Because employee savings schemes (ESSs) are pooled investment accounts, with contributions from employees and employers, they can help attract talent and encourage long-term employment. Contributions tend to be invested in liquid investments, such as treasury bonds or bank deposits. Leading practice for schemes with significant investments is to appoint external investment managers who may invest in alternate investment products – yielding higher returns but at a higher risk. Our Keypoint Trust team has developed a brief overview of ESSs – and the advantages of establishing them as trusts. For more details, please contact Nandakumar Narasimhan.