We believe defined contribution (DC) is a simple formula based on timeframe, how much is contributed together with the net investment performance, and how to shape and access the benefit for the best possible member outcome. 


 

Our DC formula

TIMEFRAME

How long the member is paying into the scheme

CONTRIBUTIONS

Payments from member, employer and taxman

NET RETURN

Potential growth of investments less charges


This is overlaid on the workforce based on their age and has three key components:

  • growth (building the pot of money)
  • shaping (helping members make decisions as they get closer to retirement)
  • access (using the pot of money)

In order to achieve both Employer Consulting objectives and member empowerment our governance and engagement solution segments the workforce to specifically target these three areas and aligns appropriate investment design to these stages.

DC consultancy services

Our client portfolio currently exists of 200+ DC schemes across Trust, Master Trust and Contract ranging in size.  

Our DC consultancy services are at the heart of our proposition but we look wider than this, allowing employers to offer a more holistic approach to employees for saving for later life.

Governance

The framework to deliver better member outcomes

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Investment

Appropriate investment structures for good member outcomes

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Communication

Successful engagement strategy to empower members

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Consultancy

Helping to benchmark current arrangements for the future

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GEM

Governance, engagement and monitoring analytics

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VFM

Objectively justifying where value is added in DC schemes

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Other services include day-to-day operational support, scheme governance, investment, member engagement, and consultancy advice on matters such as legislation and investment strategy.