River and Mercantile Solutions is a leading institutional investment and actuarial advisor and fiduciary manager. We are dedicated to providing our clients with the understanding and tools to successfully meet the investment goals of their institution. River and Mercantile Solutions is a division of River and Mercantile Group PLC, which is publicly traded on the London Stock Exchange (Ticker: RIV).

Actuarial Solutions

Pension Risk Transfer

Strategically transferring risk from a pension plan can help save plan sponsors significant administrative costs. Our robust process has helped numerous companies analyze and implement a strategy that makes sense for them. As a co-fiduciary and consultant, our annuity placement services are unparalleled in the marketplace.

Actuarial Consulting

Our services are more than just numbers and contribution schedules. We take the time to help plan sponsors define successful outcomes for their pension plans and craft the game plan for achieving them. We provide comprehensive valuation, regulatory, and compliance services.

Plan Termination Services

Plan termination is the culmination of the life of a pension plan with the ultimate event of paying out benefits to your participants. Before you can get to that final payout, however, there are three key stages plan sponsors go through; preparation, implementation, and distribution.

Investment Solutions

Derivatives

Equity volatility in pension plans can be detrimental to a plan sponsor. Through River & Mercantile Derivatives, companies can effectively manage their equity risk in a thoughtful and meaningful way.

Fiduciary Management

Delegated fiduciary responsibility for managing investment decisions and implementation allows investors to focus on strategic decisions and leave the day-to-day tactical decisions to us.

Defined Contribution Solutions

Effectively monitoring funds, fees, and service providers increases the likelihood that participants have a positive experience saving for retirement. Ensuring good governance also protects plan fiduciaries and helps everyone to sleep well at night.

Investment Solutions

Specialist advice coupled with investment services, River and Mercantile Solutions provides institutional investors a premium investment and governance solution. We work with investors to develop robust investment risk strategies taking into account assets and liabilities

News

River FOURcast: February 2020

River FOURcast: February 2020

We believe we are still in the Stable phase of the market, although recognize that short term volatility is likely to occur after such a strong run in markets.

Retirement Update – February 2020

Retirement Update – February 2020

To kick-off 2020, pension plans witnessed discount rates reversing course and falling further to all-time lows. Volatility returned to equity markets after months of relative calm. International equities were down for the month over concerns of the coronavirus impacting the global economy. Plans heavily interest rate hedged should see a stable funded status but many more plans will see a decline in funded status of a few percentage points. The good news is that markets have already started to rebound thus far in February.

The Past Decade in 2020 Hindsight: Pension Investing

The Past Decade in 2020 Hindsight: Pension Investing

In 2019 plan sponsors witnessed a familiar, albeit more extreme, combination of returns that has also been the theme of the entire previous decade.  Equities rallied, long term interest rates fell, and funding levels didn’t increase to levels that plan sponsors expected for a typical pension plan.   However, some sponsors utilized equity derivatives to make the investment portfolio work harder while managing risks more efficiently, and consequently saw their plans’ funded ratios materially increase over the same time period.