What is CDC and does it matter?

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A Collective Defined Contribution scheme pools the contributions and pays a variable pension to members from the common pool. Unlike a conventional DC scheme, there are no individual investment accounts which ring fence each member’s contributions and investments. Collective Defined Contribution Schemes are back in the news. There are two reasons for this: The Workplace and Pensions Committee have set up an enquiry into CDC Royal Mail and the CWU intend to move to a…

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11 years providing financial advice to individuals directly and through employers. 14 years within insurers working with advisers to provide better DC and DB outcomes. 25 years left to make a difference!

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