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Barnett Waddingham
0333 11 11 222
A good investment framework should make it easy for members to follow a simple process that results in a tailored, sophisticated investment strategy which meets their needs.

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:

  1. Passively engaged, when members are many years from retirement they need their money to work as hard as possible for them and they can afford to take a long-term view of investment success.
  2. Actively engaged, we believe it is currently at around age 50-55 that a DC investment strategy should move to reflect an individual's specific circumstances.

Monitoring and ongoing governance

We assist schemes in complying with all formal governance requirements.  This could include putting in place robust monitoring and performance reporting, covering:

  • fund performance
  • key manager events
  • market review
  • market outlook

Engagement and at retirement support

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

Related knowledge and resources


  • Jan 25 2019
    Evolving DC governance: meeting member needs

    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.

    Location: http://bit.ly/evolving-DC-governance

  • Dec 19 2018
    DC infrastructure: the Mitchells & Butlers case study

    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.

    Location: http://bit.ly/DCinfrastructure

  • Nov 30 2018
    In your members’ shoes: the corporate overview

    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.

    Location: http://bit.ly/inyourmembersshoes

  • Picture for Generation WHY?: money matters in 2018
    Generation WHY?: money matters in 2018

    Surveying the financial wellbeing of 3,000 people, we've discovered some stark findings on how prepared the current UK workforce is for retirement.

  • Picture for Generation WHY? survey 2017
    Generation WHY? survey 2017

    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.

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