Collective defined contribution (CDC) presents an opportunity to deliver better pensions for millions of savers. We believe CDC has a major role to play in the future of UK retirement savings.
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The potential to deliver higher pensions with the same amount being saved is an attractive prize. The opportunity to pool longevity risk solves one of the biggest challenges for DC savers – spending a set pot of money effectively over a time horizon could easily be 3 years or 30 years
For CDC to thrive and be inclusive for the benefit of members and employers across society, it should be designed to encompass a range of risk sharing options.
We’re working with our clients and the wider industry to deliver better risk sharing in DC today.
The past 18 months have seen significant developments in CDC pensions that could benefit millions of future savers. As the UK enters the next phase of CDC regulation, our report explores how these changes could reshape retirement outcomes across the industry.
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In this publication, we explore common misconceptions employers have about CDC. These include concerns about setup burden, accounting treatment, inflexibility, comparisons to With‑Profit funds, overseas examples, and fears of the impact of future legislative change.
Hymans Robertson responds to the DWP's Retirement CDC consultation. It highlights the advancements of CDC and risk sharing for DC members in retirement. Find our response for the evolution of CDC in the UK.
Our webinar on collective defined contribution (CDC) schemes guides employers through the changing industry landscape, practical plan design, and legal steps you need to know to prepare for a potential 2027 launch.
CDC must be made attractive to all with a range of designs from multiple providers. Hymans Robertson publishes industry roundtable report.
The pensions industry needs to do more to support good retirement outcomes for DC savers. The focus of this paper is risk sharing in retirement and how the various options might help DC savers, both in theory and in practice.
There’ll always be a significant amount of people who will not engage with their retirement savings, so we need to have a safety net in place to give people the best chance. Our latest research paper offers insights into creating a member-centric default decumulation solution for DC pensions.
In this publication, we explore common misconceptions employers have about CDC, including concerns about setup burden, accounting treatment, inflexibility, comparisons to With‑Profit funds, overseas examples, and fears of the impact of future legislative change.
Join our 6 November webinar to explore CDC schemes, plan design and legal steps for employers ahead of a potential 2027 launch.
Discover how CDC pensions could transform UK retirement outcomes. Our latest report explores regulation, strategy and global lessons.
Read the latest policy paper from Hymans Robertson on the untapped potential of pensions
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