Latest opinions that Luke Allchin has shared on Finextra

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Luke Allchin

Director - North America

RFI Global

Member since

03 Jun 2021

Location

London

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Luke's opinions

Mutual Funds vs Bonds: Shifting Household Strategies

As 2026 fast approaches, US households are rethinking their approach to investing. A mix of economic uncertainty, shifting attitudes toward risk, and evolving market perceptions is reshaping how everyday investors allocate their money. Data shows that this shift is fueling a surge in mutual fund investing. For financial institutions, this is more ...

14 October 2025 /wealth /retail

The Trillion-Dollar Gamble: Why Women Are Leaving Their Financial Advisors

A quiet but powerful shift is happening in wealth management. And if advisory firms don’t pay attention, it could cost them billions. I’m talking about women, specifically, women who inherit wealth after their spouses pass away. These women are increasingly walking away from the advisors they and their partners used for years. And it’s not bec

05 August 2025 /wealth /retail

The Rise and Fall of Liquid Wealth in the United States

New data shows that liquid wealth has declined significantly since 2022 after a steady increase since the pandemic. Why is this? And, with overall wealth rising, where are US investors putting their money? The pandemic drove liquid wealth to new levels The COVID-19 pandemic was a watershed moment for the global economy, and its effects are still ec...

31 March 2025 /wealth /retail Trends in Financial Services

Breaking Barriers: The Banks That Are Supporting Black Financial Inclusion

February is Black History Month in the US, a time to celebrate progress and highlight positive changes, including those happening within the financial industry. While we honor the achievements of Black Americans, we must also recognize the financial challenges that persist – for example, the data shows that 39% of Black households are either strug...

19 February 2025 /retail /inclusion Banking

How shifting US household dynamics are redefining life insurance

Life insurance, once a staple of financial planning for American households, is undergoing a quiet transformation, only half of US households have life insurance compared to three quarters 20 years ago. As life stages shift and household dynamics evolve, consumer sentiment towards life insurance has changed significantly since the start of the mil...

16 January 2025 /wealth /retail Banking

US Housing Crisis: The American Nightmare

The US housing market has stagnated over the past two years, primarily driven by the economic consequences of high mortgage rates, affordability challenges, and slow construction growth. Though mortgage rates are beginning to ease for borrowers, they remain significantly higher than before. This shift has left many potential buyers on the sideline...

11 November 2024 /retail /markets Banking

The Gig Economy and the Looming Retirement Crisis

The modern workforce is rapidly evolving, and with it, so is the way people plan for retirement. The days of working 9-to-5 in a full-time job with employer-sponsored benefits are becoming less common. Instead, we’re seeing the rise of the gig economy, where freelance, contract, and part-time work have replaced traditional employment for millions ...

28 October 2024 /wealth /retail Banking

The Future Is Hybrid: Meeting Consumers’ Evolving Financial Advisory Needs

US households are grappling with financial challenges at levels unseen since the 2008 financial crisis. Inflation, fluctuating markets, and economic uncertainty have forced many people to re-evaluate their financial plans, explore new financial products and even switch their financial providers. Yet, despite the rising need for financial advice, f...

10 October 2024 /wealth /retail Banking Strategy, Digital and Transformation

Why Financial Institutions Need to Engage in ESG

As the world becomes increasingly aware of the climate crisis, social inequalities, and corporate governance issues, consumers are demanding more responsibility from businesses, including banks and financial institutions. This shift didn't happen overnight, but the evolution of consumer attitudes towards environmental, social, and governance (ESG)...

26 September 2024 /wealth /sustainable Banking

Bridging the Gap: Financial Institutions' Role in Supporting Younger Generations' Retirement Goals

Retirement planning has always been a crucial aspect of financial health, but the approach to it has evolved significantly over the years. The generational divide in the US presents a fascinating landscape where Baby Boomers, Gen X, Millennials, and Gen Z each exhibit distinct attitudes and strategies toward retirement. Understanding these shifts ...

08 August 2024 /wealth /retail Banking