Tag Archives: CDC

AON why this DC/CDC hybrid mastertrust launched in 2028???

Posted on August 7, 2026 by henry tapper

I’m sure I’m not  the first to be  bewildered by Aon delaying the launch of their workplace CDC plan till 2028. May I express my exasperation? I had hoped we would make people’s life with CDC but here is a … Continue reading →

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As they approach guided retirement – for how much longer will master trusts de-risk?

Posted on August 6, 2026 by henry tapper

I thought this a very interesting study of how far DC master trusts have come developing their investment strategies. Summary findings This analysis examines asset allocation across DC master trusts during the accumulation phase. Data reflects assets in 25 master … Continue reading →

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US employers can’t tell if their DC plans are working- just like us!

Posted on August 6, 2026 by henry tapper

  This is an extraordinary finding by WTW. It says a lot about the inability of  those paying into so called pensions and the “value for money” calculation! WTW’s work tells me that the great experiment in providing people with … Continue reading →

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A library on UK CDC . Thank you John Mitchem

Posted on August 5, 2026 by henry tapper

John Mitchem writes from New York to his worldwide audience This mammoth document is a library of articles about CDC and for those who like to read this blog, particularly helpful as in 29 pages it does not mention this … Continue reading →

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In 2014 Kevin Webroom claimed CDC would survive “pension freedom”. How right he was!

Posted on August 3, 2026 by henry tapper

Looking back, this was a remarkably prescient piece of work, more than 12 years old. It was written a few days after the budget in which George Osborne told us we need not convert our pots to annuities. This is … Continue reading →

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From today a CDC master trust can pay a wage in retirement.

Posted on August 3, 2026 by henry tapper

OK, I’m not expecting anyone but the most bored lawyer to open this and read it end to end but here it is. This blog is a celebration not of the “first day of applications of authorisation for Trustees of … Continue reading →

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“Workplace CDC” – Day 2; how’s it going?

Posted on August 2, 2026 by henry tapper

Two things have happened in the last few weeks that will make a change. The first was the arrival of a new Government and yesterday we had the  arrival of a new type of workplace pension. First – what we … Continue reading →

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Thx Guy Opperman for getting CDC going (and to Nick Cave for our celebrations of the Code).

Posted on August 1, 2026 by henry tapper

It’s time we remembered that Guy Opperman got the ball rolling, It may have rolled for nine years to yesterday, but we are at August 1st and into a new era for CDC. It seems to me there are a … Continue reading →

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“Is it drawdown or a CDC pension for me?” asks an outsider looking in.

Posted on August 1, 2026 by henry tapper

This comment is from an “outsider looking in” on this blog. The thought is very personal and explains why some who would have drawn down from a DC pot may prefer to be paid a CDC pension. I could chose … Continue reading →

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For data reasons the lawyers can’t let us have a single DC savings regulator.

Posted on July 31, 2026 by henry tapper

Hywel offers a fine observation based on the dim and distant days when he was a junior pension lawyer. It has been a long time since we had a “DC pension”. Not since the days of 226 plans where the … Continue reading →

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