Buy-in or buy-out Made Simple

Buy-ins and buy-outs, collectively known as ‘bulk annuities’ or ‘bulk purchase annuities’ are pension de-risking strategies employed by trustees to manage and transfer some or all of the risks associated with providing final salary retirement benefits. This guide, sponsored by Heywood Pension Technologies, with contributions by Quietroom, explains how trustees should consider and prepare for de-risking, with tips for communicating with scheme members.