Defined Contribution

DC Investing Guiding Principles

Mercer has established a set of fundamental beliefs and guiding principles on which all investment decisions should be based. These beliefs and principles apply across the world and cover the continuum of services provided by Mercer, from investment consulting to fiduciary fund management.

DC plans have become the primary source of retirement income for many workers around the world and with this trend, the focus has moved from legacy defined benefit arrangements to offering best in class defined contribution programs.

Fiduciaries of DC plans are looking for ways to improve their plan and facilitating the effective investment of their plan members’ assets is a key priority.

Best practice DC investment approaches will vary across geographical regions and need to reflect each country’s norms, the availability of products and legislative influences. Despite these regional differences, Mercer believes that investment decisions should be based on a consistent set of guiding principles across regions.

The starting point for identifying global DC guiding principles is Mercer’s fundamental investment beliefs and guiding principles. However, when applying these beliefs and principles to DC investing, they need to be viewed through a “DC lens”.

Note that this use of the DC lens can also apply at a client level where a client’s general investments beliefs should be seen through the “DC lens” to establish the client’s DC Guiding Principles.

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