Pensions Data for Snowflake

UK Consumer Pension Intelligence 2025 (Sample)

Overview

TFE Group Ltd. is the UK's leading market & competitive intelligence provider for financial services. Our Pension Intelligence dataset provides comprehensive insights into UK pension market behaviour through aggregated and anonymised consumer data collected monthly from thousands of consumers across ISA, credit card, pensions, mortgages, and investing verticals.

Dataset Description

This self-reported consumer behavioural segmentation dataset contains demographic data, pension provider data, and product preferences to identify growth segments, provider success among key demographics, segment trends, and personas for smarter marketing, retention, and strategy.

Key Features

Monthly Data Collection: Fresh insights from thousands of UK consumers
Comprehensive Coverage: Pension drawdown, annuity purchases, investment behaviours
Provider Intelligence: Track pension provider preferences and market share
Demographic Segmentation: Age groups, income brackets, and behavioural patterns
Investment & Withdrawal Patterns: Annual contributions, lump sum withdrawals, and investment decisions

Data Schema

Column Name	Data Type	Description
CURRENT_AGE	Varchar	Current age of the consumer
INCOME_RANGE	Varchar	Annual income range
PENSION_POT	Varchar	Total value of consumer's pension pot
ANNUAL_CONTRIBUTION	Varchar	Annual contribution amount to pension pot
LUMPSUM_PERCENT	Varchar	Percentage of pension pot taken as tax-free lump sum
WITHDRAWAL_AGE	Varchar	Age at which consumer plans to start withdrawals
ANNUAL_WD_CHOICE	Varchar	Annual withdrawal choice selected by consumer
BUY_ANNUITY	Varchar	Consumer intention to purchase an annuity
ANNUITY_PROVIDER	Varchar	Provider name for annuity products
ANNUITY_TYPE	Varchar	Type of annuity product (e.g., fixed, variable, escalating)
ANNUITY_COST	Varchar	Cost of annuity product being considered
ANNUITY_INCOME	Varchar	Expected annual income from annuity product
INVEST_DRAWDOWN	Varchar	Consumer intent to invest drawdown
INVEST_AMOUNT	Varchar	Amount being invested from drawdown
INVEST_DURATION_YEARS	Varchar	Duration of investment period in years
INVEST_RETURN_RATE	Varchar	Expected or assumed investment return rate
LEFTOVER_GROWTH_PERCENT	Varchar	Growth rate applied to remaining pension pot
CUSTOM_ANNUAL_WITHDRAWAL	Varchar	Custom annual withdrawal amount specified
CUSTOM_INFLATION_RATE	Varchar	Custom inflation rate assumption used
DRAWDOWN_USE_OPTION	Varchar	Selected drawdown usage option
ADDITIONAL_CONTRIBUTION_SELECTION	Varchar	Consumer selection for additional pension contributions
ADJUST_INFLATION_CHOICE	Varchar	Consumer preference for inflation adjustments
FOUR_PERCENT_INFLATION	Varchar	Use of 4% drawdown rule
FIXED_TERM_YEARS	Varchar	Number of years for fixed-term drawdown
SESSION_ID	Varchar	Unique identifier for consumer session

Business Use Cases

🧑‍🤝‍🧑 Audience Segmentation

Segment UK consumers by age, income, and pension pot size to understand wealth distribution and retirement planning behaviour.

📈 Demand Forecasting

Identify key segments and providers with significant data points to forecast pension product demand and market trends during key financial planning periods.

🎯 Customer Acquisition

Understand consumer preferences (annuity vs drawdown, risk tolerance) to tailor marketing strategies aimed at acquiring and retaining pension customers.

🗺️ Market Analysis

Gain comprehensive insights into the UK pension landscape, provider performance, and segment dynamics ahead of key market periods.

⚠️ Risk Analysis

Identify demographic and product risk sensitivities, including consumer response to inflation and market volatility.

📊 Sentiment Analysis

Track real-time sentiment towards pension providers and product types, identifying emerging trends and shifts in consumer preferences.

Example Queries

1. High-Value Pension Pots by Age Group

SELECT
    CURRENT_AGE,
    AVG(CAST(PENSION_POT AS NUMBER)) as avg_pension_pot,
    COUNT(*) as user_count
FROM PENSION_DATA
GROUP BY CURRENT_AGE
ORDER BY avg_pension_pot DESC;

2. Annuity Purchase Preferences

SELECT
    ANNUITY_PROVIDER,
    ANNUITY_TYPE,
    COUNT(*) as purchase_intent
FROM PENSION_DATA
WHERE BUY_ANNUITY = 'Yes'
GROUP BY ANNUITY_PROVIDER, ANNUITY_TYPE
ORDER BY purchase_intent DESC;

3. Investment Choices in Pension Drawdown

SELECT
    INVEST_DURATION_YEARS,
    INVEST_RETURN_RATE,
    COUNT(*) as investor_count
FROM PENSION_DATA
WHERE INVEST_DRAWDOWN = 'Yes'
GROUP BY INVEST_DURATION_YEARS, INVEST_RETURN_RATE
ORDER BY investor_count DESC;

4. Lump Sum Withdrawal Patterns

SELECT
    LUMPSUM_PERCENT,
    AVG(CAST(PENSION_POT AS NUMBER)) as avg_pot_value,
    COUNT(*) as customer_count
FROM PENSION_DATA
GROUP BY LUMPSUM_PERCENT
ORDER BY customer_count DESC;

5. Inflation Sensitivity by Age Group

SELECT
    CURRENT_AGE,
    ADJUST_INFLATION_CHOICE,
    COUNT(*) as total_customers
FROM PENSION_DATA
GROUP BY CURRENT_AGE, ADJUST_INFLATION_CHOICE
ORDER BY CURRENT_AGE, total_customers DESC;

Data Limitations

What This Data Does NOT Include:

Real-time updates for immediate sentiment shifts
Detailed timeframe data (seasonal shifts)
Provider name normalisation (available via API)

Getting Started

Access the Dataset: Available through Snowflake Marketplace
Explore Sample Queries: Use provided examples to understand data structure
Customise Analysis: Adapt queries for specific business needs
API Integration: Contact TFE Group for provider name normalisation via API

Support & Contact

For technical support, additional data products, or custom analytics solutions, contact TFE Group Ltd.