Managing Liabilities

Traditionally, sponsors and trustees have concentrated on de-risking the scheme investments and given little thought to the bigger problem of the liabilities.

Contributions continue to be paid and the scheme continues to grow thereby increasing the risks.

Our approach is to consider both assets and liabilities in an integrated way.

Rather than pay contributions to increase the assets our solutions use these contributions to reduce the liabilities, risk and future cash requirements.

1 in 5…

deferred members are transferring their benefits out of the scheme to access a more flexible retirement income when offered a transfer value instead of a scheme pension.

1 in 3…

pensioner members are accepting the offer of a higher current pension in exchange for lower future increases.