Retirement Risk Metrics
Read our Research:
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Pension de-risking roadmap: a slippery path?Pension fund de-risking through switching strategies doesn’t necessarily guarantee the locking in of benefits or reduction of risk. Celene Lee assesses how the different approaches stack up.
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A new toolbox for retirement planning: risk management solutions
Part two of a two-part series. While retirement investors are facing sustained low yields and an uncertain economic environment, the range of risk management solutions is failing to evolve to meet the challenge. Phil Mowbray looks at some new risk management solutions which would enable investors and advisors to build more sustainable retirement income plans.
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A new toolbox for retirement planning: risk measurement - an essential tool for retirement income planning
Part one of a two-part series. Phil Mowbray develops a set of metrics which can be embedded within the advice process to allow retirement customers to quantify these risks and identify the most suitable retirement options.
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Building a sustainable retirement plan
Do you have a robust risk management framework in place? Can you combine the available options to achieve the best outcomes for your customers?
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How sustainable is your retirement?
This case study utilises a Retirement Planning Dashboard to highlight the key trade-offs in the planning process: income bequest and sustainability.
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Building risk management into the governance framework for your DC scheme
The widespread growth of Defined Contribution (DC) as the core retirement savings vehicle for individuals has created many governance and regulatory challenges for employers, fiduciaries and advisors. Not least of which is to help DC members achieve required retirement outcomes in the face of increasing exposure to the risks of longevity, inflation, and volatile markets.
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Governance for DC pension default funds
Investors, advisers and fiduciaries can use Retirement Risk Metrics as a governance ‘dashboard’ for evaluating and communicating risk across a variety of Default strategies. This report provides an outline example of these metrics, applied to the asset allocation glide-paths associated with some sample default strategies.
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Combining investment and insurance… managing the retirement risk paradox
Solutions for meeting the challenge of managing retirement risk -- generating enough income to maintain an acceptable lifestyle in retirement without increasing one’s exposure to the risks of longevity and inflation -- are examined in this report, which looks at the case of a 60 year old approaching retirement
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Retirement risk metrics for evaluating target date funds: a scenario modelling framework
We present a stochastic modelling framework which can be used to evaluate the key risks in different Target Date funds. This risk framework is applied to a range of the largest US Target Date funds, to illustrate how investors can better understand the different risks in Target Date funds and make more informed decisions as to which fund best suits their own risk profile and financial planning needs.
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Investment strategy design for defined contribution pension plans
