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Self-managed buy-in solutions

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What is the next stage in the evolution of your investment strategy towards your de-risking endgame?

Evolving your de-risking strategy to include longevity hedges, transitioning assets to be more cashflow aware and increasing the focus on a more diverse range of high-quality credit assets as funding levels improve can help you to reach your endgame with more certainty. We call this a self-managed buy-in (SMBI).

A self-managed buy-in: an efficient path to your endgame

While an insurance buy-in may be perceived to be beneficial, it can increase the target returns required from the remaining ‘free’ assets, make liability hedging more challenging and/or increase the expected timeframe for achieving a buy-out.

A SMBI approach may provide greater value for money than a conventional insurance buy-in, with similar characteristics but at a lower cost, and help to provide greater flexibility to deal with unexpected events which cannot be hedged.

Related materials:

An SMBI overview: What is a self-managed buy-in and how can it help reach your endgame with more certainty?
An objective assessment of the impact of a buy-in: Make a more informed de-risking choice by considering a wider range of factors. Hamish Watson, UK HR Director at ScottishPower, also describes their de-risking journey.
Comparing buy-outs and buy-ins: Buy-outs and buy-ins differ fundamentally in three ways: their purpose, practicalities and potential investment impact. Consequently, the analysis you should conduct when considering them needs to be different.
Buy-in pricing not such a bargin: Market turmoil in early 2020 led to claims buy-in pricing was at the most attractive levels ever – but on a relative basis, buy-ins became much more expensive compared with a solution where a scheme invests directly in credit.

Helping you make a more informed de-risking decision

There is no single de-risking solution that is right for all schemes. We provide two short videos from Insight experts to help you consider the impact of a buy-in.

Financial solutions in numbers

2004 Insight launched its financial solutions capability

£687.0^bn in assets managed by our fixed income and financial solutions groups

£138.5^bn assets managed for cashflow-aware clients

As at 30 June 2020. Assets under management (AUM) are represented by the value of cash securities and other economic exposure managed for clients. Assets managed by our fixed income and financial solutions groups include clients who have liability driven investment, fixed income and cashflow-aware strategies.

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Important information

The value of investments and any income from them will fluctuate and is not guaranteed (this may be partly due to exchange rate fluctuations). Investors may not get back the full amount invested. Past performance is not a guide to future performance.

Derivatives may be used to generate returns as well as to reduce costs and/or the overall risk of the portfolio. Using derivatives can involve a higher level of risk. A small movement in the price of an underlying investment may result in a disproportionately large movement in the price of the derivative investment.

Investments in bonds are affected by interest rates and inflation trends which may affect the value of the portfolio.

The investment manager may invest in instruments which can be difficult to sell when markets are stressed.

Where leverage is used through the use of swaps and other derivative instruments, this can increase the overall volatility. Any event that adversely affects the value of an investment would be magnified if leverage is employed by the portfolio and losses would be greater than if leverage were not employed.

A credit default swap (CDS) provides a measure of protection against defaults of debt issuers but there is no assurance their use will be effective or will have the desired result.