Retirement

Aiming to improve people’s retirement journey

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 scheme. For this companies 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 recognize 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 plan sponsors 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 are tailored to meet the needs of our clients. The Schroders platform helps bring together our 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.

What are the risks?

Past performance is not a guide to future performance and may not be repeated.

The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested. Exchange rate changes may cause the value of any overseas investments to rise or fall.

Important information

The views and opinions contained herein are those of the authors, and may not necessarily represent views expressed or reflected in other Schroders communications, strategies or funds. This webpage is intended to be for information purposes only. The material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. The material is not intended to provide, and should not be relied on for, accounting, legal or tax advice, or investment recommendations. Information herein is believed to be reliable but Schroders does not warrant its completeness or accuracy. No responsibility can be accepted for errors of fact or opinion. Reliance should not be placed on the views and information in the webpage when taking individual investment and/or strategic decisions. Past performance is not a reliable indicator of future results, prices of shares and the income from them may fall as well as rise and investors may not get back the amount originally invested. All investments, domestic and foreign, involve risks including the risk of possible loss of principal. Investing in equities involves risk considerations, including market risk, prospects of stocks in the portfolio, changing interest rates, and real or perceived adverse competitive industry conditions. Investing in bonds may include interest rate, credit, inflation/deflation risk, mortgage and asset-backed securities, U.S. Government securities, and liquidity risks, to varying degrees. Investing overseas involves special risks including among others, risk related to political or economic instability, foreign currency (such as exchange, valuation, and fluctuation) risk, market entry or exit restrictions, illiquidity and taxation. These risks exist to a greater extent in emerging markets than in developed markets. The use of derivatives involves risks different from, or possibly greater than, the risks associated with investing directly in the underlying assets. Private assets are intended only for qualified and/or sophisticated investors and carry special risk considerations, including illiquidity risk, wide differences in valuations, the use of leverage, and higher credit risk than traditional assets. Asset allocation and diversification cannot ensure a profit or protect against loss of principal. No investment strategy, capability or technique can guarantee it will achieve its stated objective. UK Investors: The data contained in this webpage has been obtained from sources we consider to be reliable. No responsibility can be accepted for errors of fact and the data should be independently verified before further publication or use. The sectors shown are for illustrative purposes only and not to be considered a recommendation to buy or sell. Exchange rate changes may cause the value of any overseas investments to rise or fall. In North America, this content is issued by Schroder Investment Management North America Inc., an indirect wholly owned subsidiary of Schroders plc providing asset management products and services as a US SEC registered investment adviser and in the capacity of Portfolio Manager with the securities regulatory authorities in Canada. For all other users, this content is issued by Schroder Investment Management Limited, 1 London Wall Place, London EC2Y 5AU. Registered No. 1893220 England. Authorized and regulated by the Financial Conduct Authority.

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Schroders is a world-class asset manager operating from 38 locations across Europe, the Americas, Asia and the Middle East.

Our sales team is available to discuss with you any investment options and opportunities you might be interested in. For any further questions, please contact us.

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Please consider a fund's investment objectives, risks, charges and expenses carefully before investing. The Schroder mutual funds (the “Funds”) are distributed by The Hartford Funds, a member of FINRA. To obtain product risk and other information on any Schroders Fund, please click the following link. Read the prospectus carefully before investing. To obtain any further information call your financial advisor or call The Hartford Funds at 1-800-456-7526 for Individual Investors. The Hartford Funds is not an affiliate of Schroders plc.

Schroder Investment Management North America Inc. (“SIMNA”) is an SEC registered investment adviser, CRD Number 105820, providing asset management products and services to clients in the US and in Canada registered as a Portfolio Manager with the securities regulatory authorities in Alberta, British Columbia, Manitoba, Nova Scotia, Ontario, Quebec and Saskatchewan. Schroder Fund Advisors LLC (“SFA”) is a wholly-owned subsidiary of SIMNA Inc. and is registered as a limited purpose broker-dealer with FINRA and as an Exempt Market Dealer with the securities regulatory authorities in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. SFA markets certain investment vehicles for which other Schroders entities are investment advisers.

Schroders Capital is the private markets investment division of Schroders plc. Schroders Capital Management (US) Inc. (‘Schroders Capital US’) is registered as an investment adviser with the US Securities and Exchange Commission (SEC). It provides asset management products and services to clients in the United States and Canada. For more information, visit www.schroderscapital.com

SIMNA, SFA and Schroders Capital are wholly owned subsidiaries of Schroders plc.

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Our multi-asset investment views - January 2023

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Retirement

Aiming to improve people’s retirement journey

The retirement challenge

Active investment and collaboration

Longevity of relationship

Global reach and resources

Products for each step of the journey

What are the risks?

Contact Schroders

Select a region

Select a location

Select a site

Retail Investors

Retirement Services

Mutual fund investment

Private Investor

Real Estate

Asset management

Wealth management

Select a region

Select a location

Select a site

Retail Investors

Retirement Services

Mutual fund investment

Private Investor

Real Estate

Asset management

Wealth management

Schroders in the US

Schroders Globally

Latest News

Our multi-asset investment views - January 2023

From the ashes emerge compelling opportunities

Finding ourselves in the ESG avocado

Read the article

Schroders Institutional Investor Study 2022

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Our multi-asset investment views - January 2023

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Retirement

Aiming to improve people’s retirement journey

The retirement challenge

Active investment and collaboration

Longevity of relationship

Global reach and resources

Products for each step of the journey

What are the risks?

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