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Retirement Funds Solution 360°

A whole-of-fund approach that integrates product, advice, engagement and governance, helping trustees meet their obligations with clarity, and enabling more members to retire with confidence.

Design, deliver and govern better super outcomes

Super funds, trustees and advice teams face a familiar challenge: member retirement needs are diverse, complex and evolve over time. Yet most default settings and single product pathways aren’t designed to adapt to every situation.

Retirement Funds Solution 360° is WTW’s integrated consulting approach that aligns your enterprise — strategy, product, engagement, operations and advice — to deliver super outcomes that members value while staying squarely within regulatory expectations.

What Retirement Funds Solution 360° delivers

Our integrated approach to Super success.

Comprehensive superannuation services including governance and fund principles, member outcome analysis, retirement choice guidance, engagement and education strategies, product design from pensions to lifetime income, and ongoing monitoring and compliance.

WTW’s six-stage approach to transforming superannuation — from defining beliefs and member needs to creating products and measuring impact.

  1. 01

    Retirement beliefs and governance

    Define the fund’s guiding beliefs and the governance model that enables joined up accountability across investment, operations, technology, servicing and advice.

  2. 02

    Membership outcome objectives

    Quantify what matters to your cohorts (income for life, income for living, income stability, access to capital, rainy day/bequest, wealth stability, age pension optimisation).

  3. 03

    Retirement choice architecture

    Decide how members will navigate options (single vs multi product, target markets, soft defaults/hard defaults, and suitability over time).

  4. 04

    Holistic engagement strategy

    Design journeys that educate, guide and advise across contribution, investment choice, insurance and retirement product decisions (self-service, hybrid and comprehensive).

  5. 05

    Product design and build

    Create and implement solutions across the spectrum — from account-based pension (ABP) and managed drawdowns to lifetime income and pooled longevity constructs — covering features, pricing, solvency and admin readiness.

  6. 06

    Monitoring and compliance

    Stand up metrics, triggers and reviews (Annual Outcomes Assessments, Retirement Income Strategy (RIS) triennials, Best Financial Interests Duty (BFID), disclosure reviews) to evidence performance and member benefit.

Service Pillars

  • Member Outcomes

    Retirement Readiness and Outcomes Assessments, cohort analytics, preference research and investment option design to align strategy with member value.

  • Product Design

    Account Based Pension (ABP) and lifetime income design, feature reviews, target markets, and pricing/solvency frameworks—plus implementation support.

  • Guidance & Advice

    Education, calculators, digital/hybrid advice and advice practice reviews to ensure members can act with confidence.

  • Compliance & Governance

    CRO/CIO support, RIS reviews, BFID and monitoring frameworks that keep you aligned with regulator expectations.

Outcomes you can expect

  • From ‘result’ to results. Retirement score: Measure how strategies stack up across income, stability, access to capital, bequest and age pension outcomes — all tailored to member preferences.
  • Choice architecture done right: Nudge better decisions around drawdown rates, indexation and investment options while preserving control and meeting target market determination (TMD) requirements.
  • Products that fit members, not the other way around: Design across ABP, pooled longevity and lifetime income constructs with pricing/solvency built in.
  • Engagement that moves the needle: Embed education, calculators, self-service and adviser support into contribution, investment and insurance pathways.
  • Evidence, oversight and rhythm: Establish KPIs, triggers and structured reviews (annual and triennial) to demonstrate member benefit and governance.

FAQs

Retirement Funds Solution 360° connects member outcome objectives to your RIS through explicit KPIs, monitoring and triennial reviews, supported by evidence from Annual Outcomes Assessments and BFID practices.

Not necessarily. Retirement Funds Solution 360° helps you decide whether a single product or a suite makes sense for your cohorts, and how soft defaults can simplify decisions without compromising suitability.
Yes. We support feature design, pricing assumptions, solvency management plans, ongoing monitoring, and member/adviser tooling for modelling outcomes.
We design journeys that integrate interactive estimates, calculators, targeted education, self-service advice and adviser support to ensure members can learn, act and confirm decisions.

Disclaimer

Information on this page is general in nature and does not take account of your objectives, financial situation or needs. Consider whether it is appropriate for you and read relevant disclosures before making any decision.

Solution
Retirement
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