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. 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 DC arrangement clearly, so that our clients can take action effectively. 

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


When there is an idea of what savers are likely to get at retirement, it can be decided whether this is likely to be enough

Behavioural_paper game_small

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

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Alice-in-Wonderland 2

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

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What does good look like 2

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

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