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Penguins near an iceberg
DB Category: DB

Endgame portfolios: making the most of CDI

The benefits of cashflow driven investment (CDI) are slightly controversial. Some believe it is a powerful risk management strategy for DB schemes nearing their endgames, whereas others are more sceptical given that it may compromise multi-asset diversification

Stepping stones on a lake
Outlook Category: Outlook

Solutions Outlook 2022

Wave Crashing
Outlook Category: Outlook

Active Strategies Outlook UK

Q4 2021 - An introduction to Active Strategies

two people dancing in the street
DC Category: DC

Our four-step guide to new pension consolidation rules

We’ve put together a four-step checklist with useful tips and guidelines around the new reporting requirements and obligations around pension consolidation.

Woman farmer working in a rice field in Myanmar
DB Category: DB

Diversified credit: shortening the time to endgame?

We believe diversified credit (or multistrategy credit) can be much more than just a growth asset class. It could help pension schemes to meet their endgame sooner whilst also providing cashflows.

The biggest short
DB Category: DB

Widening the field for yield

DB DC Category: DB DC

Alpha management: Deploying your active risk budget effectively

As the French philosopher Voltaire said, “Uncertainty is an uncomfortable position. But certainty is an absurd one.”

Green gilts
DB Category: DB

Green gilts

An update on our recent engagement activities and some key considerations for our clients.

Laptop keyboard
DC Category: DC

How social media tools can empower and engage pension savers

Giving scheme members a voice on the ESG issues that matter to them can keep them focused on their pensions

DC Category: DC

Walk this way

Pension savers’ views on the FCA’s Investment Pathways

Happy man gardening
DC Category: DC

Solving decumulation dilemmas

Five years on from Freedom and Choice, the New Romantic generation is dancing towards a decidedly unromantic retirement.

piggy bank
DC Category: DC

Pension income: Why drawing down is going up

rsz_car-on-windy-road
DB Category: DB

Secure income assets: new opportunities for a new decade

DB (defined benefit) pension schemes are progressing along their journey to end-game, with many becoming increasingly cashflow negative and struggling to balance competing requirements for returns and cashflow.

Apartment trees
DB Category: DB

The role of secure income assets post-COVID-19

The impact of the global pandemic is expected to influence the world around us, long after its eradication.

DC Category: DC

Improving retirees’ withdrawal symptoms

Are savers taking their pension’s pulse regularly enough? We examine a health check that we believe can help investors spend sustainably.

DB Category: DB

Are secure income assets being overlooked?

White Pillars
DB Category: DB

The Consolidator Conundrum

As activity in public credit markets has oscillated across our screens, private credit markets have been largely overlooked.

lgim - shared - image library - image feature - IMG - SIMPLE - four pots for your retirement
DC Category: DC

Could longevity risk affect your DC investment strategy?

Since the Freedom and Choice pension reforms, we’ve moved from a world where most UK retirees bought an annuity, to one where many individuals choose income drawdown. In doing so, they not only bear the risk of changes in the value of their pension but also the uncertainty around how long they will live. This uncertainty over future lifespans is known as ‘longevity risk’.

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DB Category: DB

Actively diversified: Harnessing multiple return sources

Harnessing multiple return sources

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DB Category: DB

Should DB Schemes buy into the case for buy-ins?

Buy-ins can be a useful tool in schemes’ armoury as they de-risk into their endgames, but only under certain conditions.

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DC Category: DC

The power of data science

Ros Altmann, former UK pensions minister, has spoken of the need to “make pensions digital”. The Department of Work and Pensions’ Pensions Dashboard aims to do just that, by collecting and curating information about members’ multiple defined benefit (DB) and defined contribution (DC) pension pots in a single, digital location.

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DB Category: DB

Any TIPS to manage inflation?

DB + DC Category: DB + DC

Board effectiveness: Lessons from companies to trustees

Good governance is crucial to all boards, whether they oversee a FTSE 100 multinational, a multi-billion pound pension scheme or a national charity. There is no one-size-fits-all approach to how boards should be run but we have learned that there are plenty of ways to evolve and enhance effectiveness.

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DB + DC Category: DB + DC

Material change: a five-step ESG checklist for trustees

How can pension trustees prepare for new requirements on the financial materiality of environmental, social and governance (ESG) factors?

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DB Category: DB

Managing risk in turbulent times

Four practical steps DB pension schemes can take to help them navigate volatile markets.

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DB Category: DB

CPI liabilities: the wedge and the hedge

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DB Category: DB

Cashflow Awareness; Transfers out

Managing transfers out of DB pension schemes.

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DB Category: DB

Emerging market debt – missing piece of the cashflow matching puzzle

Cashflow matching strategies are customised investment solutions, designed to enable clients such as pension schemes or insurance companies to meet their liabilities. We believe that emerging market fixed income has an important role to play in designing cashflow matching strategies.

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DB Category: DB

Zombie pension schemes: a viable alternative?

Will it become more common for DB schemes to run off without sponsor support?

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DB Category: DB

LPI-linked cashflows - how should trustees manage these cashflows?

DB pension schemes typically pay inflation-linked benefits with caps and floors, called limited price indexation (LPI) linked benefits. How should trustees manage these cashflows?

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DB Category: DB

Factor-based challenges

There are so many elements to consider when building factor-based solutions it can be overwhelming. We’ve highlighted two case studies of investors tackling these challenges.

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DB Category: DB

Broadening the universe: The strategic case for alternative credit

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DB + DC Category: DB + DC

Equities for the long run?

Traditional models suggest there is a very high chance equities outperform over the long term. But are they overconfident, and should long-term investors adjust their asset allocation accordingly?

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DC Solutions Category: DC Solutions

Making a statement

Most employees take no pensions guidance, which can cause problems after retirement

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DC Solutions Category: DC Solutions

DC Governance: a checklist

Is your scheme following best practice?

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DC Category: DC

Assessing the key challenges in DC

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Fixed Income Category: Fixed Income

Emerging market debt ratios - opportunities and risks

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DB Category: DB

Raising cashflow awareness

Effective cashflow management for DB pension schemes.

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DB Category: DB

Longevity risk and its implications for endgame portfolios.

This paper examines how uncertainty regarding future mortality rates and life expectancy, i.e. longevity risk, affects defined benefit pension schemes.

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DB Category: DB

Collateral damage - Building a safety net

By incorporating leverage, liability driven investment (LDI) strategies have assisted pension schemes in managing the competing capital requirements of hedging liability risk and generating returns to reduce deficits.

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DB Category: DB

Finding hidden value in your investment governance

The Pensions Regulator is clear in its guidance – all trustee efforts should be focused on achieving one outcome: paying pensions to members of the scheme as they fall due.

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DB Category: DB

Covenant risk - modelling, managing and mitigating a key risk

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DB + DC Category: DB + DC

What is the appropriate level of currency hedging?

Recent currency market volatility, particularly the fall in the value of the pound, has highlighted the importance of determining the appropriate level of currency hedging for investors in international assets.

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DC Category: DC

Can better financial wellbeing lead to higher savings?

The DC pensions industry has moved forward since auto-enrolment was introduced, with many more saving into a pension. This is great news, but challenges remain. How do we help individuals see the value in saving more for a future that seems a long way off?

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