Adrian Boulding: Advice opportunities in CDC decumulation

Meteoric rise

clock • 6 min read

CDC decumulation could offer a healthy balance between risk and reward for pension savers planning decumulation but will all DC savers be offered this option? Adrian Boulding looks at the issues for advisers

The Department for Work and Pensions published its draft collective defined contribution (CDC) pensions scheme regulations and ran its consultation on these changes earlier in the year. Once these regulations are firmed up, by the end of this year in all probability, single employer and connected employers within a group structure will be able to open CDC schemes for their employees. Back to where it all began Let's not forget how CDCs first made it onto the table as a new occupational pension offering way back in early 2017, when the Royal Mail announced that it would have to close ...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Pensions

Pensions gender gap: A low-profile injustice that deserves more attention

Pensions gender gap: A low-profile injustice that deserves more attention

'Pensions are one of the few financial products where time is the single biggest driver of outcome'

Jessica Cook
clock 24 August 2026 • 4 min read
Advisers place focus on retirement support as providers lack 'meaningful' engagement

Advisers place focus on retirement support as providers lack 'meaningful' engagement

People’s Pension poll shows 54% of IFAs say providers struggle to create ‘meaningful’ engagement

Martin Richmond
clock 19 August 2026 • 3 min read
Pensioner poverty has risen for more than a decade, warns LCP

Pensioner poverty has risen for more than a decade, warns LCP

Single and divorced pensioners most affected and should be focus for future policy

Alex Levy
clock 18 August 2026 • 4 min read