Hello,

As we are all aware, there are countless investment styles for people to adhere to. At Zurich, our investment philosophy is explicitly founded on a consistent active top-down process. However, it doesn’t just stop at managing multi-asset funds. We have a keen focus on how DC default investment strategies operate and how they can add, and in some cases, detract from overall client returns.

 

Your chosen asset mix, de-risk period, de-risk mechanism, and target-end fund split, are all key active, subjective inputs into a strategy. They cannot be done passively, and there is no ‘market’ to simply attempt to replicate.

 

With the upcoming implementation of Auto-enrolment a lot of focus has been rightly on tax relief and the pros and cons of implementing your own DC scheme on your own terms. Whilst this is all important, what your contributions do when they’re invested ultimately determines what sort of retirement you’ll enjoy. Investment performance is the clear driver of pension adequacy for your clients and their employees. With Auto-enrolment looming large there is an opportunity for companies to be active in relation to their employee pension scheme, and the role of financial advice is imperative in this regard.

 

With that in mind, Zurich are proud to partner with Financial Advisors to bring corporate pension solutions to their clients.