Cost. Performance. Reliability.
Around 80% of new Defined Contribution (DC) schemes are for Contract Based Pensions - designed to be cheaper and simpler to operate than Trust Based alternatives. The key objective remains the same:

• Maximising long-term fund performance at an optimised, predictable cost – the cost to your employee scheme members as well as to your business.

Shared responsibility. Personal choice. Improved decisions.
You invest significant time, effort and money in your Contract Based Pension scheme. Your employee members expect a reliable pension platform for managing their contributions - especially as retirement approaches. Whether it’s a Group Personal (GPP), Group Stakeholder (GSHP) or Group Self Invested (GSIPP) plan, our contract pension specialists can help you:

• Achieve perfect balance between employer pressures and employee needs
• Make improved, innovative investment decisions, optimised for your bottom line
• Ensure your people have the clear risk/reward information they need to make effective contribution decisions today - and tomorrow
• Eradicate expensive administration errors and ensure the right information flows between Finance and HR – all the time
• Manage and review your pension operations for superior governance.

Innovation. Confidence. Trust.
You want your Contract Based Pension to be in the best possible shape to ride the recession, exploit the recovery - and thrive. We have the planning, investment, contribution, education and pension management skills you need to make that a reality.