Welcome to the latest edition of our Master Trust Insights, in which we assess the impact of Master Trust default fund performance on member outcomes.

We expect the trend of schemes switching to Master Trust to continue unabated, and possibly at an increased pace, over the next few years. This will place even greater emphasis on the effective monitoring and comparison of providers. While recent fund performance is clearly an important factor in that endeavour, we believe it must be considered in the context of longer-term member outcomes.

‍Our Master Trust Insights report provides a forward-looking assessment by examining how recent market events and fund performance have impacted outcomes for different members. In simple terms, and from the perspective of most Master Trust members, who invest in the default fund, we answer the question: “What does this mean for me?”

In this edition, we start by looking beyond retirement. As DC benefits become a more significant part of members’ pension savings, it will become increasingly important for providers to support members in aligning their savings strategy in accumulation with their post-retirement saving and spending plans.

We cover the following areas:

• Member outcomes
• Stages of DC investing and the different investment approaches of a retirement savings journey. 

If you have any questions about selecting the right Master Trust, moving from your employer trust based scheme to a Master Trust, or even whether a Master Trust is right for your organisation, please get in touch.

Access the report