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Manage complex risks using data-driven insights, advanced approaches, and deep industry experience.
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Data-driven insight. Deep expertise. Transformative innovation. Since 1947, Milliman has delivered intelligent solutions to improve health and financial security.
Asset/Liability Modeling & LDI
Plan sponsors have plenty to worry about these days. Many pension plans are facing funding gaps and higher resulting contribution requirements. In the corporate sector, low interest rates and new pension funding requirements have made managing volatility more important than ever. ALM and LDI provide the tools to manage pension funding volatility.
Because pension obligations typically reach far into the future, their values are highly sensitive to changes in discount rates. Plan sponsors now understand that they need to adjust how they manage their pension investments, or else they risk pension volatility becoming a burden on their cash flow or financial statements.
An asset-liability study can benefit a pension plan in the following ways:
Through a comprehensive risk-budgeting analysis, we also can address asset allocation (beta) and portfolio structure (alpha) risk/return together to develop more financially efficient portfolios than might otherwise be attained if they were addressed separately.
Ask the tough questions. We’re ready for them.