Alliance Pension Fund Report 2022

ALLIANCE PENSION FUND
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Executive summary
This report tells us about the investment schemes that can happen with the fund of the
pensions of the individual. The amount that is taken as a pension fund to provide the
individual at the time of retirement is an investment in the stocks and mutual funds. This will
help to increase the amount of the pension fund and the economy of the country. There are
different types of funds in the stock market. The risky stocks give a higher return, but the risk
involved in these shares is high. Risk-free returns are something in which return is less, but
the risk is not there. This report gives a brief discussion about the stocks, funds and
investment with the pension plan funds.
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Table of Contents
Introduction................................................................................................................................4
Background of study..................................................................................................................4
Problems and statement..............................................................................................................6
Findings and analysis.................................................................................................................7
Conclusion................................................................................................................................10
Reference list............................................................................................................................11
Appendices...............................................................................................................................13
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Introduction
The pension plans help the employees to get an income after their retirement. This helps to
earn their living. The company with whom the person is working gives this benefit to their
employees. It has assets of 200 million pound. The pensioner has absorbed 10 million pound
income in the current year and rise will happen of 8%, which will make the amount to 20
million pounds. The trustees of the fund consult the actuary who looks after the day to day
facilities of the fund. The pension plan is the hope for the people as they will get an amount
after their retirement, and that will help them to live a better life. This is the responsibility
that is shared by both employer and the employee for many any decision like investment
decisions. The amount of the pension is deducted from the employee’s salary. They are ready
to take less amount of salary so that they get benefit at the time of requirement. In a study, it
is seen that in the US the 50% of employees are saving money for their retirement between
the age group of 20 to 29 years. It is essential to train employees about the benefits of the
pension plan to give knowledge about its benefits that are provided to the employees and the
company to restore its financial resources.
Background of study
● Mutual assurance company
The fund is managed by this company to pursue a “contra-cyclical policy” which
includes a large part of the pension fund. It helps the company at the time of market
fall and is allowed to deposit in the “variable rate deposit account”. They take the
help of the actuary to understand the investment policy that they want to hold. They
are invited to the parade, which helps them to increase their moderate turnover.
● Global investment managers
This is a conservative policy which concentrates on value. The decisions are taken by
the company’s group of members who have high proposed degrees. This can offer
"low management charges," i.e. 0.1% and "low turnover," i.e. 10% per year.
Investment is made in the areas the managers are aware of, i.e. the US, UK and Japan
(Enoch et al. 2017). These managers have full knowledge of the market and its
approach. They help in development and growth by investing in the right hands.
● Index funds the UK
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