Regaining a healthyappetite

Recent trends show that the offshore with-profits market has fared better than onshore. This raises the question of whether the offshore with-profits experience will follow that of onshore. A more general question for both types is, what next? It has been well documented that the bear market was extremely damaging to a number of with-profits providers, which has led to disappointed consumers and a general willingness to criticise the with-profits market as a whole. Until recently, there has been little attempt to distinguish strong providers from weaker ones. Investor disappointment came ...