Plain-English articles on retirement, later life, care, property, advice and the firms that serve people through them.
Collective defined contribution (CDC) is the first new kind of workplace pension the UK has seen in a generation. Multi-employer schemes became possible on 31 July 2026, and the first commercial scheme is awaiting approval. I am positive about CDC, but I do not think it can replace annuities or drawdown until a provider tells a compelling, customer-based story.
Around three million UK pension pots are lost, worth at least £18.7 billion, and most belong to people under 55. The government’s Pension Tracing Service is free and can put a smile on your customers’ faces. This article gives the link, what the service can and cannot do, three things to ask your customers to do before they see you, and how they can join the MoneyHelper Pensions Dashboard trial.
A million people opened a pension for the first time last year, and fewer than a third took advice. The advice gap is real, but the newest FCA data points to an engagement problem as well. This article asks what technology can and cannot do, and gives five questions to ask your team about customer journeys.
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