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Driven by intellect
The Value for Money Framework… what will it mean for trustees and, ultimately, member outcomes
The FCA has just published the template showing...
FCA expectations for investment firms: due diligence when onboarding new adviser firms
In this article we look at what the FCA looks for when investment firms in the UK onboard new adviser clients and explore the key areas of due diligence that is expected by the city regulator.
Actively Managed Certificates (AMCs) and their distinction from regular Structured Products
What’s the difference between Structured Products and Actively Managed Certificates. Read here to find out more.
Our latest news
Socius achieves ISO 27001: 2022 Certification
Socius Technologies is proud to announce its recent achievement of the ISO 27001: 2022 certification, the globally recognized standard for information security, cybersecurity, and privacy protection.
Socius announce the launch of their new SPERO® Retirement Platform
Socius Technologies launches SPERO® a dynamic retirement income platform designed for providers to personalise income strategies at scale. Optimising income and legacy benefits for retirees.
Arcus Partners adopts the Socius structured products portal for UK advisers
Arcus Partners collaborates with Socius Technologies to launch the UK’s first fully digital structured product solution, enhancing efficiency for IFAs and clients.
In the news
The starting point for assessing good outcomes in retirement
Trustees have a growing responsibility to provide effective retirement income solutions. But to deliver good outcomes a holistic approach, focusing on both financial security and member well-being, is needed.
Does de-risking in the run up to retirement deliver better results?
Are de-risking strategies in the run-up to retirement actually better for savers? And what do we mean by better? David Mcdonald suggests rethinking what “better outcomes” truly mean and warns against adopting a one-size-fits-all approach to pension investment strategies.
DWP urged to implement three-stage approach to pension choices consultation
Industry advocates for more effective financial education to assist members’ choices. The Department for Work and Pensions (DWP) has been urged by the industry to take a “three-stage” approach towards the implementation of its ‘Helping savers understand their pensions choices’ consultation.
Our exclusive thinking
Personal dynamic derisking versus glide path
Dynamic personal de-risking offers superior retirement outcomes compared to traditional glide paths by maintaining more exposure to performance assets and only shifting to low-risk assets when necessary. Optimising the balance between risk and reward, provides better protection and higher potential returns. Our analysis demonstrates that dynamic de-risking strategies add more value, reduce downside risk, and offers a solution tailored to individual member needs.
Personal glide paths offer better member outcomes
Unlike generic glide path funds, personalised strategies adapt to each member’s unique circumstances, balancing risk and reward dynamically. This approach offers better outcomes by adjusting asset allocations in real-time, responding to market changes and personal financial situations. Delivering personalised, scalable solutions can drive better customer engagement and attract higher assets under management in a competitive market.
Four ways to measure retirement income solutions
This article examines using failure rates in retirement planning tool – a necessary, but not sufficient metric when considering how to best optimise outcomes
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David MacDonald
CEO
