Retirement

Intelligent and sustainable retirement solutions

The retirement challenge

Companies face multiple challenges in regard to their pension plans. Regulators continue to set exacting parameters, while low interest rates continue to present funding challenges. Within defined contribution (DC) pension plans, individuals are often under-saved and face difficult decisions on what to do with their savings once they get to retirement.

The biggest challenge is to plug a funding gap in a low-return environment within the risk constraints of the plan or scheme. For this they need creative investment solutions, from managers who understand their unique needs to and through retirement.

Active investment and collaboration

Active investment management has the potential to help deliver the growth that schemes require, while managing risk appropriately. We recognise that the additional governance burden that comes with monitoring active managers against their objectives can be challenging for pension plans, but this can be appropriately managed by the right investment partner. At the same time, active investing can be a valuable tool in more effective and nuanced management of risks, particularly in the crucial phases as individuals approach and enter retirement.

We work collaboratively with pension plans to think about the big questions: how to deliver reliable, consistent income options; how to close a personal funding gap or protect against excessive investment risk; how to generate greater certainty for members around the type of retirement they can expect. We take time to understand their needs, building intelligent solutions that draw on our global expertise.

Longevity of relationship

Many of our clients, both large and small, have been with us for decades. We have helped them through each evolution of their schemes, from inception to maturity. We understand each stage in the pension fund lifecycle, and the associated responsibilities.

Global reach and resources

Schroders has a broad perspective, helping pension schemes across the globe. This enables us to share best practice from different countries, introducing new ideas and solutions where appropriate, and to collaborate across borders. We produce thought-provoking and academically-acclaimed thought leadership and combine this with our in-depth solutions expertise to provide products that meet the needs of our clients. The Schroders platform helps bring together the best ideas from every market to deliver the right solutions for every scheme.

Products for each step of the journey

Our funds span the full retirement journey – from those aiming to provide returns above inflation during the earning and saving phase, to those intending to provide an income for life in the later stages of retirement. There is an option to suit a multitude of requirements.

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Important Information
Any security(s) mentioned above is for illustrative purpose only, not a recommendation to invest or divest.
This material is intended to be for information purposes only and it is not intended as promotional material in any respect. The views and opinions contained herein are those of the author(s), and do not necessarily represent views expressed or reflected in other Schroders communications, strategies or funds. The material is not intended to provide, and should not be relied on for investment advice or recommendation. Opinions stated are matters of judgment, which may change. Information herein is believed to be reliable, but Schroder Investment Management (Hong Kong) Limited does not warrant its completeness or accuracy.
Investment involves risks. Past performance and any forecasts are not necessarily a guide to future or likely performance. You should remember that the value of investments can go down as well as up and is not guaranteed. Exchange rate changes may cause the value of the overseas investments to rise or fall. For risks associated with investment in securities in emerging and less developed markets, please refer to the relevant offering document.
The information contained in this material is provided for information purpose only and does not constitute any solicitation and offering of investment products. Potential investors should be aware that such investments involve market risk and should be regarded as long-term investments.
Derivatives carry a high degree of risk and should only be considered by sophisticated investors.
This material, including the website, has not been reviewed by the SFC. Issued by Schroder Investment Management (Hong Kong) Limited.

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The investments mentioned in this website may not be suitable to all investors. The information contained in this website is provided for reference only and does not constitute any investment advice. Investors are advised to seek independent advice before making any investment decision. Past performance is not indicative of future performance. Investment involves risk and investors may not get back the amount originally invested. Please read the relevant offering document carefully, in particular fund features and the risks involved in investing in the fund.

Schroder Investment Management (Hong Kong) Limited is regulated by the SFC. Non-Hong Kong residents are responsible for observing all applicable laws and regulations of their relevant jurisdictions before proceeding to access the information contained herein.

The website (excluding Schroder Provident Fund related pages) has not been reviewed by the SFC and may contain information of non-SFC authorized funds. Issued by Schroder Investment Management (Hong Kong) Limited.

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Retirement

Intelligent and sustainable retirement solutions

The retirement challenge

Active investment and collaboration

Longevity of relationship

Global reach and resources

Products for each step of the journey

Featured theme

Visit the below section for more information.

Post-retirementsolutions

Explore all Strategic Capabilities

LiquidAlternatives

AlphaEquity

Credit

EmergingMarkets

Income

Multi-AssetSolutions

Retirement

Sustainability

Private Assets

Solutions

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Post-retirement
solutions

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Alternatives

Alpha
Equity

Emerging
Markets

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Solutions