Building Sustainable Pension Systems in the Caribbean

For too long, pension and investment decisions have been framed primarily in technical and financial terms, while the lived experience of scheme members has been treated as secondary. Yet the true measure of actuarial and trustee/sponsor success lies in outcomes delivered for members - adequacy, security, fairness and trust. This presentation draws on our experience across investment and pensions consulting, fiduciary management and asset management to explore how member perspectives can be systematically embedded into decision-making. Themes will include: balancing affordability for sponsors with retirement adequacy for members; communicating complex trade-offs in accessible ways; and aligning actuarial analysis with what matters most to members’ financial well-being. Practical examples will be shared on how boards and advisers can move beyond compliance and risk metrics to deliver outcomes that are meaningful, measurable and sustainable.