Optimise employees’ long-term financial wellbeing

Pension Investment Fund Consulting used to be a requirement for large employers that ran their own pension schemes. Today, all UK employers need to offer their employees access to a Workplace Pension Scheme under their Auto Enrolment duties. Consequently, the need for employers to review their Pension Investment Funds has grown significantly.

Legislation requires that all Workplace Pension Schemes have a Default Investment for their members in order that employees can be auto enrolled and begin saving for their future without the pressure of making investment decisions. But, with the wrong Pension Investment Fund, both employers and employees are at risk of throwing good money after bad. Our Pension Investment Fund Consulting experts can help you ensure your scheme investment strategy remains fit for purpose.

Our Approach to Pension Investment Fund Consulting for Employers

No organisation is the same. Workforces vary tremendously and the needs of employees in terms of their long-term financial wellbeing will differ as a result. For example, an older workforce with an average age that is closer to retirement may require a Default Pension Investment Fund that is less volatile, meaning member’s pension pots will not be as volatile. A younger workforce, on the other hand, may be suited to a more adventurous investment strategy that may provide greater returns over a longer period.
Our Pension Investment Fund Consulting experts will conduct a rigorous needs analysis that covers the full range of factors and considerations unique to your organisation’s workforce, such as:
  • Workforce Analysis: to understand your organisation’s demographic
  • Pension Investment Fund Review: to quantify and interpret your existing Default Investment Fund or Default Investment Strategy against its given objectives
  • Review of alternative fund options: where existing arrangements are considered unsuitable, we will review the investment alternatives available to your scheme
  • Market Review: where no suitable alternatives exist or where a combination of other factors mean the overall value of your scheme can be improved, we will conduct a full market review. In doing so, our Workplace Pension consultants can secure the best terms available to your organisation and offer all the support you and your members need to make the most out of any new scheme

One to One Pension Investment Fund Consulting for Employees

By the very nature of individuals, one solution is not right for everyone. Many employers are increasingly aware of the need to support their employees’ long-term financial wellbeing and wish to offer guidance in making financial decisions.
For employers wishing to provide this level of support, our Pension Investment Fund Consulting team, formed of Chartered Financial Planners and Financial Advisers, can arrange to see each of your employees individually to provide individual Pension Investment Advice or Guidance.
Creative has a wealth of experience making financial decisions, Employee Benefits and Workplace Pensions truly personal to individuals. Time and again, our feedback shows that employees value an environment where there are ‘no silly questions’ and they can build their confidence with unfamiliar financial matters like investments in a way that suits them.
We know this is beneficial to employees because understanding what asset types, and which individual funds, to invest money into is a daunting prospect filled with many risks. Our process starts with ascertaining each employee’s  attitude towards investment risk and their capacity for loss, using bespoke software which is compiled and controlled by our dedicated Investment Committee. This leads to an asset allocation recommendation and an appropriate investment strategy that takes their profile into account.
Our advisers and consultants are skilled at making the complex simple and talking to people on terms they understand and value. We believe in this approach because it generates the best results and provides employees with an easy way for them to understand their choices.

Let Creative ensure your pension investments support employees’ long-term financial wellbeing

Creative is independent from any investment provider and can offer you and your employees an impartial approach to your Pension Investment Fund Consulting needs.
When it comes to your Workplace Pension, it pays dividends to know your Investment Strategy is supporting the needs of your workforce. Let’s make every penny of your investment in your employees’ financial wellbeing count. Talk to Creative today.

 

Important information about Pension Investments

  • The value of your investment may go down as well as up and you may not get back what you initially invested

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What employees say about our service

It’s all been very good. The best thing I ever did was appoint you guys!

DirectorBuilding and Plumbing Supply Company

Thank you so much for the past two days!

You have been most helpful and I am sure the staff had learnt a lot.

Human Resources OfficerPrivate Members Club

Your presentation and the 121 sessions you hold are extremely beneficial to staff and we have a lot of engagement with pensions after you visit with employees reviewing their pension contributions and also new starters signing up.

Hema ChudasamaHR Manager | Institution Of Mechanical Engineers

He liked the time you gave to the whole exercise and the 1:1 in particular and the avoidance of jargon. He felt he was able to understand everything for the first time and, from my conversation with him, certainly has a good grasp of the facts.

ManagerEngineering Company

I’m glad that the Pension Review Meetings were a success - many staff members praised your presentation and found the 1-2-1 sessions highly beneficial.

Natasha MistryHR Administration | Institution Of Mechanical Engineers