We believe employers should make use of all available tools in order to deliver the journey members are looking for.
Our defined contribution (DC) investment philosophy is supported by our Investment team who undertake manager and fund analysis as well as asset risk and lifestyle modelling. Together we have designed DC investment solutions that focus on two distinct phases:
We assist schemes in complying with all formal governance requirements. This could include putting in place robust monitoring and performance reporting, covering:
it is important for employers to have a strategy in place, not just around how to support those approaching retirement, but all DC members. Support and guidance is needed at each life stage and we can help with the key messaging and design through our online portal, Me2.
“Investment performance (net of investment charges) is one of the most critical factors in the ultimate outcome for the member, especially considering the low levels of contributions typically put into DC plans”Mark Futcher
Partner, Barnett Waddingham
Managing the risks is just as important in DC as it is in DB. By using the right kind of risk measures, we can focus on investment strategies on the end goals that actually matter.
A key difference between the private and public markets is the level of illiquidity and complexity, with private assets typically being less liquid and more complex than their public counterparts.
In recent years, regulators have put so much emphasis on the minutiae of defined contribution pensions that we seem to have forgotten about the bigger picture.
Should bulk annuity purchases be of interest to more schemes? With 132 transactions in 2017, this is small compared to the 5,700 UK DB pension schemes. Are schemes missing a trick, or does bulk annuity purchase only make sense in a minority of cases?
Whether you are a trustee running an occupational scheme, a company offering a master trust scheme or a contract-based scheme, these newsletters help to keep you up to date with elements relevant to your DC arrangement.
In our PerioDiC newsletter, we summarise the trustee, company, and other elements to be aware of which help with running a defined contribution (DC) scheme.
In a world where legislation, products and most importantly of all, member needs are constantly evolving, ongoing governance is vital to ensure DC arrangements remain suitable. We look at how a well-designed governance structure can prepare a scheme for future challenges that might arise.
We examine the pension scheme journey of Mitchells & Butlers, one of the largest operators of restaurants, pubs and bars in the UK. Both company and trustees worked together to deliver a market-leading DC scheme with better outcomes for members at its core.
At our DC Conference, we helped delegates understand the experiences, challenges and thought processes of their members to enable them to make better decisions for their scheme – truly putting themselves in their members’ shoes.
Surveying the financial wellbeing of 3,000 people, we've discovered some stark findings on how prepared the current UK workforce is for retirement.
Our ‘Generation WHY? study, now in its third year, highlights important generational attitudes and perspectives towards money matters as well as savings and how personal affluence affects outlook.
We are delighted to appoint Sonia Kataora as our new Head of DC Investment to lead the provision of investment advice to DC clients.
For the second consecutive year, we are delighted to have been named ‘DC Adviser of the Year’ at Pensions Insight's DC Awards.
Barnett Waddingham is delighted to have been recognised as the UK’s DC adviser of the year, and the leading DC technology provider of the year at the Pensions Insight DC Awards 2016.