Retirees with Defined Contribution (DC) pension schemes have many different goals for their retirement savings.These could include one or more of the following:
Our flexible DC investment solutions allow you to offer your members strategies that aim to meet all their investment goals.
Each retirement journey is built around two primary goals:
The main savings or “accumulation” phase of the retirement journey is pre-retirement.
During this period, regular pension contributions or one-off payments are made into the savings pot to allow for capital growth.
The pot is invested into different retirement building blocks, according to each member’s risk profile, constraints and retirement objective.
A member may choose to receive an income at different stages of their retirement journey. They may wish to:
Different approaches can be taken to allow for capital growth, while also enabling distributions to be paid in the pre-retirement phase and/or gradual decumulation post-retirement.
How do these goals translate into an investment strategy?
Your simple approach to retirement planning
Through our efficient retirement framework, any retirement journey goal can be achieved simply by combining allocations to our growth and distribution building blocks, in line with the targeted objectives.
| EARLY CAREER
Wei, 28 GOAL: Obtain 500,000 USD in 30 years |
Multiple proposed solutions
| Early career projected growth path 
|
| END OF CAREER Heng, 50 GOAL: Maximise income generated at retirement phase starting in 15 years and over 15 years |
Criteria
Proposed strategy
| End of career glidepath 
|
| AT RETIREMENT Michelle, 66 GOAL: Generate income for retirement and grow assets for her heirs |
Criteria
Proposed strategy
| At retirement glidepath 
|
Tailored retirement solutions to meet your members' unique goals
We recognise your members are individuals who each have unique aims and objectives for their retirement.
Our flexible and innovative approach to retirement planning offers a simple and efficient way to achieve multiple, and sometimes conflicting, objectives at a scheme-wide level.
We can help your pension fund construct a defined contribution scheme that considers all your members’ individual goals.
Pre-defined glidepaths
More customised to individual need.
Risk-profiled retirement portfolios
Based on real-life retirement goals1, these are more relevant, easier to understand and can be adjusted over time.
1. According to risk-profile or asset allocation preference
Read more about the challenges of defining
a correct decumulation strategy
1. According to risk-profile or asset allocation preference
