Workplace Pension Solution

What Auto-Enrolment Means For You


With business owners now being penalised for not having a workplace pension scheme in place, The Pensions Regulator (TPR) has been back on the road to ensure employers are complying with their pension obligations, in that qualifying staff are being given the workplace pension they are entitled to. Confusion between employers and advisers in relation to auto-enrolment is no excuse.

 

How We Can Help You


TAM has partnered with key pension trustees and dedicated auto-enrolment administrators to help employers navigate workplace pensions, by providing you with a complete investment solution that can be implemented in a few simple steps. These solutions will give you access to TAM’s professional investment management across a spectrum of three portfolios encompassing mainstream, ESG or Sharia investments options.

 

The Portfolios And Performance


Our workplace pensions clients benefit from full portfolio transparency, in-depth delivery and reporting no matter what size the investment. Our mainstream and ESG workplace pension clients also benefit from portfolios with a proven 5 year track record that have outperformed their benchmarks by over 24% since inception.




This default mainstream balanced portfolio comprises of investment vehicles including unit trusts, mutual funds and exchange traded funds (ETFs), whose managers aim to outperform their respective markets. Asset classes you could find in this portfolio are government bonds, corporate bonds, alternatives and cash. Absolute return, property and commodities may all feature within the alternatives classification. Mainstream Balanced seeks to generate capital growth over the medium to longer term, with the aim of riding out short term fluctuations in value. The portfolio will have a balanced approach to equity exposure, typically comprising of 50% equity and 50% non-equity, though weightings may deviate within set parameters, allowing managers to react to market conditions.




This optional ESG balanced portfolio comprises of socially responsible investment vehicles including unit trusts, mutual funds and exchange traded funds (ETFs), whose managers aim to outperform their respective markets. Asset classes you could find in this portfolio are government bonds, corporate bonds, alternatives and cash. Absolute return, property and commodities may all feature within the alternatives classification. ESG Balanced seeks to generate capital growth over the medium to longer term, with the aim of riding out short term fluctuations in value. The portfolio has a balanced approach to equity exposure, typically comprising of 50% equity and 50% non-equity, though weightings may deviate within set parameters, allowing managers to react to market conditions.




This optional Sharia Balanced portfolio comprises of Sharia-compliant investment vehicles including unit trusts, mutual funds and exchange traded funds (ETFs), whose managers aim to outperform their respective markets. Asset classes you could find in this portfolio are; Sharia equities, sukuk bonds, alternatives such as physical gold, and non-interest-bearing cash deposits. Sharia Balanced seeks to generate capital growth over the medium to longer term, with the aim of riding out short-term fluctuations in value. The portfolio has a balanced approach to equity exposure, typically comprising of 50% equity and 50% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.



 

Your Next Steps

With more than 6.7 million employees now in a workplace pension, the scheme is being hailed as a huge success. So if you are looking for an enhanced, transparent solution for your business, then TAM can help. By working with our key partners, you gain access to TAM’s expert investment management and online delivery that’s fully transparent and straightforward. We can help you stay compliant with TPR while securing a clearer future for your employees, so get in touch today to discuss your own auto-enrolment solution and if you want to avoid those hefty fines, don't leave it too late.

Downloads

Workplace Pensions Brochure

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