Defined benefit pension solutions to help you reduce risk and pursue better outcomes

We provide thousands of defined benefit pension plans with valuable insights, trusted advice and practical support at every stage of the journey. Our global scale and extensive resources can help support you in any scenario, 同时提供定制的见解, guidance and support tailored to your plan’s needs.

 

固定收益(DB)养老金帮助全世界数百万人获得退休收入. While plans can be at varying stages of maturity, a large portion are in the process of de-risking and working towards plan closure. 我们认为固定收益计划有几个重点——限制风险暴露和为雇员(受益人)提供更好的退休收入。.  

  • Delivering positive retirement outcomes

    Managing a DB strategy is not as easy task. 试图提供更好的回报, 您需要能够识别并抓住有助于满足长期资金需求的机会, while dealing with challenges such as sustainability, 长寿, interest rate volatility and regulatory pressures.

  • 限制计划风险暴露

    一般来说, 固定收益计划必须管理未来资金不足的风险，并采取措施确保成员福利得到适当保障. To assist in managing these uncertainties, 计划受托人可以有效地考虑一系列解决方案，包括投资策略, hedging, 风险转移, 提供会员选择, 安排财政支持.

How to address common defined benefit pension challenges 

No two defined benefit (DB) plans are the same. Every individual plan has its own 资金的位置, 风险预测, 投资策略, sponsor relationship and governance requirements. Despite this, there are some themes and requirements common to most DB plans.

Depending on your risk appetite and objectives, there are a number of strategies you can consider to manage your pension risk. 例如，你可以采用一种策略，减少你在波动市场中的风险敞口，或者采用一种策略，使你能够快速反应，利用动态的市场变化.

您的风险偏好应与您的总体融资目标保持一致，并使您能够探索降低风险选项的好处(包括买入或买断)。, liability-driven investments and 资产负债模型.

Our pension risk consultants can help you set up glide paths and de-risk levels, and integrate risk management with funding improvement, 负债驱动投资(LDI), 资产负债模型, 投资组合构建, 成员选择, and 风险转移 options such as buyout. 

监管的变化, 立法, 政治不确定性和市场波动正促使投资者在养老金资产负债表上寻求更广泛的机会，以寻求潜在回报或管理风险.

许多资产管理公司和投资策略现在更加意识到更广泛的社会背景，并将可持续发展目标纳入其中. 实施一项反映你长期负债和目标的投资策略, 您需要能够识别和开发正确的战略资产配置和资产管理公司的投资组合，以满足您的需求.

我们可以帮助您检查大范围的资产类别和市场/回报驱动因素，以创建我们认为是最佳的战略计划，以帮助您在适当的风险概况下实现计划的增长目标. 

Actuarial requirements will include regular valuation, 监控你的资金状况, budget forecasting and compliance requirements. This may involve coordination over multiple plans in different geographies, 或者满足当地需求. You may need to examine retirement plan design, 应对监管变化, to encounter impact from corporate transactions, or even to address potential plan termination.

我们在世界各地拥有合格的精算师和分析师，可以帮助您满足您的精算需求. To find out more about actuarial services in your jurisdiction, 98858威尼斯70570.

获得外部专门知识和资源有助于减轻养恤金计划的行政负担. 无论你的计划是开放的还是封闭的, 累积或冻结, we can help you alleviate resource constraints, 管理计划的复杂性, 管理合规风险.

我们的服务范围从共同外包到完全外包，并包括在关键业务或人员变动时的临时协助.

A range of solutions for every stage of your defined benefit plan journey 

  • 美世养老金风险交易所

    为考虑进行大宗年金交易的机构和受托人提供的网上市场. 该交易所提供对最新保险公司定价的直接访问，并显示与计划融资和会计指标相关的年金交易成本. 98858威尼斯70570以了解更多信息.

  • 美世动态去风险解决方案

    Capitalising on our risk management and operational expertise, this solution provides a framework to define your target endgame, 还有到达那里的路线图. 路线图可以帮助你对市场状况做出反应，并继续朝着你想要的结果前进. 98858威尼斯70570以了解更多信息.

  • 实施和OCIO

    我们可以帮你定义, develop and implement your 投资策略 by addressing areas such as governance, risk, 可持续性和多样化. We flex our services to suit your needs and help you achieve your investment goals.

  • 固定收益(DB)仪表板

    这是一个交互式在线工具，提供全球所有固定收益计划的关键统计数据概述, 包括投资策略, 资金的位置, projected cash flows and value at risk. It can be customised to drill down to different levels of plan information, and allows users to assess ‘what-if’ scenarios. 98858威尼斯70570以了解更多信息.

  • 可持续投资

    We help you build a sustainable 投资策略 that integrates environmental, social and governance (ESG) considerations; diversity, 公平和包容(DEI)因素，并寻求积极变化和有利回报之间的最佳组合. 

  • 资产管理公司研究

    通过订阅美世洞察®, 与投资公司结盟, 您可以访问数据, 分析和我们对资产管理公司的前瞻性研究，以及公共和私人市场上数千种投资策略.

  • 全球和本地精算师

    关注影响跨国组织利益和更广泛薪酬需求的问题, 我们提供建议, strategy and coordinated delivery of global and regional solutions. Leveraging our proprietary Mercer Globe tool, we provide global coordination of funding and accounting valuations, 假设设置, consolidated reporting and global DB and DC plan management. 98858威尼斯70570以了解更多信息.

  • 交易服务

    我们的团队在帮助客户管理复杂的交易(如买入)方面经验丰富, buy-outs and large member option programmes.  We can draw on deep industry relationships, 包括保险公司, to assist clients in assessing the feasibility and optimal design of such solutions, along with assisting at every stage of the implementation journey. 98858威尼斯70570以了解更多信息.

  • 战略研究

    成为美世洞察的一员® 社区，以获取来自世界各地数百名思想领袖的战略研究, including Mercer and third-party publishers. 它是免费的，很容易加入.

It's all here: MercerInsight® Community

简化搜索. 从投资行业的思想领袖那里获得适合您兴趣的战略研究, including Mercer and hundreds of third‑party publishers. Membership is complimentary, and it takes seconds to sign up.
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We're here to help you manage the various challenges, and capture opportunities within defined benefit pensions

请参阅我们的重要通知

1 ESG investing refers to environmental, social, 以及可能对财务业绩产生重大影响的治理考虑, 因此被考虑在内, alongside other economic and financial metrics, in assessing the risk and return potential of an investment. Thematic investing involves investing with a goal, 至少在某种程度上, to achieve an impact on an environmental, social, 或者治理问题, alongside generating return and mitigating risk. 一如既往地, the decision whether to invest in ESG-themed options, 和所有选项一样, 是否必须遵循审慎的程序，以促进计划及其参与者的财务利益.