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Where is your scheme now?
In setting an investment strategy for a pension scheme, it is essential to consider the scheme as a whole, both assets and liabilities. The baseline for pension scheme investment performance is the liabilities of the scheme; there is little benefit in aiming to achieve a return on assets of 6% if the value of the liabilities is likely to increase by 9% over the same period.
This leads to our risk-centric approach to investment strategy. We work hard to understand each client’s specific circumstances and needs, to work with them to establish their ability to accept risk. This involves obtaining vital information about the scheme, the trustees and the employer, including expected benefit payment cashflows and detailed asset and contribution profiles.
Example Cashflow Chart
