Allows business owners and key employees to group pension assets for greater investment flexibility. Pooled investments from a wide range of assets for greater investment flexibility. Loan to the sponsoring employer (subject to certain conditions). Opportunity for Members to retain business assets through generations. Provides flexibility in relation to the investment of scheme funds and the provision of benefits to members and their beneficiaries A flexible fee structure through fixed and time-costed fees – you only pay for the services you use; we do not charge based on a percentage of funds invested.