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Barnett Waddingham
0333 11 11 222
We provide comprehensive, innovative and client focused investment consultancy services to trustees and employers of both defined benefit (DB) and defined contribution (DC) schemes in the Higher Education (HE) sector.  

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:

Planning

Asset allocation

Implementation

We start by getting to know your Aims, Beliefs and Constraints – what we call an ‘ABC approach’ to setting an investment strategy.

Setting Objectives

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.

Our innovative technology

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.

Related knowledge and resources

Blogs

  • Picture for Trustees to consider ESG factors
    Trustees to consider ESG factors

    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.

  • Picture for Death and SSASs
    Death and SSASs

    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.

  • Picture for Are you leaving the lifetime allowance charge to chance?
    Are you leaving the lifetime allowance charge to chance?

    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?

  • Investment Insights - Expanding the toolkit: Buy-ins

    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?

  • Investment Insights: LDI Plus

    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.

  • ESG in focus

    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?

  • Dec 12 2018
    Pensions issues for Financial Advisers: what the next Budget can’t avoid

    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.

    Location: http://bit.ly/budgetSIP

  • Picture for University Accounting Survey
    University Accounting Survey

    This is our seventh annual survey of the assumptions adopted by UK universities for determining the value of their pension liabilities for accounting purposes.

  • Picture for University Accounting Survey - July 2014
    University Accounting Survey - July 2014

    This is our sixth annual survey of the assumptions adopted by UK universities for determining the value of their pension liabilities for accounting purposes.

  • Picture for University Accounting Survey - July 2013
    University Accounting Survey - July 2013

    This is our fifth annual survey of the assumptions adopted by UK universities for determining the value of their pension liabilities for accounting purposes.

  • 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.

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