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Confidence in the UK economy has fallen by 10% in Q4 2011 with financial advisers giving it an average score of 4.58 out of 10 (10 being most confident) compared to 5.1 in Q3 2011 according to Skandia’s latest Adviser Confidence Barometer*.

Nearly a third of international financial advisers believe Emerging Market Equities will continue to offer the best prospects for investment returns over the next 12 months, according to the latest international adviser confidence research* conducted by Skandia International.

People may not realise, but when they reach age 75, the retirement options they are using, or are expecting to use, may no longer be available to them. Instead, they may find they are stuck in outdated and inflexible pension contracts. People should take action to review their existing pension arrangements now, before they reach age 75, to help ensure they understand whether the options available to them will meet their longer term requirements.

The Investment Management Association’s proposal to enable investors to compare managed funds based on risk data is a positive development but in its current form is too restrictive and will not enable people to determine whether a fund’s risk level is aligned to their own individual attitude to risk, according to Skandia.

Investment specialist Skandia is hoping to score a ‘gamification’ hit through an online game that combines the principles of football and investment and offers high value prizes.  The game is free to play and registration can take less than a minute by using the ‘lucky dip’ options – http://www.fantasyfundfootball.co.uk/