Tag Archives: CDC

CDC vs Individual DC: Why there is no time to waste in embracing CDC

Posted on May 24, 2026 by henry tapper

A quantitative assessment of the case for Collective Defined Contribution pensions Christos A. Christou  |  PMI Professional Trustee  |  April 2026 Executive Summary This paper examines CDC and compares it to DC. It argues that CDC may be materially better … Continue reading →

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“If we get it right, people will feel good and do nothing” ; Quietroom’s Joe Craig on a CDC wage for life.

Posted on May 23, 2026 by henry tapper

Nice one Joe Craig ; it’s good to hear an expert communicator speaking about the position of ordinary people   It’s  what Terry Pullinger did with 120,000 postal workers. Terry explained to me that what people want to know is … Continue reading →

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Will I ever understand bonds?

Posted on May 23, 2026 by henry tapper

The FT comment suggests that gilt rates are a political commentary from the financial markets. I learn at the start of this long weekend that we could be less likely for increases in rate rises because a man who is … Continue reading →

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Can the private sector afford to pay inflation linked pensions?

Posted on May 22, 2026 by henry tapper

Of course we do pay inflation linked pensions though corporate and personal taxes, we pay for the public servants to get full CPI linkage so their wage in retirement will go up with inflation without a cap, some still get … Continue reading →

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Can CDC be a step to fairer pensions for women?

Posted on May 19, 2026 by henry tapper

CDC – a step to fairer gender pensions. There are three ways for CDC to improve value for women’s money The attitude of employers, providers and government must change to put women on an equal footing to their male counterparts … Continue reading →

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WTW – remember it’s the employer who chooses the pension offered to its staff

Posted on May 18, 2026 by henry tapper

Willis Towers Watson (WTW) have done some work presenting their thoughts on “decumulation”. This is known on this blog as “turning to pensions”. Thanks to Simon Ellis, whose work as Chair of Lifesight, the WTW DC mastertrust is important. This … Continue reading →

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Will insurer’s share prices recover- now gilt yields make buy-out easier?

Posted on May 17, 2026 by henry tapper

I’m not sure I agree with Gordon Aitken here. Insurers may be more competitive with bulk annuity purchases but will DB pension schemes want to sell up, now they find themselves even more in surplus? Business Conditions are not always … Continue reading →

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The American way of turning pots to pensions – from the firm rumoured to be buying L&G

Posted on May 17, 2026 by henry tapper

It doesn’t give me much comfort to read this “partnership content” – eg an advert, in the FT from Prudential Finance. I include the article below as an example of the American way of turning pots to guaranteed income. It … Continue reading →

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The Dutch system – a better benchmark for UK pensions than Australia?

Posted on May 16, 2026 by henry tapper

The latest podcast from Nico and Darren is about the Dutch system which Nico reckons a better comparator with the British pension system than Australia – I agree and this session tells us why. In this episode of V-FM Pensions … Continue reading →

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How will pensions be affected by the local elections?

Posted on May 11, 2026 by henry tapper

Local politics and LGPS I don’t think we have had time to think of the impact of new councils on old pensions but I’d expect this event to be interesting I won’t be going this year, my media pass has … Continue reading →

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