Financial Conduct Authority’s Post

'Burdens', 'barriers'? Must say, I don't think it is appropriate for regulators to adopt the language of politicians and finance lobbies when talking about regulation. Interesting comments about private credit. Financial regulators do face a difficult job trying to balance protecting system and consumers, and enabling 'innovation' and provision of services. IMHO, regulators often get it wrong by adopting permissive rather than more effective precautionary approach. Only intervening when left with no choice. Is FCA making this mistake with private credit? #FinancialRegulation #FinancialServices

Thank you Nikhil Rathi (Financial Conduct Authority CEO) for speaking at Association of Corporate Treasurers Annual Conference (#ACTAC24) in Liverpool this week. All the work you're doing to make markets better, fairer, more accessible is for the benefit of all participants; lowering risk premia, reducing corporate cost of capital, making the UK a more competitive market in the global landscape. And thank you also for asking me earlier about the work of #HousingAssociations like Peabody and others who provide and maintain more than 4 million homes to nearly one-fifth of our population in the UK. As Registered Providers of #socialhousing listed in the FCA Mutuals Public Register; overseen by the Regulator of Social Housing; funded by The Housing Finance Corp. Ltd., commercial banks and institutional investors as well as Homes England and Greater London Authority; with professional standards upheld by Chartered Institute of Housing; brought together under the National Housing Federation umbrella, we have some important shared aims and values with FCA and the Financial Services Consumer Panel. Housing Associations are profoundly driven to use our corporate status to benefit individuals. We raise funds and invest in homes to provide safe, warm, stable accommodation to renters and shared owners at affordable price points. We use our corporate risk-taking capacity to smoothen out the ups and downs of capital markets, property markets and the economic cycle. In so doing we make housing affordable for individuals who may not have the risk-taking appetite or who may choose not to take direct exposure to volatile property markets, whether for rent or ownership. We also have significant social impact and financial inclusion programmes that in recent times have never been more needed than now during the #costoflivingcrisis. As corporate treasurers are bellwethers of the UK economy, so housing providers are bellwethers of UK wellbeing. We're here to help and look forward to any collaboration opportunities. Joanna Bonnett, Malcolm Cooper, Stuart Case, Annette Spencer, Janet Legge, Ria Robinson, Clive Emerson FCA, James Winterton, Naresh Aggarwal, Sarah Boyce Bernadette Conroy, Kate Henderson, Gavin Smart, The G15, g320 - London's Smaller Housing Associations Group, A2Dominion Group, Clarion Housing Group, The Guinness Partnership, The Hyde Group, L&Q, Metropolitan Thames Valley, Notting Hill Genesis, Riverside, Southern Housing, SNG (formerly Sovereign Housing Association), Social Housing, Inside Housing, Housing Today

A bfinance report shows the opportunities in the PE secondaries market, with low pricing levels enforcing a “‘buyer’s market’ dynamic”. https://lnkd.in/gStP59t2 #bfinance #inflation #privateequity #secondaries #volatility

A tougher financial backdrop highlights the increasing importance of fundamentals in driving value. In particular, the resiliency of occupier markets means the opportunities resulting from shortages of stock and debt capital are growing. But where and by how much? These will continue to vary significantly around the world. https://lnkd.in/eg3mUuj6

Despite the reset of fixed income yields to much higher levels, how can investors be prepared for potential rate cuts while balancing the exciting opportunities that the market is presenting?  Jaina Varsani, CFA and Toby Bracey share each of their takes on the asset class with Anu Rajakumar on #nbdisruptiveforces https://lnkd.in/e975DCyh #FixedIncome #Investing #Market #BondsAreBack 

Coming into 2024, everyone knew that politics would dominate the headlines with around 1.5 billion people heading to the polls globally including important #elections in the UK, the US and Europe.   Markets inevitably anticipate or react to events. Where they are unexpected — as in France — #investors can react sharply: both government #bonds and the #euro sold off following the surprise decision.   Away from politics, this year's main focus for markets has been the timing and scale of interest rate cuts in the UK, US and Europe.   One lesson issuers should take away from the first half of 2024 — as they look to opportunities in the second half — is the importance of clear objectives, planning, and a flexible mindset, and working with a bank that has proven credentials in multiple markets.   Read the full story here: https://lnkd.in/e6uPDe4z   Brought to you by Hayley Basterfield, Global Head of Bond Syndicate & Liability Management and Nick Hughes, Head of Capital Markets, Lloyds Bank Corporate & Institutional, and Lloyds Bank #capitalmarkets #interestrates

💣 On average, finance professionals are more selfish, less trustworthy and more competitive than other people. They also show more narcissistic and psychopathic tendencies. 🙍♂️ This is partly caused by finance being dominated by highly educated males, but even when correcting for these factors, the findings hold true. Although I work in the financial sector, I am not speaking from experience, but based on this study and blog: https://lnkd.in/ePszyrVW https://lnkd.in/ekVUpT-U What a waste, that the average people deciding where money flows are more selfish than others! It seems symptomatic the Global Alliance for Banking on Values, a network of banks using finance to deliver sustainable economic, social and environmental development - which sound like non-selfish goals to me - collectively amounts to only 200 billion $ AUM, while the 100 largest banks had 111 trillion $ AUM at the end of 2022 (https://lnkd.in/eFcs2tQ8) ✔ To end on a positive note: there is a world to win in making money work for positive change. If you care about others, or sustainability, then bringing those values into the financial industry will likely have impact.

#Part18 #LearnTheArtOfInvesting How to Invest in Government Securities? Government Securities are issued by the government providing safe and secure returns. Open a brokerage account: You'll need to sign up with a trusted financial institution that deals with government securities. Explore your options: Check out the different types of government securities available, considering factors like how long you want to invest and how much risk you're comfortable with. Make your investment: Once you've decided, place your order through your brokerage account. Keep an eye on things: Stay updated on how your investment is doing and any important dates, like when it's set to mature or when you'll receive interest payments. Think about reinvesting: When your investment matures or you get interest payments, think about putting that money back into more government securities to keep growing your investment. Stay informed: Pay attention to what's going on in the economy and politics, as these can affect how your government securities perform. Remember to only invest money you can afford to potentially lose, and it's always a good idea to do some research or talk to someone knowledgeable before making big financial decisions. #investment #Governmentsecurities CC: Deepanshu Jindal

This Financial Times (£) article delves into the implications of what has been described as a ‘golden moment’ for private credit. To understand the full story behind the major trends in private credit be sure to read our latest Financing the Economy research here https://lnkd.in/ez8wVBc7 https://lnkd.in/gnBh2iRc #alternativeinvestments #privatecredit

Markets have been unnerved by a series of credit rating downgrades recently, most notably that of the US government. Winston Lim, our Head of Deposit and Wealth Management, explains the implications and discusses ways investors can manage their savings and investments in the latest edition of our “Rethink Your Wealth” series in The Sunday Times. #RethinkYourWealth #LeadersofUOB