Funding pension shortfalls

Solutions to help maximise corporate pension provision

For many companies and their employees, pensions are a very real concern.

Employees may face the worry that the financial security they were expecting on retirement may not materialise. And employers face the pressure of how to fill any gap in their pension fund - and how to effectively protect against a gap reappearing in the future.

How our Corporate & Institutional business can help

  • Modelling and risk analysis - we can model different pension benefit structures and the impact of alternative asset strategies on investment risk.
  • Ideas generation - we have innovative solutions for pension schemes, including contingent funding solutions, hybrid derivatives and structured hedging solutions.
  • Execution counterparty - The Royal Bank of Scotland plc has very strong credit ratings (Aa1/AA/AA+ from Moodys/SandP/Fitch), allowing us to transfer risk from pension funds.
  • Trustee training - we can offer training sessions for Pension Trustees on swaps, equity derivatives or more general LDI solutions.