Royal Mail delivers a return to collectivism

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management</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/wealth/member-advice/">Member advice</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/wealth/" class="view-all-link">All wealth services</a> </div> </div> </div> </div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/solutions/">Solutions for you</a></div> <section class="mega-menu 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has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/digital/">Digital services</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Digital services</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Solutions that combine deep pensions expertise with digital prowess.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/digital-product-development/">Digital product development</a></li> <li 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block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-custom menu-item-object-custom'><div class="relative flex items-center h-full menu-link-wrapper"><a href="/insights">Insights</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Insights</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">The big issues facing our industry.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/us-election-result-what-does-this-mean-for-markets-and-investors/">US election result: what does this mean for markets and investors?</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/">The key takeaways from a highly anticipated Budget</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/lgps-england-wales-low-risk-funding-index-30-september-2024-results/">LGPS (England & Wales) Low-Risk Funding Index: 30 September 2024 results</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-quarterly-october-2024/">Isio Quarterly October 2024</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-acquires-k3-advisory-to-bolster-risk-settlement-capabilities/">Isio acquires K3 Advisory to bolster risk settlement capabilities</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/changing-dynamics-for-in-house-pensions-managers/">Changing dynamics for in-house pensions managers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-mail-delivers-a-return-to-collectivism/">Royal Mail delivers a return to collectivism</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-londons-entry-into-the-bulk-annuity-market/">Get your benefits right or risk losing top talent</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/2024/02/29/outpacing-change/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="187" src="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png" class="w-full h-full object-cover" alt="" decoding="async" fetchpriority="high" srcset="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png 366w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-300x153.png 300w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-1024x523.png 1024w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-768x392.png 768w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-1536x784.png 1536w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-720x368.png 720w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-95x49.png 95w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-354x181.png 354w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-980x500.png 980w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-170x87.png 170w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail.png 1735w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">post</span> <span class="text-base 2xl:text-lg pl-6 text-black">Outpacing change</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/2024/02/29/outpacing-change/">Outpacing change</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/about-us/">About us</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Find out more about Isio</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">An industry-leading challenger, providing Pensions, Benefits, Investment and Wealth services – ensuring better outcomes for our clients.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/our-vision-and-values/">Our vision and values</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/sustainability/">Sustainability</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/inclusion-diversity-and-equity/">Inclusion & belonging</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/client-success-stories/">Client success stories</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/">News</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/insights/isio-insights-maximising-value-from-employee-benefits/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="153" src="https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142.jpg" class="w-full h-full object-cover" alt="" decoding="async" srcset="https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142.jpg 1920w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-300x125.jpg 300w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1024x427.jpg 1024w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-768x320.jpg 768w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1536x640.jpg 1536w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">insight</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/insights/isio-insights-maximising-value-from-employee-benefits/">Maximising value from employee benefits</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/our-people/">Our people</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Meet our amazing teams</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Leading the way to a better, more progressive pensions industry.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/our-people/?department=13">Actuarial and 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Ten cities. One team.</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Isio is built by challengers, innovators and forward-thinkers, striving to deliver higher levels of financial confidence.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/careers/">Our careers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/careers/early-careers/">Early careers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/careers/our-locations/">Our locations</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" 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lg:py-0 relative flex h-full items-center "> <div class="breadcrumb hidden lg:block absolute top-3.5 "> <span><span class="bc-link"><a href="https://www.isio.com/">Home</a></span> <span class="bc-seperator">»</span> <span class="bc-link"><a href="https://www.isio.com/insights/">Insights</a></span> <span class="bc-seperator">»</span> <span class="breadcrumb_last" aria-current="page">Royal Mail delivers a return to collectivism</span></span> </div> <div class="max-w-[600px] text-white flex-col text-left pt-16 pb-8 lg:pt-28 lg:pb-20"> <div class="headings flex flex-col mb-4"> <h1 class="h1"> Royal Mail delivers a return to collectivism </h1> <h2 class="text-2xl uppercase"> Pensions </h2> </div> </div> </div> </div> </section> <section> <section class="text-wrapper text-block medium-width "> <div class="container"> <div class="acf-innerblocks-container"> <p>After years of development and effort we are delighted to see the launch of the first Collective Defined Contribution (“CDC”) scheme in the UK by the Royal Mail.  This represents the birth of a genuine ‘third-way’ of providing pension benefits that looks to capture the positive elements of the existing defined benefit (‘DB’) and defined contribution (‘DC’) approaches.</p> <p>The Royal Mail CDC scheme will allow their staff to save for an income in retirement without having to worry about making complex decisions on selecting and monitoring investment strategy, contributions rates and how to ultimately access their benefits.  For the Royal Mail they will be able to provide this valuable benefit to their staff without any of the associated contribution and balance sheet risks that have plagued DB schemes in recent decades.</p> <p>At Isio, we are pleased to have played our part in the efforts to make this a reality by supporting the trustees in establishing their governance and board effectiveness strategy.  This enabled them to ensure the new Trustee Board for the CDC scheme will operate effectively together as they take on this historic role.</p> <p>The question is often posed to us as to whether the Royal Mail CDC Scheme will be the first of many or a unique experiment.  While we don’t expect many sponsors to have the appetite and energy of the Royal Mail and its Unions to set up their own CDC scheme, we do believe the multi-employer CDC regulations will provide a route to bringing the benefits of CDC to employers of all shapes and sizes.  It was very pleasing to see the new government show its commitment in this space by launching a consultation on the multi-employer CDC regulations today.</p> <p>There will be challenges in ensuring the regulations provide the suitable flexibility in CDC scheme design and the reluctance of employers to be the first-mover into anything new in the world of pensions. However, if these barriers can be overcome, there are clear benefits to employers and employees from providing a CDC option.</p> </div> </div> </section> <section class="insight-slider no-quote py-16 md:py-32 overflow-hidden bg-white"> <div class="container"> <h2 class="text-brandGreen text-[2.875rem] md:text-7xl mb-12">More Isio insights…</h2> <div class=" grid grid-cols-1 lg:grid-cols-3 xl:grid-cols-4 gap-14 md:gap-20 md:mb-7"> <div class="col-span-1 lg:col-span-2 xl:col-span-3"> <div class="bg-white swiper-side"> <div class="swiper previewSwiper"> <div class="swiper-wrapper lg:pb-10"> <div class="swiper-slide w-full"> <a href="https://www.isio.com/insights/what-the-budget-and-employment-rights-bill-mean-for-payroll/"> <div class="md:hidden w-full aspect-[7/5] bg-cover" style="background-image:url(https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-14T113529.926.png);"></div> <div class="relative overflow-hidden"> <img decoding="async" width="949" height="514" 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