Building resilience in de-risking strategies for UK DC members

How we allocate capital in defined contribution (DC) pensions is changing. Traditional de-risking strategies, which move members out of growth assets as retirement nears, no longer fit today’s flexible retirement journeys.

In our latest paper, we explore how:

• members are accessing their pension pots more flexibly and staying invested longer.
• early de-risking can mean missing out on valuable growth, especially as investment time horizons lengthen.
• defensive strategies may reduce risk, but they also limit outcomes for many members.

Download our publication

By focusing on smarter capital allocation, schemes can help members build resilience and achieve better outcomes in retirement. If you’d like to discuss how these insights could support your scheme, please get in touch.

This communication has been compiled by Hymans Robertson LLP® (HR) as a general information summary and is based on its understanding of events as at the date of publication, which may be subject to change. It is not to be relied upon for investment or financial decisions and is not a substitute for professional advice (including for legal, investment or tax advice) on specific circumstances. HR accepts no liability for errors or omissions or reliance on any statement or opinion. Where we have relied upon data provided by third parties, reasonable care has been taken to assess its accuracy however we provide no guarantee and accept no liability in respect of any errors made by any third party.