Cartwright Stepping Stones

Investment Services:Identifying the right strategy

Cartwright investment advice is taillored to fit your exact criteria, with solutions that are both sophisticated and practical without being overcomplicated or overpriced.

Specialising in small to medium sized defined benefit and hybrid UK pension schemes, Cartwright understands that the options available continually change and evolve and are fundamentally different to those for other schemes. Our approach is to listen carefully to what you want to achieve and then provide you with clear and justified recommendations.

Cartwright provides all the investment services you will ever need but our tailored, flexible approach means you only use them when you need them, including but not limited to:

  • Investment strategy
  • Transition management
  • Bulk annuity transactions
  • Innovative investment ideas
  • Asset liability modelling
  • Risk analysis
  • Trustee training

Working with strategic partners, who are experts in their own field and demonstrate a similar positive and proactive mindset, means clients benefit from collective expertise and value for money.

With a clear focus on continuous improvement, one of our core principles, Cartwright take great pride in understanding each client's needs to build long term relationships in order to make a real difference.

Why does my scheme need a strategic framework?

Before we list the upsides, it is important to be aware of the downsides.

It takes time and effort upfront to decide what you want to achieve and implement in terms of funding and investment, and often compromises need to be made between different objectives.

However, the upsides mean you will have a clear plan, open eyes on what could go wrong, and you will be ready and able to quickly take opportunities when they arise.

Recent opportunities Cartwright have advised on include: triggers locking in funding level improvements, buying equities at March 2020 lows, taking advantage of specific insurance opportunities (one reason why we are typically able to save clients 10% of the bulk annuity premium), and quickly selling an unattractive asset class or investment fund. Being ready for these opportunities adds huge value and means your scheme could achieve its objectives many years ahead of schedule.

Importantly, some opportunities require a joined-up approach across different teams; for example bulk annuity transactions also need insurer-ready member data. Our teams work closely with each other to successfully deliver for you.


"The input from Cartwright is always excellent, clear, pragmatic, and professionally delivered." Independent Trustee

Investment Services are provided by Cartwright Benefit Solutions Limited. Cartwright Benefit Solutions Limited is authorised and regulated by the Financial Conduct Authority. Registration number 607200.

Specialised Solutions

Get in touch

  • If you have any questions, or would like further information, please call our team on: 01252 894 883

  • Or send a quick email via our contact form.


Make an enquiry

To discuss your specific requirements with a member of our team, please start by sending us a brief message or, if your enquiry is more urgent, call our Head Office on 01252 894 883 and we will be put you in contact with the right person.

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Accredited by

Investor in Customers Quality Assurance Scheme Carbon Neutral Plus United Nations Principles for Responsible Investment Pensions Administration Standards Association