Services for Contract-based and Trust-based schemes

How do you know how well your scheme's default investment strategy is performing?

Is it providing good value for money, and meeting the objectives set for it? Does it meet members' requirements?

We have a number of ways to help you understand if the current default investment option is suitable for the needs and requirements of your workforce.

Not all DC default funds are created equal. Find out who's performing well by reading our quarterly Default Fund surveys. We work closely with our sister company CAMRADATA to analyse funds and review their suitability for our clients.

Sign up to VisionHub, our free resource centre, for complete access to all of the DC Default Fund surveys for every quarter.

Why review your investments?

When a scheme is set up, a suitable default strategy is selected and, in some cases, a core fund range is also selected from the provider's full fund range. In due course these fund(s) will be aiming to optimise member outcomes at retirement.

Over time, however, the investment strategy originally chosen may no longer be appropriate, or the managers may not be performing as you'd hoped.

An investment fund review allows you to check that the investment options originally selected remain fit for purpose, or if there are more appropriate choices available.

The result

Our various review services help you assess the value provided by the current default investment strategy or range of investment options available to members of the scheme.

We include a summary of the default fund's investment performance set against its objectives and also the funds available in the wider DC and/or AVC market, utilising research undertaken by our sister company CAMRADATA to benchmark the funds.

Strategy

What is the scheme's investment strategy trying to achieve, and how will it get there?

Best Fit

Do the chosen funds fit with the aims of the scheme, or does anything need to change?

Performance

Is the investment strategy performing in line with expectations?

Default Investments

Is the chosen default option still fit for purpose?

Communications

Assistance with drafting member communications, if investment options or details are changing

*Default fund survey: fund charges

Fund Name	TER %
Stan Life Active Plus III	1.13
MAF	0.13
Royal London Governed Portfolio 4	1.00
Aegon Growth Tracker	1.02
Fidelity Futurewise	0.30
Scottish Widows Multi Asset IV	0.09
Scottish Widows Pension Portfolio Two	1.00
Aviva My Future Growth	0.40
Aviva My Future Focus Growth	0.60

All fund data is sourced from FE fundinfo (UK) Limited and is not warranted by Punter Southall Aspire to be accurate, complete or timely. Performance returns are net of standard charges as given by the provider. Past performance is not a guide to future performance. The value of investments can go down as well as up and isn’t guaranteed. Report Run and based on data available as at 30 June 2020.
TER: The total expense ratio (TER), also known as the 'expense ratio' is the total annual costs associated with running a fund such as a unit trust. .

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Investment Research

Services for Contract-based and Trust-based schemes

Valuable Insights

Fund charges

Why review your investments?

The result

5 ways...

...an investment review could help your pension scheme