Study highlights
60% | 20% | 20% equity | alternatives | bonds
90% have a time horizon ≥5 yrs
20 Organisations 18 master trusts, 2 single employer Total assets $2.2T Median size $50B
60% believe they are required to operate to a shorter time horizon than would be ideal for members
60% describe their capital allocation as dynamic. TPA adoption expected to rise from 2.4 → 3.1 Income in retirement is one of the top concerns for DC professionals 50% of funds offer a soft default into a post- retirement income pathway 40% require members to make active choices
80% of effort on accumulation 60% tailor risk dynamically (lifecycle & target date) Most static defaults use a combination of strategic asset allocation, target return, and target risk. Climate change, inequality and geopolitics at the head of 10- year rise in systemic risk 67% have NZ pledge/commitment, with 83% expecting NZ achievement by 2050 71% have ambition to address decarbonisation 50% are signatories to a stewardship code
Over 42m DC members
Average age 43 | 80% pre-retirement Median 30-yr-old pot size $20k Median 60-yr-old pot size $115k
50% expect increased technology spend over the next 5 years
90% have regular contact with global peers and local peers
31% have active AI/ML pilots / projects 44% are in early exploration stages
80% are members of at least one stewardship-related collaborative initiative
A shift from 0% → 38% of organisations seeing AI/ML as a foundational part of their technology infrastructure in next 3 – 5 years
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