Pensions: de-risking final-salary liabilities — what are the options?

Final-salary liabilities for past and future service can often be reduced — it is just a case of knowing how to go about it and understanding how to manage the trustees’ concerns.

If you are currently thinking about de-risking your final salary (defined benefit) occupational pension scheme liabilities - and many boards are - here is a checklist of some of the options available. Before considering securing liabilities externally with, for example, an insurer there are many cost-effective steps that can be taken. You’ll need to look at the pension scheme’s trust documents and check your employees’ contracts to be certain as to which options can apply. Working with your benefits consultants and actuarial advisers, Nabarro can help you select and implement a de-risking solution that is tailor-made for the risks you face…

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