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Barnett Waddingham
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Case studies: 2014 Archive

Asset Allocation - Risk Analysis

In 2013 the Trustees of a Charity asked us to use modelling to illustrate possible future investment returns and volatility resulting from the Charity’s current asset allocation, and then to suggest possible alternative asset allocations.

Splitting inflation and nominal interest rates

During early 2012, one of our schemes was constrained by the funding basis and the availability of contributions from the employer to the extent that it could not afford to reduce the level of risk and purchase additional protection at the current market price.

Innovative buy-out

We carried out an innovative buy-out for part of the Lloyd’s Superannuation Fund (LSF), a £500m multi-employer defined benefit scheme associated with the Lloyd’s of London insurance market.

Negotiating a termination deficit with an LGPS fund

This case study highlights a number of issues for employers who are Admission Bodies in the LGPS.

Changes in legislation and pension scheme benefit changes

Keeping up to speed with changes to comply with the legislative requirements can be extremely time consuming and require complex solutions. We can offer an alternative to hours of resource by providing tailor made on-site training days or workshops to help keep you and your team up to speed.

Negotiating better contract terms in the public sector

Our client was a public sector body with its own LGPS fund, who required us to negotiate better contract terms for the bidders. It demonstrates the benefit of the commercial focus we can bring to the public sector arena.

Long service and implications on annual allowance

We were asked to advise a leading University in relation to its senior staff. Particular issues arose with one senior staff member with long service and he had exceeded the Annual Allowance (AA) (£50,000) in each of the last 3 tax years.

Enhanced Protection

We were asked to advise a Managing Director of a leading global company who was expected to lose Enhanced Protection because of on-going benefit accrual. The pension issues were complex and required an urgent decision on whether to surrender Enhanced Protection in favour of Fixed Protection.

Lifetime allowance charges

We were appointed by an executive who faced the prospect of a lifetime allowance (LTA) charge because her benefits at normal retirement date would exceed the LTA.

Project management

Pension projects often involve short-term solutions but can also include detailed long-term planning projects. You may find yourself with a collection of projects which do not fit naturally with your day-to-day responsibilities and/or expertise.

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