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Defined Contribution

In a Defined Contribution (DC) pension scheme, members know what is being paid in. However, the outcome that members receive when retiring from the scheme changes through time.

We want to enable employers and trustees, acting on behalf of members, to have greater control over members’ retirement outcomes so that everybody can plan more effectively for the future. With the guidance of our defined contribution specialists, employers can manage their workforce, trustees can oversee their funds and employees can approach life after full-time employment with greater confidence.

Our investment and risk management approach has a proven track-record in delivering robust and stable results, being grounded in the work we have done with our Defined Benefit clients. We aim to explain the main features of the defined contribution pension plan clearly, so that our clients can take action effectively.

If you have any questions or would like to learn more, please contact Ralph Frank at


    Shouldn’t the outcome be income?

    We consider how Defined Contribution savers can match what they have at retirement with what they need to get through retirement.

    Category: Thoughts and Opinions
    Publication date: 10.10.17

    DC Pensions in Wonderland

    This paper reviews the default strategy of 29 of the larger Defined Contribution pension propositions currently available in the UK.

    Category: Thoughts and Opinions
    Publication date: 13.07.17

    What does good look like in Defined Contribution?

    Establishing whether a DC arrangement is fit for purpose increases the likelihood of achieving good outcomes in the future.

    Category: Thoughts and Opinions
    Publication date: 27.02.17

    DC Thoughts and Opinions

    Click here to read our latest news and views on DC pensions.

    Category: Thoughts and Opinions
    Publication date: 25.06.18