TIP-ped for the top

Who is the target customer for TIPs? Do you see this changing as the product develops? i.e. guarantees come at a cost. Trustee investment plans (TIPs) developed as a product aimed at providing access to insurance company products and funds to the corporate market and pension trustees. However, more recently, they are increasingly being used as core investments within SIPPs, bringing them firmly into the retail market. They are also now providing a means to bring innovative insurance-based investment concepts into the pensions market. MetLife's TIP which is available through a SIPP was l...