Probably have a substantially better idea than you nickoo, but chestbeating aside the same can be said of many companies. IT companies are worse.
One of the things going FOR amp is the 'stickiness' of its business. Yes, they could leave but to go where? And since AMP opened up distribtion to a substantially wider range of products other than its own its able to show peeved clients that things aren't a whole heap better elsewhere.
In the world of superannuation, name the alternative currently EASILY available for Mr & Mrs Joe Average, they don't even understand super, little less how to change funds.
I agree that the UK capital guarenteed products are the big problem now for the AMP but there are some bloody solutions it can enact.
In the meantime if things get real we wont be talking about AMP much because of the carnage that will be occurring at the banks, imo
Cheers,
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