DB De-Risking Strategies with Experts

DB de‑risking is still keeping us all busy, but what does “transaction ready” actually look like day to day? I joined #ThePensionist for a chat about some of the practical realities we see as trustees - what really helps schemes move forward, where things can get tricky, and how small and even micro schemes can get themselves into a good place for a smoother transaction. Thanks for having us Larisa! 🎧 Have a listen here: https://lnkd.in/ebc-WU-9 #DBPensions #DeRisking #ProfessionalTrustees #ThePensionist

A great conversation (and plenty of fun) with the brilliant Annabelle Hardiman, Hatty Goodwin and Oliver Reece discussing DB de‑risking and buy‑out readiness. Grab a coffee and have a listen. And if you’d like to continue the conversation, please don’t hesitate to get in touch with any of us. 🎧 Listen here: https://lnkd.in/ebc-WU-9 Fieldfisher Independent Governance Group (IGG) #PensionsLaw #Pensions #Derisking #ProfessionalTrustees #Fieldfisher #IGG

Although a full scheme buyout is often seen as the "gold standard", it's not a decision to rush into. There are important governance considerations for trustees and sponsors before embarking on the journey towards an insurance transaction. I recently discussed these with Larisa Gordan and Oliver Reece, while Hatty Goodwin also shared some useful practical tips to help trustees and advisers secure the best possible outcomes, including small and micro schemes. 🎧 Have a listen here: https://lnkd.in/ebc-WU-9 #weareigg #pensions #DeRisking #ProfessionalTrustees #ThePensionist

I know for a lot of my friends, they have never even heard of something called The Great Wealth Transfer, but it is something I have been wanting to talk more about. I speak heavily with my clients about what is called the K economy. In simple terms, it is the idea that the gap between ultra high net worth families and everyone else keeps getting wider. You can see it in everyday life. The conversations are getting louder about how, as one generation passes on, a massive amount of wealth will be transferred to the next. For many families, that shift could be life changing. At the same time, there are a lot of real emotions floating around. Wars. Rising gas prices. Layoffs. Fewer jobs being added. Market uncertainty. It can feel scary, and I do not blame anyone for feeling that way. I do not have a single ultra high net worth client. Honestly, I am not even sure that would be my focus. I am the son of refugees from the Vietnam War. My parents built a nail salon before they ever owned a home. My brothers and I grew up doing homework and eating ramen inside that salon. That is where my perspective on money was shaped. Now my mission is to educate families who are building from the ground up. To help close the gap between everyday families and the top one percent by focusing on knowledge, discipline, and long term thinking. I truly believe families can build real wealth over time, even in seasons that feel uncertain. It starts with education. It starts with a plan. And it starts with believing that your story does not limit your future.

“Free ourselves from average thinking” It was great to spend time discussing potential tail risks yesterday, with our excellent guest speakers. Plenty of ideas about how schemes could add more resilience. ▶️ Link to the recording available below.

PSERS’ recently released actuarial valuation report highlights a steadily improving funded ratio, a $1.1 billion decrease in unfunded liabilities, and active membership growth! 🎉 “Our commitment to our members guides the work we do every day, and we remain focused on making sound financial decisions that support our promise of providing a secure retirement,” said PSERS Executive Director Uri Monson. Read more! ⬇️ https://ow.ly/vGIB50YuPHA

oooh ---> same problems as 2008.....:( Blue Owl Capital has sold $1.4 billion of private credit loans from its funds (notably OBDC II) to major investors, aiming to return 30% of capital to shareholders by late March 2026, with plans to reach 50%. The sale, described as a response to investor demand for liquidity, includes participation from pensions like CalPERS and an affiliate, while triggering market concerns over valuation and a potential private credit bubble.  Bloomberg.com  +3

💬  "Discharging the fiduciary duty of trusteeship has never been more challenging – whether ensuring an appropriate investment strategy, utilising a surplus, deciding on a potential endgame, or holding advisers and service providers to account." Against this context, our IGG Head of PCST and Trustee Director Annabelle Hardiman explores the question many sponsors and trustees may be considering: To PCST, or not to PCST? Writing in Professional Pensions, she sets out answers to questions including: - What does the PCST model mean for cost, governance culture, and stakeholder engagement? - What other considerations should sponsors be aware of? - What are the benefits of the model? Head to the link in the comments to read the piece 🔗

Women typically live longer than men and retire with smaller pension pots. That means getting a secure, reliable income is even more important, writes Carolyn Jones. What makes modern annuities a powerful way to build stronger, longer lasting financial security with the flexibility to protect partners and dependants? Find out more: http://spr.ly/6049B6Dgdv Caroline Maddock-Jones Iain Petrie Jenny Davidson Susan Hope Neale Smith ACII, FPFS, Chartered Insurer Ross Easton

I work with employers on a daily basis considering the impact of the gender gap on accumulation, so fascinating to read an article on the importance of considering the right income vehicle (and options) when it comes to taking benefits. Let's help get the message out there! Scottish Widows Workplace Pensions