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The problem being though anon 09.35, is that yes some returns may have been greater in stock investments over the last 2 years but the shift is again changing. Recent stock market corrections and ultimately low interest rates still meant that making a consistent return above inflation through a Claimant's lifetime will be incredibly difficult. Yes, the last 2 years may have been better and the discount rate change helped this but you are only ever one stock market crash away from any level of 'risk' investment leaving a Claimant severely out of pocket. The insurance industry understandably is only looking at a short term picture because that is their only priority.