Published Materials

The materials on this website - known as The Risks in Life Series - are for personal, non-commercial use. They are intended to provide financial wellbeing guidance for people, and research and insights for organisations, aimed at inspiring change and improving fair financial futures.

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Fact Sheets

6 Moments That Matter and 12 Perils & Pitfalls Fact Sheet for Women

This Fact Sheet provides a two page overview of the 6 Moments That Matter and 12 Perils & Pitfalls for women’s Financial Life Journeys.


Guides for People

6 Moments That Matter – Controlling Your Financial Future

Financial wellbeing guide for girls and women to recognise economic abuse and to support survivors to take back control of their financial lives. To be published shortly.

6 Moments That Matter for Women – 12 Tips to Help Manage Your Money and Your Life Through Beyond Covid-19

A financial wellbeing guide highlighting the impacts of COVID-19 on girls' and women's Financial Life Journeys with 12 tips to help take stock of and secure financial futures.


6 Moments That Matter – How to Secure Your Financial Future

A financial wellbeing guide for girls and women to help improve Financial Life Journeys in the 6 Moments That Matter. (Published as part of Insuring Women’s Futures.)


Insight & Change Reports

The Economic Abuse Threat Facing Girls & Women in the UK

6 Moments That Matter in the Lives of Female Survivors, A Person-Led Approach for the Financial Services Sector in Empowering & Supporting Customers & Employees. This report has been developed for Surviving Economic Abuse, with Nicola Sharp-Jeffs.


Insuring Women’s Futures Impact Report

Our Manifesto one year on, what’s changed? (Published as part of Insuring Women’s Futures.)


Living a Financially Resilient Life in the UK Beyond Covid-19

This report is an update to the full Insuring Women’s Futures Manifesto. It highlights the gendered impact of the pandemic on healthy wellbeing, work-life wellbeing and financial wellbeing and illustrates how Covid-19 has impacted girls’ and women’s Financial Life Journeys. The 6 Moments That Matter are used to identify priority “build back fairer” actions by individuals, employers, financial services and policymakers. (Published as part of Insuring Women’s Futures.)


Living a Financially Resilient Life in the UK

This report is the full Insuring Women’s Futures Manifesto, developed from feedback from the Market Task Force workstreams. It uses Female Personas based on Risks in Life data analysis and the 6 Moments That Matter to identify systematic interventions to improve women’s whole Financial Life Journeys designed to improve financial resilience for the whole of society. (Published as part of Insuring Women’s Futures.)


Solving Women’s Pension Deficit to Improve Retirement Outcomes for All

This analyses Women’s Pensions Life Journey to ascertain the root cause of Women’s Pension Deficit and puts forward recommendations to close the Gender Pension Gap. (Published as part of Insuring Women’s Futures.)


Securing the Financial Future of the Next Generation

An analysis of women’s and men’s financial lives using risk assessment techniques to identify the top Risks in Life leading to women’s financial resilience gap. (Published as part of Insuring Women’s Futures)


Risk, Exposure and Resilience to Risk in Britain Today

An initial research report to confirm and evidence women’s relative lack of financial resilience. (Published as part of Insuring Women’s Futures.)


Additional Data Source References

Where included Data sourced Source reference
Peter’s Moment That Matter – Parenthood & Becoming a Carer £5,545 - cost of caring for an elderly relative at home (lost earnings/ money spent. A fifth of over-45s expect to leave work to become carers, Women more likely to cut their careers short to look after relatives, reporting Fidelity Modern Life Report October 2019
44% of working carer’s struggle to balance work and caring roles, 9% of carers say their employer offers paid leave. Supporting working carers, How employers and employees can benefit, CIPD June 2020.
12% of UK adults have Lasting Powers of Attorney in place to provide for their becoming incapacitated. [Noting a further 6% said they had engaged a solicitor to do so during the pandemic.] Canada Life, September 2020
Ashley’s Moment That Matters – entering & Re-Entering the Workplace 50% of all employees will need reskilling by 2025. Future of Jobs Report, World Economic Forum, October 2020.
5 of the top 10 skills for future jobs relate to problem solving with growing demand in technology and business development.
£100,000 – the pension pot gap at retirement for a 30 year old on an average salary with a 3% versus a 6% employer pension contribution. Aegon research reported in Actuarial Post.
Self employment has increased by over 50% since 2000, most working for themselves or running their own business. Trends in self-employment in the UK. Analysing the characteristics, income and wealth of the self-employed, ONS February 2018.
Just 18% of self-employed people contributed to a private pension in 2018, down from 48% in 1998. Retirement saving of the self-employed, Institute for Fiscal Studies, October 2020.
Gary’s Moment That Matters – Ill-health, Infirmity & Dying 9% of people have income protection insurance despite a minority of employers offering sick pay above the statutory minimum Income protection explained, Find out how income protection works, and why it's the one protection product every working UK adult should consider buying, Which December 2020.
More than 1 in 4 adults who had experienced job loss or unemployment felt unsupported at the time. State of a Generation: Upheaval, uncertainty, and change, Themes of adulthood - A study of four life transitions and their impact on our mental health. Mental Health Foundation.
18% of people with mental health problems are in problem debt. Money And Mental Health: The Facts, 2019.
30% of people in financial difficulty admit they wait three to four years before reaching out for debt advice. A third of people wait up to four years before getting debt help, PayPlan, October 2018.
Over 1.6 million pension pots worth £19.4bn are “lost” significantly because of not keeping track after leaving an employer. Lost pensions: what’s the scale and impact?, Pension Policy Institute, Briefing Note 109, 2018.

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