CDC: Developing a framework for the next government

04 Apr 2024

Collective defined contribution (CDC) presents an opportunity to deliver better pensions for millions of savers. It has the potential to offer higher, and more certain, retirement incomes through: 

  • longevity pooling, which allows people to swap some of their pension death benefits for higher incomes while they are alive; and/or
  • widening the range of asset strategies that can be used, through making pension liabilities less liquid, which holds out the prospect for higher investment returns. 

But for CDC to thrive and be inclusive for the benefit of members and employers, we need scale and diversity.

To help prepare for success, we’ve set out developments that the next government could adopt following the election and will be engaging with the industry in the year ahead to bring these to life.

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