Analytics

Reading redemption patterns before they erode AUM

Redemptions are a lagging pain but a leading signal. Decomposing them shows whether growth is real — and who is about to leave.

31 Aug 2026 · 6 min read

Rising withdrawals can hide inside healthy-looking AUM growth. We separated sales-driven growth from market movement and traced redemptions to specific customer and product behaviours.

Key takeaways
  • Attribute AUM change to sales vs market — growth of 65% was 105% sales-driven, revealing the real story.
  • Redemption-to-investment ratios expose risk: retail sat at 97% against a 79% average.
  • Products behave differently — money-market funds carried the highest redemption ratios.
  • No-load transactions redeemed far more often (84% vs 65%), a pricing signal worth acting on.

This insight comes from a real engagement.

Read the case study: From Confusion to Clarity →