Scheme actuaries use a nominal gilt yield curve, which they assert directly matches the currency and inflation exposure of those…
"prefers to compare the returns with a liability proxy (a mixture of gilt maturities)" Are those Index-Linked gilts, given that…
I agree the major problem with DC is that it has been designed as a savings plan not to provide…
Oh, and I think this confusion leading to DB being viewed as a pot by members is an unintended consequence…
Tag Archives: R-CDC
Will CDC challenge DC workplace as the employer’s choice?
I read with great interest the Professional Pensions “Buzz ” results that asked this question and found a different result that I would have expected this time last year! Continue reading
Posted in pensions
Tagged annuity, Business, Business and Economy, CDC, DC master trusts, Pensions, R-CDC, Retirement, TPR, workplace Pensions
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Is R-CDC dead before it is even born? Johan Kriek
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 … Continue reading
Callum Stewart joins the queue wanting a change of name for CDC.
This is not having a go at Callum Stewart, quite the opposite, I am in the queue somewhere myself! What’s going on when people talk names (nomenclature if you’re posh) is to try to compress thinking into a word or … Continue reading
Posted in pensions
Tagged Callum, CDC, CDC pension, Collective Pensions, R-CDC, Retirement, Stewart
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AON why this DC/CDC hybrid mastertrust launched in 2028???
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
Posted in pensions
Tagged Aon, CDC, CDC pension, dc, Hybrid, master trust, Pensions, R-CDC
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Can we recognise WTW’s promotion of CDC as “independent”?
Distorted facts I was distressed to read some distortions in Professional Pensions (PP). First lets start with distorted facts With the first CDC schemes now authorised, R-CDC is one default route under consideration by schemes. The WTW poll found 78% … Continue reading
C-Suite executives see CDC workplace pensions as simple to get on with
I’m pleased to hear that LCP pension clients are keen on providing good outcomes for their members, though I’m not surprised, that’s what they are paid to do! Professional Pension people know that pension outcomes are better using CDC than … Continue reading
Hymans Robertson speak to employers who care about those who need a workplace pension
What it’s like to not have the money coming in to pay the bills. I’m with Andy Young and Lauren Branney in these comments. At either end of a career as actuaries they have a common interest in financial comfort … Continue reading
Posted in pensions
Tagged flexibility, Lauren Branney, Paul Waters, Pensions, R-CDC, Retirement
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Why is WTW’s retirement CDC not getting the thumbs up?
We always need analysis to help us make choices. We are getting a lot from WTW about decumulation CDC and the numbers don’t look anything like 60% better for CDC if you wait to swap your pot for a CDC … Continue reading
Thanks for your reply. I hope it does successfully "embed both the real rate and expected inflation in one number".…