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For pensionfunds/pension administrators

Duty of care
Pension funds have a duty of care. On a collective level, the fund's risk profile should correspond to that of its participants. Regarding the individual, the fund needs to take care that the participant's choices are in accordance with his personal risk profile. Obviously this applies to pension arrangements where the participant can make his own investment choices, eg between an offensive/neutral/defensive lifecycle or investment mix.

Proven approach
Montae pension consultants, together with Söderberg & Partners, have developed a method to determine the participants' risk profile, both individually and collectively. S&P's RiskProfiler tool is used to perform this analysis effectively and efficiently.

The collective risk profile is compared against the risk profile of the investment funds or lifecycles from which the participant may choose. The results of this analysis can be used to select the best matching (providers of) funds and lifecycles. When the set of products has been established, the individual participant can subsequently select - again supported by the RiskProfiler - his preferred alternative.

Meanwhile several pension funds have experienced the advantages of our approach. In case you want to learn more about how we can support your pension funds in this area, please contact us. We are happy to be of service.

 

Our solutions

FinTech

Tools to support virtually all aspects of financial advisory practice.

RiskProfiler

Tool to determine risk capacity and risk appetite for employee / participant.

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Personal financial interview with expert adviser, to take financial control yourself.

Personnel training

Log in to employee portal for pension insight and financial perspective.

Personnel communication

Creating and executing communication with discussion partners.