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Men in Suits




At FMCT, we understand the importance of preparing for retirement. Pensions are an excellent way to save for the future, and we can help you get started. A pension is a long-term savings plan that allows you to pay into it regularly, usually from your salary, and receive a regular income when you retire. We can help you understand the different types of pensions and how to best use them to reach your retirement goals. We can also provide advice on how to invest your pension fund for maximum return. We can help you plan your retirement, review your existing pension arrangements, or provide advice on how to manage your pension savings. Our team of experts can provide advice on the various types of pensions available, as well as the current tax environment and how to make the most of your pension savings. We are committed to helping you secure a comfortable retirement.


FMCT provides comprehensive consulting services and training on all aspects of pensions. Our team of experts can provide advice on the different types of pensions available, such as defined benefit (DB) pensions, defined contribution (DC) pensions, and hybrid pensions. DB pensions are typically based on an employee's salary and length of service, while DC pensions are based on contributions made by both the employee and employer. Hybrid pensions are a combination of the two, providing members with some of the benefits of both DB and DC pensions. FMCT can help you determine the best pension option for your needs. It's important to note that the availability and structure of pension plans can vary depending on the country and the specific regulations in place. The main types of pensions are:


FMCT offers consulting and training services to help clients comply with pension regulations. We review plan documents, analyse data, and provide guidance on plan design, investments, and fiduciary risk management. Our experts ensure clients' plans are compliant and help maximise their value. We keep clients updated on changes in pension regulations to maintain compliance.

A pension is a retirement plan that ensures individuals receive regular income during their retirement years, replacing a portion of their working income. Pensions can be offered by employers, governments, or individuals through private arrangements.

The main types of pensions are:

  1. Defined Benefit Pension: This guarantees a specific retirement income based on factors like years of service and salary history. Funding and management responsibilities lie with the employer or pension provider, such as traditional company pensions and government employee pensions.

  2. Defined Contribution Pension: Contributions made by employees and/or employers are invested on the individual's behalf. The eventual pension benefit depends on investment performance and contributions over time. Examples include 401(k) plans in the US, RRSPs in Canada, and SIPPs in the UK.

  3. State Pensions: Governments provide state pensions based on individuals' contributions to social security systems. Eligibility criteria and benefit amounts vary by country, such as Social Security in the US and the Basic State Pension in the UK.


Pension functioning and regulations differ by country and scheme, but common elements exist. It's crucial for individuals to understand their country's pension rules and consult financial advisors or pension experts for personalized guidance. Key aspects of pensions include:


FMCT offers comprehensive fund management services to maximize investment returns. Our experienced team develops personalised portfolios tailored to individual needs. We provide ongoing monitoring, analysis, and risk management advice to ensure secure and effective management. Trust FMCT with your funds.

Regulations cover licensing, registration, disclosure, governance, risk management, and investment restrictions. They safeguard investor interests and promote market integrity. Fund management involves portfolio development, monitoring, risk management, compliance, and performance evaluation.

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