Disclaimer: Views in this blog do not promote, and are not directly connected to any Legal & General Investment Management (LGIM) product or service. Views are from a range of LGIM investment professionals and do not necessarily reflect the views of LGIM. For investment professionals only.

Veronica Humble

Head of DC Investment Strategy

Veronica is responsible for LGIM’s Defined Contributions research and development. She's interested in all aspects of DC and retirement investment strategy and decision-making. She also spends a lot of time looking at long-term demographic trends and what they mean for our clients. Veronica has an MSc in mathematics and a PhD in statistics.

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Investment strategy

Should investing be more emotionally driven?

Emotions are important and they are particularly powerful with millennial consumers. Frequently cited as ‘disengaged with investing’ and ‘holding their wealth in cash’, enchanting this generation is going to be a critical part of engaging with them.;
By Veronica Humble

Investment strategy

Short of DC dough?

We constantly hear that the UK population is not saving enough for retirement, but is this true for all generations?;
By Veronica Humble

Investment strategy

The Long and Winding Road? Beating retirement stereotypes

We all know that retirement is changing, but how?;
By Veronica Humble

Investment strategy

Are annuities making a comeback?

Although sudden jumps in popularity are unlikely, we anticipate the tide turning and the sales of annuities steadily increasing in the next 5-10 years. However, we still expect income drawdown to become the main choice at retirement.;
By Veronica Humble

Investment strategy

Do people spend their retirement savings too quickly?

Some in the financial industry worry that as a result of the government's introduction of 'pension freedoms’, individuals will spend their retirement savings irresponsibly. There is little evidence to justify this concern.;
By Veronica Humble

Investment strategy

How much investment risk should young DC savers take?

It’s a standard financial rule of thumb that younger investors should invest in equities and then de-risk later in life. But are arguments for taking more risk as clear-cut as they seem?;
By Veronica Humble

Investment strategy

Is the UK’s pension the worst in the developed world?

The UK state pension has long been the subject of some derision in the media. But is it really as bad as it’s made out to be relative to developed world peers?;
By Veronica Humble

Authors from the same team (16)

Adam Rheinberg

Solutions & LDI Product Specialist

Adam focuses on working with our clients to implement LDI and broader solutions based investment strategies. Adam joined LGIM in October 2016 from Willis Towers Watson where he was an investment analyst in the Structured Products team. Here he advised a range of defined benefit pension funds on their LDI strategies. Adam graduated from the University of Oxford in 2013 and holds a master’s in maths. He has passed all three levels of the CFA Program, and may be awarded the charter upon completion of the required work experience.

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Alexandra Miles

Senior Solutions Strategy Manager

Alexandra works with our DB and DC clients to implement broader solutions based investment strategies. Alexandra joined LGIM as an LDI & Solutions product specialist in 2014 from Willis Towers Watson where she worked in both the Benefits and Investment strategy teams. Alexandra has an MEng in Aeronautical Engineering, an MSc in Actuarial Finance and is a Fellow of the Institute of Actuaries

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Aniket Das

Senior Investment Strategist - Index & Factor-Based Investing

Aniket is responsible for LGIM’s research in the field of factor-based investing. Aniket joined LGIM in 2016 from Redington where he held the title of Senior Vice President. There he was responsible for leading the research and development of factor-based solutions for clients. Prior to that, in Australia, he worked in fund ratings at Standard & Poor’s. He commenced his career at Morningstar where he held roles covering equity research, asset allocation and retirement solutions development. Aniket is a fellow of the Institute and Faculty of Actuaries, a fellow of the Institute of Actuaries of Australia and a CFA charterholder. He holds bachelor and master degrees in actuarial studies and applied finance from Macquarie University in Sydney, Australia.

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Anne-Marie Morris (née Cunnold)

Senior Solutions Strategist

I design bespoke solutions primarily for DB Pension Fund clients in collaboration with their consultants and advisers, using both physical assets and derivatives primarily for LDI, asset allocation and equity option strategies. When not eulogising about derivatives and LDI, I might be found singing my heart out in classical concerts or volunteering.

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Femi Bart-Williams

Senior Solutions Strategy Manager

Femi focuses on working with our clients to implement LDI and broader solutions based investment strategies. Femi joined LGIM as a pension solutions structurer in 2009 before moving into the Strategic Investment and Risk Management (SIRM) team on its formation in early 2011. Femi joined LGIM in 2009 from Deloitte. Prior to this role he worked for P-Solve Asset Solutions. Femi graduated from the London School of Economics in 1999 with a first class honours degree in actuarial science and is a fellow of the Institute of Actuaries.

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John Southall

Head of Solutions Research

John works on financial modelling, investment strategy development and thought leadership. He also gets involved in bespoke strategy work. John used to work as a pensions consultant before joining LGIM in 2011. He has a PhD in dynamical systems and is a qualified actuary.

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Jonathan Joiner

Senior Solutions Strategy Manager

Don't be surprised if Johnny doesn't look like the photo above. This was taken before the birth of his first child when sleep wasn't deemed a luxury. Beyond running around after his daughter, Johnny loves to travel and eat out. This has led him to invent a new meal, Dinch (dinner/lunch), ideally timed for parents who want to eat out but are conscious of baby's bed time.

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Joseph England

Portfolio Construction Manager

When I’m not geeking out on all things LDI I’m either hacking my way round a golf course or slowly learning French. I’m always happy to chat about pensions, markets and rugby.

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Mitul Patel

Portfolio Manager

Mitul joined LGIM's Active Liability Solutions team in December 2018, having spent 12 years at Janus Henderson Investors, most recently as Head of Interest Rates. Mitul always felt destined to manage government bond portfolios, on account of sharing a birthday with the date that several gilts pay their coupons.

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Moin Hussain

Intern

Moin joined the general insurance team in Birmingham with a plan in mind to join LGIM. He sent emails to the entire investment floor and shadowed LGIM investment teams. Six months later, Moin was successful in obtaining an internship within the LDI team. After that he managed to extend his tenure at LGIM with the ISM team. Now Moin work within the Valuations team.

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Mykolas Padolskis

Solutions Strategy Associate

Myk works as a strategist within LGIM’s Solutions team, helping our clients implement LDI and broader solutions-based investment strategies. He joined LGIM in 2019 from Fidelity International where he was a graduate technology analyst. Myk graduated from the University of Southampton with a degree in Mechanical Engineering.

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Nelly Terekhova

Senior Portfolio Manager, Solutions Portfolio Management

Nelly is very keen salsa dancer by night and a senior LDI portfolio manager by day. She spends her days looking at the markets, designing portfolios for pension-fund clients, and training junior fund managers, and her evenings either dancing or planning her next trip. Nelly has an MSc (distinction) in Finance and Investment from Edinburgh University Business School and a BSc in Economics and Finance from the London School of Economics. Her other hobbies include being on stage – be it speaking at an international conference or doing a catwalk in a fashion show.

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Robert Pace

Senior Solutions Strategist

Robert works with clients on LDI and broader solutions-based investment strategy. His three Rs are rates, regulation and arithmetic (showing a maths degree lives on forever). When Robert is not pondering LDI or investment strategy and talking to clients, he can often be found cycling in the Surrey Hills or watching hours of cycling coverage on Eurosport (at 30x speed in order to prolong his marriage).

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Safwan Mir

Solutions Strategy Associate

Safwan joined LGIM in January 2021 from Lane Clark & Peacock, where he was an associate within the Investment Consulting team and advised a range of institutional investors on their investment strategies. Safwan graduated from Cass Business School in 2018, holds a BSc in actuarial science, and is studying towards becoming a fellow of the Institute and Faculty of Actuaries.

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Silvio Corgiat Mecio

Senior Quantitative Strategist

Silvio works in the Solutions Group and looks after the design and implementation of bespoke investment and risk-management strategies. Silvio leads LGIM’s ESG modelling framework: this covers internal ESG scoring and the integration of ESG themes into the index portfolio construction process. Prior to joining LGIM, Silvio worked in derivatives valuation roles for major financial institutions in Italy, Ireland and UK. He graduated with honours from the University of Turin with an MSc in Finance. He is a certified FRM and a CFA charterholder.

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SuAnn Song

Investment Solutions Associate, DC

Su focuses on developing investment solutions and thought leadership for DC clients. She joined LGIM in January 2019, having previously been an investment consultant at PwC, where she worked with pension funds, charity and university clients in formulating investment strategies and portfolio modelling.

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