of Scotland between August 27 and September 25, paints a clear picture: fake advertisements and posts on social media accounted for over 90% of the ticket scam cases, with around 70% involving Oasis fans. Scammers typically use social media to post fake listings, offering discounted or “exclusive” tickets to sold-out events. After victims make an upfront payment, the scammers disappear, leaving fans with no tickets and a financial loss.
“Fraudsters Wasting No Time Targeting Oasis Fans”
Liz Ziegler, fraud prevention director at Lloyds, said, “Predictably, fraudsters wasted no time in targeting loyal Oasis fans as they scrambled to pick up tickets for next year’s must-see reunion tour.” She emphasized the importance of purchasing tickets directly from reliable sources: “Buying directly from reputable, authorised retailers is the only way to guarantee you’re paying for a genuine ticket.”
Ziegler also warned against using bank transfers to pay unknown sellers, especially on social media platforms, saying, “If you’re asked to pay via bank transfer, particularly by a seller you’ve found on social media, that should immediately set alarm bells ringing.”
New Fraud Reimbursement Rules Aim to Protect Consumers
The rise in scams comes as new mandatory reimbursement rules for authorised push payment (APP) fraud took effect last month. Overseen by the Payment Systems Regulator (PSR), the rules require banks to reimburse victims of fraud unless there is evidence of gross negligence by the customer. A reimbursement cap of £85,000 has been set, although banks may choose to refund higher amounts. The new protections apply to transactions made from October 7 onwards, offering an extra layer of security for victims.
Previously, a voluntary reimbursement code provided some relief for fraud victims, along with bank-specific refund guarantees. However, these new, more stringent rules mark a step forward in protecting consumers against payment fraud, helping to ensure that those tricked into transferring money to fraudsters have a better chance of recovery.
Tips for Avoiding Ticket Scams
With ticket scams spiking during high-demand events, Lloyds offers practical advice to help fans avoid falling victim:
- Purchase from Trusted Sources: Only buy tickets from official retailers or authorized resellers, avoiding unknown sellers on social media.
- Avoid Bank Transfers to Unknown Sellers: If a seller insists on a bank transfer, it’s a major red flag. Scammers prefer bank transfers because they’re hard to trace.
- Stay Alert as Event Dates Approach: Scammers often strike twice—first when tickets go on sale, and again as the event nears. Increased vigilance during these times can prevent potential losses.
The Oasis ticket scam surge is a reminder of the importance of secure purchasing and highlights the ongoing threat of fraud in high-demand markets. With new rules in place, fans who fall victim may now have better protection, but the best safeguard remains buying from trusted sources and staying alert to red flags in the digital marketplace.
Money
Thousands of people could be missing out on £2,212 going unclaimed in lost bank accounts – how to check if you’re one – The Sun
The government is urging 18 to 22-year-olds to come forward and claim an account with an average £2,212 waiting for them.
Right now, £1.4bn is sitting in Child Trust Funds that have matured but haven’t been accessed – forgotten cash that could make a huge difference to your finances.
“Many parents and children aren’t aware they even have the account, or don’t know who the money is with or how to track it down,” said Charlene Young, pensions and savings expert at AJ Bell.
If you were born between 1 September 2002 and 2 January 2011 and your parents received Child Benefit, chances are you have a Child Trust Fund Account (CTF) waiting for you.
CTFs were launched in 2005 to encourage parents to save for their kids’ future.
Most parents or guardians got a £250 voucher from the government to set up an account a CTF, or £500 if the family had a low income.
For those born after August 2010, your voucher may only have been £50.
Parents or guardians could add money over the years, enjoying tax-free growth. Even if they didn’t do anything with the voucher, the taxman may have opened an account on your behalf.
The cash has been growing all this time, and now, as those kids turn 18, they have a right to claim that CTF cash – averaging over £2,200 each.
The problem is, around a million people have no idea they have a CTF waiting for them.
“More than a quarter of CTF accounts were set up by the government because parents failed to do so within the 12-month window,” Ms Young said.
“This highlights why so many are unclaimed- as the parents either weren’t aware or won’t remember that an account was even set up for their child, let alone where the money is now.”
Last year, the government estimated that’s a whopping 42% of 18–20-year-olds haven’t claimed theirs.
How track down your CTF
Tracking down your Child Trust Fund is easy. The government has an online tool that will tell you which provider holds your account. Just go to www.gov.uk/child-trust-fund/find-a-chid-trust-fund.
If you’re 16 or over, you can look for your own CTF. Otherwise, a parent or guardian can track it down for you. All you need is your full name, address and date of birth.
Once you know which bank or investment firm holds your CTF, contact them for your account details.
Finding your own CTF is simple, so don’t be tempted by companies offering to do it for you.
Many will take up to 25% of your cash for just a few minutes’ work you could easily do yourself.
What to do with the money once you have it
After you’ve tracked down your account, think carefully about what you are going to do with your money.
If you’re lucky, you’ve just got a four-figure sum, and how you use it could help shape your future.
One option is to move the money into a Lifetime ISA. These tax-free accounts can be used to save for your first home or retirement, with the government throwing in a 25% bonus on anything you deposit.
So, the average CTF balance of £2,200 would jump to £2,750 if placed into a Lifetime ISA.
“If you then invested it to age 30, and it grew at 5% a year, even if you put nothing else in, it could be worth £5,005,” said Sarah Coles, head of personal finance at Hargreaves Lansdown.
If you added the full £4,000 Lifetime ISA allowance each year as well, by the time you were 30 you could have £75,000 towards your first home.
Another option is to boost your retirement by putting your CTF money straight into a pension.
“If you put £2,200 into a pension at 18 (and got basic rate tax relief on it) and it grow at 5% to the age of 70, it might be worth £35,353,” Ms Coles explained.
Or, use it to cut the cost of university.
Borrowing £2,200 on a student loan and leaving it unpaid for 39 years, with long-running RPI at 5.3%, compounding daily, would add up to £15,180 in interest alone, according to Ms Coles’ figures.
So, putting that £2,200 toward your student loan now could save you over £15,000 in interest in the long run.
“At this age £2,200 can make an enormous different,” Ms Coles said.
“Many people are at the stage in life when they are earning less – or nothing at all – and yet are still wrestling with horrible outgoings.
“It can transform everyday life, possibly by providing a rental deposit so you can afford to move out or repaying debts to get you back on track.
“It can help fund your studies, or it can be saved or invested for life’s milestones, from buying a house to retirement.
“It’s why it’s so essential people are reunited with this money, to give it a chance to make the difference at a time when it counts for so much.”
Avoid large fees
Even if your child isn’t 18 yet, it is worth finding their CTF now. If you don’t, you could find they have less cash when it matures due to the massive fees your CTF provider may be charging.
A report last year from the Public Accounts Committee found that many CTF providers charge huge management fees, with some taking 1.5% a year or charging high fixed fees. In contrast, many Junior ISAs charge just 0.25% in fees.
“If you have a Child Trust Fund worth £1,000 a £25 fee is equivalent to 5% a year, likely eating up most or all of your investment gains,” said Laura Suter, director of personal finance at AJ Bell.
“On smaller accounts the charges could even be worth more than the investment growth.
“One recently reported case saw an unfortunate saver left with just £12.39 in their account after charges.
“That’s about enough to drown your sorrows in a pint and pick up a kebab on the way home – you’ll need to walk though as there isn’t enough to cover the taxi too.”
Find your CTF and move it into a Junior ISA to cut fees and protect your cash.
Where to find the best savings rates
Many savings accounts offer miserly rates meaning that money is generating little or no return.
However, there are ways to get your cash working hard. Sun Savers Editor Lana Clements explains how to make sure you money is getting the best interest rate.
Easy access savings accounts offer flexibility for customers, meaning they can dip in and out of cash when needed. However, the caveat is that rates can change at any time.
If you’re keeping your money in an easy access account, you’ll need to keep checking whether it’s the best paying account for your circumstances and move if not.
Check in at least once a month to see what is happening in the market.
Check what is offered by your bank – sometimes the best rates are for customers only.
But do search the wider market as often top savings accounts are offered by lesser known providers.
Comparison sites are a good place to check for the top rates. Try Moneyfactscompare.co.uk or Moneysupermarket.
You can search by different account type. You’ll usually get a better interest rate if you can lock your money away for a fixed amount of time, but it’s always a good idea to keep some money in an easy access account in case of emergencies.
Don’t overlook regular savings accounts often pay some of the best rates, but you’ll need to commit to monthly payments. This can be a great way to get into a savings habit while earning top rates at the same time.
Money
UK Pension ‘Megafunds’ to Boost Economic Growth in Major Reform
Pension ‘Megafunds’ to Supercharge UK Economy in Major Reform Push
In an ambitious bid to overhaul the nation’s pension landscape, Chancellor Rachel Reeves has unveiled plans for what she’s calling the “biggest pension reform in decades.” The government aims to consolidate the UK’s 86 council pension schemes into a smaller number of “pension megafunds,” modeled after successful schemes in Australia and Canada. These large-scale funds are expected to drive billions of pounds into vital UK sectors like energy infrastructure, tech start-ups, and public services.
Building a British Model Based on Global Success
Reeves told the BBC that the current setup of UK public sector pension funds is too fragmented to yield strong returns for British savers. “Our pension funds in Britain are too small to be making the investments that get a good return for people saving for retirement and to help our economy to grow,” she emphasized.
In countries like Canada and Australia, pensions for local government employees—teachers, civil servants, and more—are pooled into a few large funds, allowing for significant global investments. “They probably have the best pension funds anywhere in the world,” Reeves said, aiming to replicate this successful model in the UK.
A Strategic Push to Drive Economic Growth
The new pension megafunds are part of Reeves’ broader strategy to drive economic growth. Her announcement comes on the heels of rising business discontent over the increase in employer National Insurance contributions, which were included in the Budget. While acknowledging the critiques, Reeves defended the move, saying, “I’m not immune to those criticisms, but it was necessary to increase taxes” to ensure public services are well-funded and the state’s finances remain stable.
The consolidation effort involves merging the council pension funds—which collectively hold £354 billion in assets and are currently managed by local government officials—into megafunds run by fund managers. Reeves highlighted that these larger funds would be encouraged to invest in their local economies, setting specific targets for local investment as part of their mandates.
Private Sector Reforms and Unlocking Billions for UK Investment
The government’s pension reforms also target the private sector, aiming to set minimum size limits for defined contribution schemes, which manage around £800 billion in assets. This move seeks to consolidate the 60 or so multi-employer schemes to create more efficient, high-yield investment opportunities.
If successful, the government’s plans could release a staggering £80 billion into the UK economy, according to their estimates. Reeves emphasized that the current situation, where Canadian and Australian pension funds hold significant investments in UK assets while British savers do not, “made no sense at all.” She added, “It’s about time British pensioners benefitted from the long-term growth opportunities that exist right here in the UK
Money
Get over the obsession with intergenerational planning
Much has been made of the so-called Great Wealth Transfer, with predictions of trillions of pounds moving from the Babyboomer generation to their children in the coming years.
Many advisers are being urged to build relationships with the next generation in anticipation of this shift. But I think this is a distraction from where our efforts should be focused: looking after our current clients.
The fact is, Babyboomers hold the majority of the wealth and, therefore, most of the need for financial advice. These are the clients we’ve built long-term relationships with and the ones who require our expertise now. Shifting attention to their children, who often don’t yet need this level of service, can pull efforts away from where we add the most value.
It’s also worth questioning whether focusing on the next generation is credible, as well as advisable.
The real value lies in continuing to focus on those who need us now. Our existing clients deserve our attention
In my experience, individuals often move away from their original adviser as their financial circumstances change. Life events such as an inheritance or windfall can prompt them to seek an adviser who is more in tune with their new financial needs.
I’ve observed several clients who, after coming into wealth, felt they had outgrown their previous adviser — often because that adviser specialised in areas like mortgages or basic financial planning, rather than wealth management. These clients realised their old adviser was no longer suited to handling the complexities of their evolving financial situation.
Wasted time and energy
The narrative that advisers must secure the next generation to maintain assets under management seems shortsighted.
The time and energy spent trying to engage the children of clients often don’t pay off. Many of them believe they can handle their finances through quick Google searches or AI tools like ChatGPT, which often offer outdated or inaccurate information.
It’s not about ‘winning’ clients from one generation to the next; it’s about making sure our current clients and their families are well cared for
Some online tools may work for basic financial decisions but they rarely hold up when real-life complexities arise. As professionals, we know how to filter out what’s useful and what’s not. But the next generation may not have the expertise to make these distinctions, which means much of our effort in chasing them is wasted.
Talking with peers who are part of this demographic, many don’t even feel they need professional advice yet.
Another factor to consider is that advice is not just about knowledge — it’s about trust. Boomers have developed a strong relationship with their adviser, built on years of trust and understanding. Their children, however, may not yet have that trust or relationship with us. Forcing those connections may feel transactional and a forced relationship can fall flat.
We should aim to help the people we know we can genuinely assist, rather than try to build quick, shallow relationships for the sake of a potential future.
Engaging with spouses
Where I do not disagree is about engaging all members of the current generation, particularly spouses, who, it is reported, are often overlooked in the advice process.
Spouses, especially women, are increasingly becoming the key financial decision maker in a family.
The time and energy spent trying to engage the children of clients often don’t pay off
In many cases, they may find themselves in control of family finances after the death of a partner. Yet many women feel disengaged from or underserved by the financial services industry.
A large percentage of women switch adviser within a year of their husband’s death, not because of a lack of interest but due to the industry historically catering to men, leaving many women feeling marginalised.
This is where our focus must shift — ensuring both partners are equally engaged in financial planning, not as a client acquisition tactic but because it’s simply the right thing to do.
Continuity of service is crucial. I have several widows as clients and I’ve seen how, when a partner dies, they can feel overwhelmed by the responsibility. This has never been a radical realisation for me, though. We have an ethical duty to make sure they’re prepared and supported during this difficult transition.
The fact is, Babyboomers hold the majority of the wealth and, therefore, most of the need for financial advice
For most relationships (second marriages can be a notable exception), the base position is usually that wealth is joint. So it’s not about ‘winning’ clients from one generation to the next; it’s about making sure our current clients and their families are well cared for.
In the end, while it may seem prudent to fixate on building relationships with the next generation, the real value lies in continuing to focus on those who need us now.
Our clients deserve our attention, and chasing the next generation may ultimately be a costly distraction from this core objective.
Alistair Cunningham is financial planning director at Wingate Financial Planning
This article featured in the November 2024 edition of Money Marketing.
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