DC Decumulation: Generating retirement outcomes to be enjoyed and not endured

If retirement is to be enjoyed and not endured, in a world of freedom and choice, largely unsupported by the provision of accessible frames of reference, guidance and advice, we must look at how to overcome the risks and complex decision making challenges DC investors face at and in retirement.

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Using Fixed Income to help deliver the pensions promise: Pooled Cash-flow Driven Investment

Cash-flow Driven Investing (CDI) is a relatively nascent strategy that has been gaining traction among pension funds, asset managers and consultants. Small- to medium-sized pension schemes can work with asset managers and consultants to put a pooled CDI strategy in place which helps them match their cash-flows.

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The role of diversified growth funds in DC pensions

Lifestyle strategies have fared well in an environment that over the last two decades has experienced strong, multi-year returns from both equities and bonds. Going forward, however, pension savers and scheme trustees cannot rely on the underlying conditions that facilitated these returns to hold.

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