A suitable pension for each employee is a requirement for automatic enrolment compliance. In reality this can mean different solutions from different providers with different ‘middleware’ for different employees within each company.

 

Working with advisers during the development of our automatic enrolment proposition identified this issue at the early stages and enabled us to fully develop a hybrid solution that runs from just one interface.

 

Default Portfolio

 

Intelligent Money offers the IM Default Portfolio for all automatic enrolment contributions. This portfolio has been designed to target an average annual return of CPI+4% (net).

 

IM Optimum Portfolios

 

Our Qualifying Workplace Pension Scheme (QWPS) also gives full access to our IM Optimum Portfolios. These are considerably more sophisticated investment portfolios that manage risk internally down different glidepaths depending upon the requirement at retirement (a lump sum to withdraw, a lump sum producing income, or a mixture of the two). These portfolios also accept pension transfers and can facilitate adviser charging. Please look through our Investment Management section for further information.

 

Commercial Property

 

In addition to accessing our IM Optimum Portfolios, our QWPS offers bespoke SIPP functionality to enable business owners to purchase commercial property within their SIPPs.

 

Flexible Drawdown

 

Unlike most QWPS providers, Intelligent Money offers all scheme members the SIPP functionality of Flexible Drawdown under the new pension freedoms.

 

 

Please contact us for further information or to arrange a meeting.