This is a telling post . It chimes with much that I have written. Retirement CDC is a good patch to a broken model. Why wait for what you can get better today?

A note on players mentioned in this excellent note.

Collective Pensions (CDC) is being built today by more than TPT.

There are challengers on the way. They  including Pensions Mutual. I say that with  some authority – I am one of two founders .  I  lead the  Proprietor and Stella Eastwood is CEO of the scheme.

A hat needs also to be tipped by another challenger, Arboreum (Collective Pensions) run by Adrian Boulding and Ben Fowler.

I say this as we do not occupy an abstract space as thinkers and commentators – we put our time and money where our conviction is ;-  to create an UMES CDC as a Collective Pension. To create an alternative to a DC workplace pension.