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Barnett Waddingham
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    About us

    With more than 1,700 people in ten offices, we work to deliver on our values and our promise, ensuring the highest levels of trust, integrity and quality.

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    About us - Spotlight

    Risk Evolves acquisition expands BW’s risk expertise

    Deepening our expertise in cyber security, data protection, governance and compliance.

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  • Expertise

    Expertise

    We are free from any external stakeholders, allowing us to take a long-term view with all our clients and giving us the freedom to bring fresh ideas to the table, unobstructed.

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    Risk

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    Risk technology

    Risk technology

    • Risk Portal
    • Board evaluations (BoardClic)
    • Carbon emissions reporting (CARAT)
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    • Real-time decisions (Swarm AI)
    • Risk management software (Celestia Risk)
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    Risk - Spotlight

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    BW Risk Portal

    Access over 1,000 hours of risk management content, guidance and training, covering more than 20 risk management topics.

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    Pensions and benefits

    • Administration
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    Pensions and benefits tools

    Pensions and benefits technology

    • Benefits platform (4me)
    • DB technology (Illuminate)
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    • LGPS guides (Enlighten)
    • LGPS technology (Online tools)
    • Pensions governance tool (BW CORE)
    • Pension self-service
    • Online trustee analytics (Insight)
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    Expertise - Spotlight

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    DB endgame planning

    We help trustees, employers and advisors buy into the same cohesive vision.

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    Insurance

    • Actuarial support for insurers
    • Interim recruitment and project resourcing solutions
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    Technology for insurers

    Technology for insurers

    • Insurance technology
    • Capital modelling (validateR)
    • KIDs for PRIIPs
    • SCR calculator (SIIMPLIFY)
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    Insurance - Spotlight

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    Bulk annuity provider services

    We offer a comprehensive set of knowledge and services to the BPA provider market.

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    Investment

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    Investment - Spotlight

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    Our investment philosophy

    Discover how we build robust investment portfolios and how we help our clients to implement them.

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    Technology

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    Insurance sector

    • Insurance technology
    • Capital modelling (validateR)
    • KIDs for PRIIPs
    • SCR calculator (SIIMPLIFY)
    Insurance technology Capital modelling (validateR) KIDs for PRIIPs SCR calculator (SIIMPLIFY)
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    Pensions and benefits

    • Benefits platform (4me)
    • DB technology (Illuminate)
    • DC technology (GEM)
    • LGPS online tools
    • LGPS training hub (Enlighten)
    • Pensions governance tool (BW CORE)
    • Pension self-service
    • SIPPs Online
    • Trustee analytics dashboard (Insight)
    Benefits platform (4me) DB technology (Illuminate) DC technology (GEM) LGPS online tools LGPS training hub (Enlighten) Pensions governance tool (BW CORE) Pension self-service SIPPs Online Trustee analytics dashboard (Insight)
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    Risk management

    • Risk Portal
    • Board evaluations (BoardClic)
    • Carbon emissions reporting (CARAT)
    • Pay gap reporting
    • Real-time decisions (Swarm AI)
    • Risk management software (Celestia Risk)
    Risk Portal Board evaluations (BoardClic) Carbon emissions reporting (CARAT) Pay gap reporting Real-time decisions (Swarm AI) Risk management software (Celestia Risk)
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    Expertise - Spotlight

    Take control of risk with confidence

    Our simple, powerful and automated solution for managing risk effectively.

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    Expertise

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  • Insights

    Insights and events

    Access independent commentary, research and events at the forefront of risk, pensions, investment and insurance.

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    Expertise - Spotlight

    DC in focus: Large DC Schemes Analysis 2025

    In a rapidly evolving pension landscape, our latest analysis highlights scale as an emerging theme.

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    Insights and events

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Research

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  3. Research
  • A tablet displays a blue document titled “UK With-Profits Funds Investment performance and strategy.” Two people appear engaged in conversation, suggesting a discussion about investment strategies in a light background.

    Research

    UK with-profits funds 2020: investment performance and strategy report

    Our with-profits investment performance and strategy report enables insurers to compare the performance over the most recent one and five year periods, leading to b…

  • A group of four professionals engage in lively discussion, with one woman smiling and gesturing. They are seated around a table in a bright, plant-filled office environment.

    Research

    Multi Asset Study: an in-depth analysis of multi asset portfolios

    Exploring the performance of multi-asset funds and introducing a new way of understanding how returns are generated by multi-asset portfolios.

  • A digital dashboard displays a world map with data points, icons representing individuals, and graphs illustrating trends. Its color scheme features dark backgrounds with vibrant accents, suggesting a modern tech context. Text says "EMPLOYER DNA" and "PEO

    Research

    Covid-19 and the employee experience

    The Covid-19 crisis has affected many people’s mental and financial wellbeing. What has been the impact on employees and what does the employment experience look li…

  • Two digital tablets display colorful informational content, featuring graphs and text about COVID-19. The background is a soft green, creating a calming context for the data presentation.

    Research

    FTSE350 pensions – Covid-19 delays the endgame

    In this analysis of those FTSE350 companies with defined benefit (DB) pension schemes, we take a look at how the economic turmoil of Covid-19 has impacted the path …

  • Two tablets display colorful, illustrated layouts with landscape elements. One shows a person engaging in conversation, while the other features text about equity in selection processes.

    Research

    FTSE350 pensions – not all sectors are created equal

    The first in a series of research papers, this analysis of the DB schemes of FTSE350 companies, looks at the sectoral differences in economic performance over recen…

  • Research

    Big Schemes 2020 – how the largest DB pension schemes are performing

    Barnett Waddingham presents its latest annual analysis of the 'big' DB pension schemes, helping employers and trustees to understand and benchmark their endgame str…

  • Two men are seated at a table in a modern office environment. One man in a suit is attentively looking down, while the other, in a light blue shirt, appears focused on a document.

    Research

    DB to DC transfers: member outcomes and decumulation

    In this third and final article in the series, we take a look at what members can expect from their DC benefits and how we anticipate this activity to evolve over t…

  • A pedestrian bridge features people walking toward a prominent dome building at sunset, with a skyline of modern buildings and construction visible in the background, creating a contrasting urban landscape.

    Research

    Climate change: how are (re)insurance actuaries facing the challenges ahead?

    How is climate change affecting the insurance industry – specifically the work of General Insurance actuaries? We surveyed a number of senior figures from the insur…

  • Two women are sitting closely together, engaged in intense discussion while looking at something between them. The setting appears to be a modern indoor space with soft lighting.

    Research

    DB to DC transfers: supporting members

    This paper details the pitfalls of an unsupported DB transfer process, explores how sponsors and trustees can provide better support and outlines what sponsors and …

  • A woman with curly hair and glasses smiles while looking out a large window. Urban buildings are visible in the blurred background, suggesting a bright, modern city environment.

    Research

    DB to DC transfers: the current landscape

    In the first in a series of articles, we take a look at the DB transfer landscape from the viewpoint of DB schemes and the member adviser market and give some thoug…

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