A defined contribution pension plan designed to benefit you and your employees 

We offer defined contribution (DC) pension plans and retirement solutions, including outsourced chief investment officer (OCIO) services in many countries 世界各地. 我们可以帮你设计, plan and manage customised DC plans or implement a fully outsourced solution that aims to help you deliver on your business objectives while addressing the retirement needs of your workforce.

Implementing a defined contribution pension strategy 

A defined contribution (DC) plan aims to minimise a firm’s exposure to the pension 风险, long-term financial uncertainty and volatility that are inherent in traditional defined benefit (DB) plans. However, DC plans can be complex and burdensome, and bring new 风险s and responsibilities. 还有投资, employers need to consider governance, 风险, member engagement and retirement readiness.

Building your optimal strategy starts with design and implementation and then involves managing or outsourcing the delivery of a plan that aligns your organisational objectives with workforce demographics. To maximise the return on your time, effort and contributions made to the plan, it's important for employers to optimise retirement outcomes for employees. Engaging tools could help employees model their retirement outcomes according to changes in investment strategy, retirement age and contribution rates.

Investment responsibilities of defined contribution pension plan providers

We can help you find an optimal pension vehicle and investment structure that either is managed by your in-house teams or has certain elements outsourced to a third-party specialist. We can also suggest products that we believe will provide the right level of choice for employees, while staying aligned to company objectives.

As employees reach various life milestones, their choice of investment strategy may change. We can help you establish a DC investment structure that provides the option for flexible asset allocation and balances 风险 and expected return at all stages of members’ working lives.

We can leverage our extensive and global industry research to provide you with tailored advice on investment manager and fund selection to support your chosen strategy. We also advise on emerging market trends and opportunities, along with new product innovation.

We can help you offer employees an optimised investment strategy, finding the appropriate mix of expected return, 风险和分散投资. We benchmark manager performance and fees, enabling you to identify any areas where changes could improve outcomes for employees.

We can help you develop a financial wellness programme that engages employees and helps them reach their goals for every stage of their financial lives.

We can help you monitor your DC plans to ensure you stay on top of take-up rates, 贡献水平, 投资选择, investment manager performance and any other provider performance. We can also help you with compliance tasks. 

Building an optimal defined contribution strategy

  • Do you have access to robust investment research?
    我们不断调查, test and monitor investment managers and products, 世界各地, to provide you with the most up-to-date information and ideas.
  • Have you sought advice from an investment professional?
    Whether you want to streamline your plan or determine the right investment strategies to adopt, we can provide sound advice and guidance to help you optimise what you offer your employees and navigate the global provider landscape.
  • Have you considered third-party solutions?
    We can help you reduce the management and compliance burden associated with running your own self-administered plan, which could involve moving elements of managing the plan to third party packaged solutions tailored to your organisation, 和员工.

美世 CFA Institute Global Pension Index 2022

We benchmark 44 retirement income systems 世界各地, highlighting strengths and weaknesses.

Defined contribution pension plan solutions

We can help you deliver customised defined contribution (DC) plans that align with your business needs while providing your employees with a flexible investment opportunity. We can also support you with all aspects of DC pension provision, from investment to administration, enabling you to focus resources on your core business. Some solutions differ from region to region. 98858威尼斯70570 to find out what is available where you are.
  • 主的信任 

    We offer master trust solutions in Australia, 英国, and Ireland and collaborate with Equiom Fiduciary Services (Middle East) Limited in the UAE by providing investment advisory and solutions and with Alexander Forbes in South Africa by providing investment solutions.
  • 美世智慧401(k)计划 

    A fully outsourced retirement plan solution that seeks to reduce the complexities, costs and fiduciary 风险 associated with managing a defined contribution plan. 美世 acts as a named fiduciary responsible for the operation and investments for the plan. We offer the 401(k) in the United States.
  • 美世智慧PEP

    A pooled employer plan that seeks to lower plan costs, improve access to innovative investment management, and transfer administrative and fiduciary burdens to a third party. We can help you evaluate the potential benefits and drawbacks and determine the best vehicle for you. We offer 美世智慧PEP in the United States. 

How outsourcing your commitments could help you

A growing number of employers are choosing to work with specialist investment providers to help them manage their defined contribution (DC) pension commitments. While this approach has many names 世界各地 – outsourced CIO, OCIO, 授权解决方案, fiduciary management – the aim is the same: to offer solutions that enable plan providers to meet their goals more efficiently.

通过外包模型, employers and other providers maintain control over the critical decisions, 比如策略, plan design and asset allocation, leaving the technical and tactical tasks, including investment manager selection and monitoring, 尽职调查和监督, to a third-party specialist like 美世. We offer a range of outsourced pension and retirement solutions tailored to our client needs all 世界各地. 98858威尼斯70570 了解更多.


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