Tag Archives: CDC

Is the curse of complexity upon us?

Posted on June 3, 2026 by henry tapper

My immediate reaction to this headline was “if members have complex demands” they shouldn’t be in a CDC pension scheme, they shouldn’t be in a pension scheme full stop. If people have a need to flip-flop between income drawdown and … Continue reading →

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Major news from Nest which points to a pensions success.

Posted on June 2, 2026 by henry tapper

It is easy to poke fun at consolidation and the establishment of megafunds. It is not easy to create a pension fund that invests nearly a quarter of its assets as Nest does in Britain, in its infrastructure and production. … Continue reading →

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Gen Z say they want to be sold pension not products

Posted on June 2, 2026 by henry tapper

Well – I can confirm that Gen Z is being mis-sold a pension at the end of their rainbow. Over a third of young people believe the pensions industry and the wider financial services sector do not adequately communicate the … Continue reading →

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When employers abandon pensions – what happens to deferred pay?

Posted on June 2, 2026 by henry tapper

Only 790 employers pay into their own DC workplace pension. What role do employers have in their staff’s pensions? They are responsible to paying over contributions , enrolling and re-enrolling staff and choosing a workplace pension. But nowadays the core … Continue reading →

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Pension Thunderbirds are go! Richard Smith counts down

Posted on May 31, 2026 by henry tapper

There are three things that will matter to people and their pensions in the first half of 2027 The arrival of the first multi-employer CDC plans  DC pots  default at retirement to lifetime retirement incomes Pension Dashboards what’s coming to … Continue reading →

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Employers can regain ownership of pensions with CDC

Posted on May 31, 2026 by henry tapper

Some time ago we came to the conclusion that employers no longer had the same ownership of their pension funds. Ownership has passed to insurers who bought out what they once thought their pension funds, it has passed to the … Continue reading →

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When earnings don’t keep up with inflation (like now) we’re getting poorer.

Posted on May 28, 2026 by henry tapper

According to the FT , we are about to enter our fourth period when  earnings don’t keep up with inflation since 2008.   For many people with school economics, we grew up with average earnings being against of real price … Continue reading →

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Forget future austerity where prices rise faster than earnings – even in pensions!

Posted on May 27, 2026 by henry tapper

According to the FT , we are about to enter our fourth period when  earnings don’t keep up with inflation since 2008. For many people with school economics, we grew up with average earnings being against of real price indexation … Continue reading →

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Webb says we need the triple lock because private pensions aren’t taking up the strain

Posted on May 26, 2026 by henry tapper

Steve Webb isn’t afraid to hold back and though he recognises that the triple-lock isn’t sustainable, he sees no alternative to continuing it right now for people who are ill-served by private pensions. In short, a decent state pension remains vital because … Continue reading →

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Wow, a CFO blown away by an analysis of CDC? We have a proper debate here!

Posted on May 25, 2026 by henry tapper

Wow!!!! This is the comment of Pension Oldie , known as an accountant , CFO and vintage Pension Trustee. He continues after admitting to have been blown away by Christos Christou’s work of genius Wow! I will need to re-read … Continue reading →

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