Our Services
How Can We Help?
We specialise in providing investment advice for Defined Contribution and Defined Benefit Pension Schemes.
Defined Benefit Pension Schemes
We can advise you on Defined benefit (DB) schemes, where pensions and benefits paid to members are directly related to specified criteria such as the length of service and salary at retirement.
Defined Contribution Pension Schemes
We can advise on Defined contribution (DC) schemes, where each member accumulates their own assets with which to purchase benefits on retirement (often called money purchase schemes).
Our Clients Success
In the eight years to the end of 2019, we have undertaken strategic investment reviews for 83 of our clients with an average asset size of £17.7m. Here are some of the highlights from these investment reviews:
Reduced Risk
It’s a small number of schemes, and the number of people affected is tiny: only 16,895 members across the 83 schemes. Yet the impact we made was profound for those members. On average, we reduced the risk they were taking by 32% whilst increasing their expected long-term returns by an average of 0.3% p.a.
0.3% Per Annum
0.3% p.a. doesn’t sound impressive, but if the scheme actuary is happy to give credit for the additional expected returns in advance it can turn, for example, an 80% funded scheme into an 86% funded scheme overnight; which is great when about a third of the risk has been removed at the same time.
On average, we reduced the risk they were taking by 32% whilst increasing their expected long-term returns by an average of 0.3% p.a.
Variety of Clients
There was great variety in the form that the clients took the improvement. Some took the improvement predominantly in the form of higher expected long-term returns; some in the form of risk reduction; others opted for a combination of the two.
Unlike most UK pension schemes, our clients’ funding positions have been steadily improving over the last seven years
Improving
The common factor across our clients has been the outcome. Unlike most UK pension schemes, our clients’ funding positions have been steadily improving over the last seven years. This is despite volatile long-term interest rates which have caused the value of pension schemes’ liabilities to move up and down sharply.
Speak to us about your pension investments
Awards & Recognition
Professional Pensions: Investment Consultancy of the Year
Finalist ten out of eleven years from 2014 to 2024.
Highly commended 2015.
Pension Age: Pensions Consultant of the Year
Finalist nine out of ten years from 2016 to 2025.
Workplace Saving and Benefits
Pensions Consultant of the Year - Finalist all eight years from 2018 to 2025.
10 Years of Excellence in Employee Benefits Award - Finalist.
European Pensions Award: European Pensions Consultant of the Year
Finalist in all eight years from 2018 to 2025.