Do DC schemes derisk too late


Typically, DC schemes lifestyle down over 5-10 years before retirement. For a member retiring at 68, this means taking significant investment risk at age 58. Generally, this means the pots are reasonably balanced for a long period. If we accept most people do not contribute enough to their DC pots, then this could arguably make sense. However, there could be a better way.

Time to look at reducing the risk in your pension scheme

Now is a good time for companies with June year-ends to consider how their pension scheme liabilities will affect their balance sheet - despite recent falls in equity markets IAS19 funding levels are likely to have held up reasonably well since previous year end. Companies providing mid-year updates at 30 June will see a similar picture. Since 30 June 2017, we have seen inflation expectations reduce slightly and corporate bond yields decrease at longer terms.

Workplace pensions do not need a crystal ball

The end of the world is nigh….From a workplace pensions perspective, that is what you could be led to believe with some of the commentary doing the rounds. On 6th April minimum auto-enrolment contributions rose from a very low 2% to slightly improved 5%. This has been on the cards for several years, and was even pushed back from October 2017 by the previous Chancellor.

Willis Towers Watson bite-size IFRS 17

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