Tag Archives: Retirement CDC

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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Why is WTW’s retirement CDC not getting the thumbs up?

Posted on March 25, 2026 by henry tapper

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 →

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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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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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Why wait for CDC? Bright sparks argue it out this morning !

Posted on January 27, 2026 by henry tapper

Coffee Morning – CDC – Why wait?  Attending CPD included Join here:   Tuesday 27th January at 10.30pm (that’s today!) You are cordially invited to attend our next online “Roundtable” – CDC Why Wait? The Government’s press release says that CDC schemes could increase … Continue reading →

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Why wait for CDC? We’ll have it out next Tuesday!

Posted on January 21, 2026 by henry tapper

Coffee Morning – CDC – Why wait?  Attending CPD included Join here:   for Tuesday 27th January at 10.30pm You are cordially invited to attend our next online “Roundtable” – CDC Why Wait? The Government’s press release says that CDC schemes could increase retirement … Continue reading →

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Stop the politics, we have pension testing in 2026, delivery in 27.

Posted on December 1, 2025 by henry tapper

Politics and political news to stop please! It is the first morning of the winter and of advent, it is the day of a memorial for Chris Sier, it is a morning to think boldly of the future, of 2026 … Continue reading →

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CDC’s got a hard centre. Tough talking from DWP (4 TPR)

Posted on October 24, 2025 by henry tapper

This blog bites inside the sweet messages of a 60% better pension for members to find what the DWP (and its regulator) have in mind beyond what was laid in 2022, is being laid now but what will need to … Continue reading →

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Why keeping at retirement transfers separate from whole of life CDC makes sense

Posted on October 24, 2025 by henry tapper

CDC creates pools of money that pay “aspirational” pensions.  Aspiration – the word that was dropped in favour of “ambition” by Steven Webb, reappears in the consultation that arrived yesterday, This is it… In whole-life CDC schemes, member and employer contributions are … Continue reading →

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