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.
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Defined Contribution (DC)

ESG and long-term themes

Why women aren’t winning in the pension stakes – and how to help

Despite the improvement automatic enrolment has made in increasing participation in pensions, there’s still a huge disparity when it comes to how much money women can expect to retire on compared with men.  
By Kim Brown

Investment strategy

Default funds and the veil of ignorance

How can default funds account for their members’ diversity?  ;
By John Southall

Investment strategy

Retirement Choices: Time to splash the cash?

In the third part of our Retirement Choices series, we turn our focus to members choosing to encash their DC pot at retirement.  ;
By Alexandra Miles

Investment strategy

Come rain or shine: Annuities in today’s post-retirement landscape

In the second part of our Retirement Choices series, we turn our focus to members choosing to annuitise their DC pot at retirement.  ;
By Alexandra Miles

Investment strategy

Retirement Choices: Why drawing down is going up

In recent years, retirees have increasingly turned to income drawdown to help fund the lifestyle they want.  ;
By Emma Douglas

Investment strategy

Should longevity risk affect investment strategy?

An important question in many investment contexts is whether the presence of (unhedged) longevity risk should affect an investor’s strategy.  ;
By John Southall

Investment strategy

Durable decumulation: improving retirees’ withdrawal symptoms

Are savers taking their pension’s pulse regularly enough? We examine a health check that could help investors spend sustainably.  ;
By John Southall

Investment strategy

COVID-19 and scheme members: Marrying engagement with action

During lockdown, scheme members have increasingly plugged into remote technologies to view and manage their pensions. How can the DC industry ensure it builds on these newfound levels of engagement?  ;
By Jesal Mistry

Investment strategy

Should retirement withdrawals depend on real interest rates?

After spending years saving, how much should retirees spend?  ;
By John Southall

ESG and long-term themes

No ‘I’ in ESG: why are millennial men so selfish?

Our latest research exposes millennial men as ESG laggards. Can pension investing balance a desire to be responsible with the other pressures acting on this climate-conscious but financially stretched generation?  ;
By Jesal Mistry

Investment strategy

Post-retirement strategy: can two wrongs make a right?

Investors can turn some of their behavioural biases to their advantage when managing their pension savings.;
By John Southall

Investment strategy

When de-risking becomes risky

Some default pension plans are mechanistically putting savers’ assets into cash too early; diversification can help members to de-risk while remaining in markets for longer.;
By Simon Chinnery

Investment strategy

Targeting diversification from the start of the DC saving journey

Those at the start of their pension journey may feel they must stomach the volatility of a high equity allocation to achieve higher returns, but we don’t believe diversification has to mean accepting a lower risk-adjusted performance.;
By Simon Chinnery

Investment strategy

Four persistent myths about younger DC savers – and if they hold water

Are millennial investors really challenging saving stereotypes when it comes to retirement? A PLSA survey of post-2012 auto-enrolment savers carried out in early 2019 threw up some interesting findings. We tested if four commonly-held opinions stand up to scrutiny.;
By SuAnn Song

Investment strategy

Working longer needn’t necessarily confirm DC members’ pension fears

Members’ doubts about not having enough to live on after retirement are causing bouts of ‘reckless prudence’. Presenting a broader set of pension options, earlier, may assuage them.;
By Simon Chinnery

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