We are committed to continuous improvement across our DC strategies, based on thorough research into priority areas both for investments and for client experience. Our research for the year ahead can be segmented into the following key themes:

1. Optimizing Risk Levels
   Reviewing our established member risk budgets to ensure that we are taking the optimal level of risk within our glide path strategies. This enables us to target the maximum level of return potential while avoiding an unsuitable level of risk. This review will consider new product evolution and new market research.

2. Enhancing Diversification and Risk Management
   Considering allocations and alternative approaches that allow us to unlock additional returns, and/or to better manage risk. Ultimately, more efficient diversified asset allocation allows us to incorporate higher-growth-orientated asset exposures without taking more overall risk in the glide path strategy. We incorporate in this agenda item research related to managing strategies’ ESG risks.

3. Improving Client Transparency
   Continuing to improve insights for our clients and their members on how their money is invested.

4. Innovative Product and Policy Development
   Building new product concepts to address emerging client challenges and needs, as well as innovating to update existing concepts.

You can now read the full whitepaper at the link below