Institutional Behavioural Intelligence

Discover How UK Households Save, Invest, Protect, Inherit and Retire.

Proprietary, first-party behavioural data across ISAs, investments, pensions, protection and inheritance. Built for product strategy, market analysis, and competitive intelligence.

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8,422+
Households Modelled
57+
Providers Tracked
13
Months of Data
100%
First-Party Data
What We Do

Behavioural Intelligence Across the Wealth Cycle

We power intelligence across wealth advisers, IFAs, pension, protection and ISA providers, and consultants with real-time first-party behavioural intelligence and insight from across the UK household wealth cycle.

ISA
Accumulation
Investing
Growth
Protection
Insurance
Inheritance
Estate
Drawdown
Decumulation
Lifecycle Coverage

The Full Household Wealth Lifecycle

Our dataset tracks consumer behaviour across four life stages, giving you a complete view of how capital moves through the UK wealth system.

▶
▶
▶
▶
Wealth Lifecycle
Continuous cycle of UK household capital
1
Starting Out
ISA openings, SIPP investments, first-time saving and investing
Accumulation
2
Maturing
Investment growth, protection calculations, portfolio building and evolving wealth needs
Growth & Protection
3
Advanced
Inheritance planning, estate transfers, intergenerational wealth flows
Transfer
4
Retired
Drawdown timing, withdrawal behaviours, income strategy decisions
Decumulation
Who We Are

Founded by Financial Services & AI Leaders

Wealth Intelligence is the commercial intelligence platform of TFE Group Ltd, built by a team with deep experience across financial services data, AI strategy, and consumer intelligence.

8,422+
Households Modelled
57+
Providers
4
Lifecycle Stages
Our Approach
TFE Group builds proprietary consumer tools that generate unique behavioural datasets — powering Wealth Intelligence with data no one else has. Our team brings experience from senior data and AI strategy roles across financial services.
Data Principles
No PII at source. No third-party data purchases. No survey panels. Every data point reflects a real consumer action on a TFE Group platform.
The Dataset

Proprietary, First-Party Behavioural Data

Not survey panels. Not synthetic estimates. Real decisions from real UK consumers using TFE Group's proprietary financial planning tools.

8,422+
Total Households Modelled
57+
Providers Tracked
13
Months of Data
Monthly
Refresh Cadence

Every data point is captured from first-party consumer interactions on TFE Group's proprietary network of financial modelling tools. Users actively research ISA providers, pension drawdown options, and investment strategies. No PII is stored. No data is purchased from third parties.

First-Party Data No PII at Source Proprietary Collection Monthly Refresh
Strategic Applications

How Institutions Use This Data

From product development to competitive positioning, our intelligence supports decisions across your organisation.

ISA Switching Intelligence
Track where ISA customers are moving capital. Identify which providers are gaining and losing share, and which product features drive switching behaviour.
Product Strategy
Drawdown Timing Analysis
Understand when and how pension holders access their pots. Withdrawal age distributions, tax-free cash uptake rates, and drawdown purpose analysis.
Market Analysis
Behavioural Segmentation
Data-driven personas based on real financial decisions. Understand who your customers are, how they behave, and what drives their choices.
Customer Intelligence
Retention Risk Signals
Identify capital leakage patterns before they materialise. Monitor cross-wrapper flows and competitive switching signals to protect your book.
Retention
Acquisition Opportunity
Discover inflow opportunities through capital movement analysis. Understand where new money is entering the market and which segments are underserved.
Acquisition
Competitive Benchmarking
Provider-level market share data with month-on-month momentum. See how your organisation ranks against competitors across ISA and pension products.
Market Intelligence
Accumulation Intelligence

ISA Market Data Preview

Live behavioural data on ISA capital allocation, wrapper rotation, and provider competitive positioning.

X,XXX
Households Modelled
£25,256
Mean Opening Amount
5.7%
Transfer Intent
90.8%
Cash ISA
/
9.2%
S&S ISA
ISA Provider Market Share
# Provider Share MoM
1 Nationwide ██% ██
2 Lloyds ██% ██
3 Trading 212 ██% ██
4 NatWest ██% ██
5 Halifax ██% ██
Rate Sensitivity
3.91%
Market Avg Rate
15%
Seeking ≥4.5%
Rate Sensitivity Data
Full rate sensitivity analysis available in the ISA Intelligence report
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Demographics
20.7%
Under 35
64.4%
First-Time ISA
Key Signal
Wrapper rotation shifting toward Cash. Cash ISA allocation up to 90.8%, S&S down -7.2pp to 9.2%.
Request Full ISA Intelligence
Decumulation Intelligence

Pension Drawdown Data Preview

Withdrawal strategy adoption, tax-free cash uptake, pot sizing, and retirement planning signals.

X,XXX
Households Modelled
£471,667
Mean Pension Pot
61.5
Mean Withdrawal Age
XX%
4% Rule Adoption
Withdrawal Strategy Split
XX%
4% Rule
XX%
Custom Rate
XX%
Annuity
Strategy Breakdown
Full withdrawal strategy analysis available in the Pension Intelligence report
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Tax-Free Cash & Demographics
0.0%
Max 25% Tax-Free
50.0%
Under 60
Drawdown Purpose
Fund Retirement
83.3%
Other
12.5%
Self-Invest
4.2%
Pot Distribution
Under £50k
4.2%
£50k–£100k
4.2%
£100k–£200k
12.5%
£200k–£500k
29.2%
£500k–£1M
45.8%
Over £1M
4.2%
Key Signal
Withdrawal strategies are split: 40.0% systematic (4% rule) vs 60.0% custom rates, with systematic adoption losing ground (-6.0pp). Early planning demand visible: 50.0% under 60, mean withdrawal age 61.5.
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Sample Report

See the Full ISA Intelligence Report

Download a real Wealth Intelligence ISA report with all data values redacted. See the exact format, depth of analysis, provider rankings, segment breakdowns, and actionable intelligence your team would receive each month.

Download Sample Report
Full Report Format Redacted Data No Sign-Up Required
Competitive Intelligence

Platform & Provider Data Preview

Switching behaviour, provider market share dynamics, and competitive positioning across ISA and pension platforms.

5.7%
Transfer Intent
57+
Providers Tracked
X.XX%
Avg Rate
/
XX%
Seeking ≥4.5%
Rate Sensitivity
XX%
Cash-to-S&S Rotation
ISA Provider Market Share
# Provider Share MoM
1 Nationwide ██% ██
2 Lloyds ██% ██
3 Trading 212 ██% ██
4 NatWest ██% ██
5 Halifax ██% ██
6 Barclays ██% ██
7 Vanguard ██% ██
8 Santander ██% ██
Provider Market Share Distribution
Provider A Provider B Provider C Provider D Others
Provider Distribution
Full provider market share breakdown available in reports
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Switching & Competitive Dynamics
Transfer intent is low at 5.7%. Gaining share: Lloyds (+6.6pp), NatWest (+5.9pp), Halifax (+2.8pp). Losing share: Vanguard (-2.3pp).
Request Full Platform Intelligence
Data Sources

Consumer Platforms Powering the TFE Dataset

Our behavioural data is collected from a proprietary network of consumer-facing financial planning tools, each capturing real decision-making signals.

ISA Comparison Tools
Cash ISA and Stocks & Shares ISA calculators capturing provider preferences, deposit amounts, and switching intent
Pension Drawdown Planners
Retirement income calculators tracking pot sizes, withdrawal timing, tax-free cash decisions, and drawdown purpose
Insurance & Protection Modellers
Life insurance, income protection, and critical illness calculators revealing coverage needs and risk appetite
Inheritance & Estate Tools
Estate planning calculators capturing inheritance tax thresholds, gifting behaviours, and intergenerational wealth transfer patterns
Investment Planning Tools
SIPP and general investment calculators tracking contribution levels, risk preferences, and platform selection
Household Finance Planners
Cross-product tools capturing savings-to-investment pathways, debt-to-wealth transitions, and overall financial health signals
Latest Insights

Research & Market Analysis

Free intelligence from our research team — covering ISA flows, pension trends, and household wealth dynamics across the UK market.

UK ISA Market Intelligence: February 2026 Capital Flow Analysis
ISA Market
UK ISA Market Intelligence: February 2026 Capital Flow Analysis
Our latest ISA market intelligence reveals significant shifts in capital allocation across Cash and Stocks & Shares ISAs. Transfer intent has risen sharply among younger demographics, with provider switching accelerating ahead of the new tax year.
2026-02-28
 UK Pension Drawdown Market: Withdrawal Strategy Trends for Wealth Managers
Pension Market
UK Pension Drawdown Market: Withdrawal Strategy Trends for Wealth Managers
Pension drawdown behaviour is shifting. Our data shows the 4% rule adoption declining as retirees opt for more flexible withdrawal strategies. Tax-free cash usage patterns reveal significant planning opportunities for advisers.
2026-02-24
 UK Household Wealth Behaviour: The Accumulation-Decumulation Cycle
Household Wealth
UK Household Wealth Behaviour: The Accumulation-Decumulation Cycle
Understanding the full household wealth cycle is critical for advisory firms. Our combined ISA and pension data reveals how UK households are simultaneously building and drawing down wealth, and what this means for AUM protection.
2026-02-18
View All Insights
March 2026 Reports Available Now
Institutional Intelligence

March 2026 Intelligence Reports

Single-report access to structured behavioural datasets, commercial recommendations, and actionable market signals.

50% Off
Two Reports for the Price of One
Buy any report before 15 March 2026 and get the complete February 2026 report free. 773 users, 36+ providers.
6 days left
ISA Intelligence Report
Provider share rankings, capital flow signals, and switching intent data across 57+ UK savings providers.
£599
Single report | March 2026 dataset
  • Provider market share rankings with MoM deltas
  • Cash vs S&S wrapper split and momentum
  • Transfer intent & switching rate analysis
  • Age, income & deposit demographic breakdowns
  • 6 ISA behavioural personas with commercial actions
  • Ready-to-use market communication templates
  • Full data tables and exportable charts
Access ISA Intelligence | £599 Download Sample Report ↓
Most Complete
Household Wealth Intelligence
The complete dataset. ISA, pension, and cross-wrapper household wealth data combined into a single institutional intelligence product.
£999
Full dataset access | March 2026
  • Everything in ISA + Pension reports
  • Accumulation & Decumulation Index gauges
  • AUM leakage score & acquisition signals
  • Cross-wrapper capital flow analysis
  • HNW household wealth intelligence
  • Strategic conversation topics with talking points
  • All 12 personas (ISA + Pension) with actions
  • White-label comms pack (emails, social, newsletters)
  • Commercial action recommendations by segment
Access Full Intelligence | £999 Download Sample Report ↓
Pension Drawdown Intelligence
Withdrawal strategy trends, pot size distribution, and retirement timing data from real UK pension drawdown decisions.
£599
Single report | March 2026 dataset
  • Withdrawal strategy trends (4% rule, ad-hoc, natural yield)
  • Pot size distribution & wealth polarisation signals
  • Tax-free cash usage & lump sum patterns
  • Drawdown age and retirement timing data
  • 6 pension behavioural personas with commercial actions
  • Ready-to-use market communication templates
  • Full data tables and exportable charts
Access Pension Intelligence | £599 Download Sample Report ↓
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