Does de-risking in the run up to retirement deliver better results?

David Macdonald says we need to move away from what some might see as lazy de-risking

clock • 6 min read
David Macdonald is chief executive of Socius Technologies
Image:

David Macdonald is chief executive of Socius Technologies

De-risking in the run up to retirement is a feature of most workplace defined contribution pension schemes, but does it deliver better results?

What is better? The obvious starting point for this discussion is to try to describe what ‘better' means. Some practitioners use generic statements such as maintaining a savers' lifestyle at r...

To continue reading this article...

Join Professional Pensions

Become a Professional Pensions Lite Member today

  • Three complimentary articles per month covering the latest real-time news, analysis and opinion from the industry
  • Receive important and breaking news stories via our two daily news alerts
  • Hear from industry experts and other forward-thinking leaders

Are you a trustee, investment consultant or in-house pension and benefit scheme professional? You can apply for full complimentary access here

Join now

 

Already a Professional Pensions
member?

Login

More on Defined Contribution

Savers favour caution when making retirement decisions

Savers favour caution when making retirement decisions

Research finds majority would either carefully manage pension withdrawals or phase into retirement

Martin Richmond
clock 26 October 2026 • 2 min read
Partner Insight: Should pension education become as routine as health and safety training?

Partner Insight: Should pension education become as routine as health and safety training?

L&G's Building Future You workplace pilot explores whether retirement adequacy can be supported by treating pension education as a workplace responsibility.

L&G
clock 23 October 2026 • 4 min read
Nest surpasses £2bn in commitments to HarbourVest PE strategy

Nest surpasses £2bn in commitments to HarbourVest PE strategy

Milestone comes as IFM Investors agrees to buy majority stake in ABP

Jonathan Stapleton
clock 21 October 2026 • 3 min read
Trustpilot