DC Provider Insights

Defined contribution (DC) pensions are continuing to evolve as providers respond to regulatory change, economic pressure and growing focus on member outcomes. Our DC provider insights assess how default investment strategies across master trusts and group personal pensions (GPPs) are shaping outcomes for members across the retirement journey.

We look beyond historic returns, combining performance analysis with forward-looking modelling to understand what provider decisions really mean for members, both now and in retirement.

In this publication, we explore:

• Performance and outcomes - how the level of growth risk within default strategies continues to be a key driver of outcomes for members further from retirement.
• The member journey - why differences in asset allocation and portfolio construction can lead to wide variation in outcomes as members move towards retirement.
• The road to scale - how providers are positioned against new scale expectations and why scale alone does not guarantee better member outcomes.
• Post-retirement strategies - an assessment of the post-retirement investment approaches emerging across the market and their ability to support sustainable income in retirement.

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If you have any questions about reviewing your current provider, choosing a provider for your pension arrangement, or understanding how different strategies impact member outcomes, 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.