Tag Archives: CDC

Inheritance tax and Death in Service Benefits

Posted on March 21, 2026 by henry tapper

I tend to trust material coming from First Actuarial. It is simple and clear. It’s good to see a note on social media on a topic that created uncertainty for millions of workers whose dependents will get a lump sum … Continue reading →

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Should we have to turn pots into a pension? Sharp minds struggle with Bill Sharpe’s problem!

Posted on March 21, 2026 by henry tapper

For the past 10 years I have struggled with a pension pot that I cannot turn into a pension . I do not want an annuity, it is not a good deal. I spent two years working with Pension Superfund … Continue reading →

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“Well said Maggie!” An elderly trustee chair speaks out for Maggie Rodger, the AMNT and independence

Posted on March 20, 2026 by henry tapper

PensionsOldie has spoken out in a comment to my blog on trustees being for members not just compliance The reference to Maggie’s Farm does not refer to Maggie Rodger but to the rubbish workplace that Bob Dylan imagines himself in … Continue reading →

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I hope professional trustees will come to CDC independently

Posted on March 19, 2026 by henry tapper

I was surprised to see  a firm of professional trustees promoting itself with  WTW , who are consultants but also providers of DC services through LifeSight . I have heard WTW present CDC as an extension of Lifesight , with … Continue reading →

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Trustees are for members , not just compliance

Posted on March 19, 2026 by henry tapper

Maggie Roger has written a sensible article that explains why member nominated trustees are essential to good governance. Increasingly we are seeing professional trustees taking not just the lead role but the only role as trustees. The view that schemes … Continue reading →

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We have become too prudent with our long term money

Posted on March 18, 2026 by henry tapper

This is the problem we have. We are a nation that has de-risked and see that as prudent.  I do not want to criticise “individuals”, they have good advocates in Martin Lewis and others, and are right to be … Continue reading →

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“Tapper launches mutual CDC provider” – Corporate Adviser

Posted on March 17, 2026 by henry tapper

Published by John Greenwood March 16, 2026  Original on this link A new multi-employer collective DC (CDC) provider has been established by Henry Tapper, chair of AgeWage and head of Pension PlayPen, and Goddard Perry Actuarial senior actuarial consultant Chris Bunford. … Continue reading →

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A CDC pension starting afresh

Posted on March 17, 2026 by henry tapper

In a recent podcast LCP’s Sam Cobley asks the question: “How many whole-of-life CDC pensions will we get this year?” No one will know that until early 2027. The Pensions Regulator authorises the first unconnected multi-employer CDC schemes and we have not yet … Continue reading →

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Why does CDC pensions make sense for the whole of our lives?

Posted on March 16, 2026 by henry tapper

We save for many things in our twenties. We save for a deposit on a house or to get married and have a family. We may have to start paying off student debt and big rent and council tax payments, … Continue reading →

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Can we AFFORD the flexibility of drawdown and the certainty of an insured annuity?

Posted on March 16, 2026 by henry tapper

  Not everyone can afford the flexibility of drawdown or a costly annuity.  CDC is a better way for ordinary people to get “deferred pay”. We want to make retirement affordable for many more of us. The freedom we were … Continue reading →

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