A defined contribution pension plan designed to benefit you and your employees 

We offer defined contribution (DC) pension plans and retirement solutions, 包括全球许多国家的外包首席投资官(OCIO)服务. We can help you design, 计划和管理定制的DC计划或实施完全外包的解决方案，旨在帮助您实现业务目标，同时满足员工的退休需求.

Implementing a defined contribution pension strategy 

固定缴款(DC)计划旨在将公司暴露在养老金风险中的风险降到最低, 传统固定收益(DB)计划固有的长期财务不确定性和波动性. 然而，DC计划可能是复杂和繁重的，并带来新的风险和责任. As well as investments, employers need to consider governance, risk, member engagement and retirement readiness.

构建最佳战略从设计和实施开始，然后涉及管理或外包计划的交付，使组织目标与劳动力人口统计数据保持一致. To maximise the return on your time, effort and contributions made to the plan, it's important for employers to optimise retirement outcomes for employees. 有吸引力的工具可以帮助员工根据投资策略的变化为自己的退休结果建模, retirement age and contribution rates.

Investment responsibilities of defined contribution pension plan providers

我们可以帮助您找到一个最佳的养老金工具和投资结构，要么由您的内部团队管理，要么将某些要素外包给第三方专家. 我们也可以推荐我们认为能为员工提供合适选择的产品, while staying aligned to company objectives.

随着员工达到不同的人生里程碑，他们对投资策略的选择可能会发生变化. 我们可以帮助您建立DC投资结构，提供灵活的资产配置选择，并在成员工作生涯的各个阶段平衡风险和预期回报.

我们可以利用我们广泛的全球行业研究，为您提供量身定制的投资经理和基金选择建议，以支持您所选择的策略. 我们还就新兴市场趋势和机遇以及新产品创新提供建议.

We can help you offer employees an optimised investment strategy, finding the appropriate mix of expected return, risk and diversification. We benchmark manager performance and fees, enabling you to identify any areas where changes could improve outcomes for employees.

我们可以帮助您制定一个财务健康计划，让员工参与其中，并帮助他们在财务98858威尼斯70570的每个阶段实现目标.

We can help you monitor your DC plans to ensure you stay on top of take-up rates, contribution levels, investment choices, investment manager performance and any other provider performance. We can also help you with compliance tasks. 

Building an optimal defined contribution strategy

  • Do you have access to robust investment research?
    We continually investigate, test and monitor investment managers and products, around the world, to provide you with the most up-to-date information and ideas.
  • Have you sought advice from an investment professional?
    无论你是想简化你的计划，还是想确定正确的投资策略, 我们可以提供合理的建议和指导，帮助您优化为员工提供的服务，并在全球供应商格局中导航.
  • Have you considered third-party solutions?
    我们可以帮助您减少与运行您自己的自我管理计划相关的管理和遵从性负担, 这可能涉及到将管理计划的元素转移到为您的组织量身定制的第三方打包解决方案中, and employees.

Mercer CFA Institute Global Pension Index 2022

我们以全球44个退休收入体系为基准，突出其优势和劣势.
Download this report

Defined contribution pension plan solutions

我们可以根据您的业务需求，为您的员工提供灵活的投资机会，并为您提供定制的固定缴款(DC)计划. We can also support you with all aspects of DC pension provision, from investment to administration, enabling you to focus resources on your core business. Some solutions differ from region to region. Contact us to find out what is available where you are.

  • Master Trust 

    We offer master trust solutions in Australia, the UK, 与阿联酋的Equiom fiducary Services (Middle East) Limited合作，提供投资咨询和解决方案;与南非的Alexander Forbes合作，提供投资解决方案.

  • Mercer Wise 401(k) 

    A fully outsourced retirement plan solution that seeks to reduce the complexities, costs and fiduciary risk associated with managing a defined contribution plan. 美世作为指定受托人，负责该计划的运营和投资. We offer the 401(k) in the United States.

  • Mercer Wise PEP

    A pooled employer plan that seeks to lower plan costs, improve access to innovative investment management, and transfer administrative and fiduciary burdens to a third party. 我们可以帮助您评估潜在的优点和缺点，并确定最适合您的车辆. We offer Mercer Wise PEP in the United States. 

How outsourcing your commitments could help you
achieve your goals 

越来越多的雇主选择与专业投资提供商合作，帮助他们管理固定缴款(DC)养老金承诺. While this approach has many names around the world – outsourced CIO, OCIO, delegated solutions, 信托管理-目的是一样的:提供解决方案，使计划提供者能够更有效地实现他们的目标.

Through an outsourced model, employers and other providers maintain control over the critical decisions, such as strategy, plan design and asset allocation, leaving the technical and tactical tasks, including investment manager selection and monitoring, due diligence and oversight, to a third-party specialist like Mercer. 我们提供一系列外包养老金和退休解决方案，以满足全球客户的需求. Contact us to find out more.

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