Financial, economic, and demographic developments already cause great uncertainty in pensions and this is only further aggravated by changes in regulations. A solid pension used to be one of the few certainties that people who worked their entire life could count on. Unfortunately, this is increasingly becoming no longer the case. Security comes at a price and when that price is steep, the willingness and ability to pay for full security gradually erodes. At that point it is time to rebalance priorities.

Finding the right balance between the interests of the various stakeholders, employers, young and old employees, retirees, and others, is central to good pension risk management. While they naturally share a mutual goal, their differing interests can clash. Together they have to determine their attitudes to risk and distribute risk accordingly. This instantly reveals the degree to which mutual solidarity exists.

Balance is called for in other areas as well, between return and risk, long and short term, and costs versus expected performance, for example in the case of active management.  Ortec Finance can offer an integral and pragmatic set of client-specific solutions to all these issues.

Ortec Finance has been serving the pensions world globally for over three decades and focuses on the unique interaction between applied scientific research, licensing software models for pension funds and advisory services. Our success demonstrates we have found the right balance between innovation, operational quality, and client servicing. We would be happy to discuss the specific challenges your pension fund is facing.