Defined Contribution

At present, we have a concern in relation to the assumptions underlying defined contribution statements of reasonable projection and the inflexibility of many registered administrators in altering assumptions to a more realistic/conservative basis.

The risk profile of the investment funds being used and the communication to members in defined contribution schemes is critical in addition to a strong default investment strategy.

With extended drawdown options for members at retirement it is important for members to understand the interaction between the investment fund choices, the default investment strategy and the form their benefits are likely to take at retirement – tax free cash, pension and/or approved retirement fund.


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