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).


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


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


River FOURcast: January 2020

River FOURcast: January 2020

2019 turned out to be a fruitful year for equities with the S&P500 achieving record highs and delivering more than a 28% return for the year. However, 2019 returns were boosted by a low starting point at the beginning of the year following the 2018 “Christmas Crunch”.

Retirement Update – January 2020

Retirement Update – January 2020

With discount rates up slightly and equities posting another strong month, December was a pleasant end to a turbulent 2019 for pension sponsors. Most plans will have seen modest improvements in funded status in December, with both discount rates and equity investments providing light tailwinds. But the full year tells a different story; while the financial headlines were all about the strong stock market in 2019, the decline in discount rates was just as significant; many plan sponsors will find they barely made up any ground in 2019, despite strong equity returns.

River FOURcast: December 2019

River FOURcast: December 2019

We believe we are in the Stable phase of the market; we saw reduced equity volatility in November compared to the past few months, but the lower liquidity around the Christmas period could lead to a return of some volatility.