Can a DB master trust help me achieve my endgame?
Whatever your preferred endgame, a defined benefit (DB) master trust can smooth your journey.
DB master trust pension schemes are increasingly popular as DB schemes face the combined pressures of rising costs, extra complexity and a growing governance burden.
A DB master trust combines many schemes under one trust to provide individual schemes the benefits of scale and professional expertise. Each scheme is ring-fenced and the sponsor continues to pay contributions with high-level oversight.
DB Master trusts could help DB schemes achieve self-sufficiency faster by improving governance, providing better investment options and reducing costs compared with remaining as a standalone scheme.
Depending on a DB scheme’s circumstances, a DB master trust can also support it on the path to buyout by reducing risk so that the scheme can transfer liabilities to an insurer.
The trustees of a good DB master trust will work with the scheme’s sponsor to decide on the best approach to secure members’ benefits.
Buyout or self-sufficiency, a DB master trust could help
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