We are a truly independent investment consultancy firm. We have no outside shareholders that we need to satisfy and we do not run an investment management or fiduciary management business. This enables us to avoid conflicts of interest and leaves us free to provide bespoke advice that is suitable and specific to your scheme.
When developing an investment strategy, we break the process down into three key stages:
We start by getting to know your Aims, Beliefs and Constraints – what we call an ‘ABC approach’ to setting an investment strategy.
Setting objectives are a great way to get the employer engaged with the scheme. Whilst objectives can be long term, it is very simple to illustrate expected financial impacts of differing objectives. Typically, the employer will want to get involved where discussions concern funding, contributions and fees. Objectives are key as they can affect the near-term right through to the end of the scheme.
We make extensive use of technology throughout the process. For example, one approach we take to assessing the trustee’s beliefs is through the use of an on-line questionnaire. We also use our in-house investment model, BWARM, to help develop the investment strategy with trustees. We can use this model interactively at trustee meetings to illustrate the impact of alternative strategies.
ESG, SRI, ethical investing are often used interchangeably; but actually they are different and these differences affect how client portfolios should be designed and which investments are appropriate for meeting a client’s objectives.
SSAS Client Manager; Lisa White, explains how spending a few moments thinking about your circumstances, could save taxes being imposed on your pension savings in the future.
The lifetime allowance (LTA) charge for pension savings is akin to picking that 'chance' card in a game of Monopoly. SSAS Client Manager, Lisa White asks: are you leaving the lifetime allowance charge to chance?
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?
The use of LDIs, by which we mean the practice of using leverage to reduce the exposure of a pension scheme's funding position to interest rate and inflation movements, has become increasingly commonplace in pension schemes' investment portfolios.
The DWP issued a consultation on clarifying and strengthening trustees’ investment duties in June 2018, with responses requested by mid-July. What are the key proposals and what might trustees do to prepare?
While a dearth of pension changes in the October 2018 Budget is generally a welcome thing, our Pensions Technical Specialist James Jones-Tinsley looks at key issues the Chancellor won’t be able to keep dodging and explains why they matter to financial advisers and their clients.
This is our seventh annual survey of the assumptions adopted by UK universities for determining the value of their pension liabilities for accounting purposes.
This is our sixth annual survey of the assumptions adopted by UK universities for determining the value of their pension liabilities for accounting purposes.
This is our fifth annual survey of the assumptions adopted by UK universities for determining the value of their pension liabilities for accounting purposes.
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.
We are delighted to appoint Sonia Kataora as our new Head of DC Investment to lead the provision of investment advice to DC clients.