M
Member
Speaking in the House of Lords on 8 December 2025
Debate
Occupational Pension Schemes (Collective Money Purchase Schemes) (Extension to Unconnected Multiple Employer Schemes and Miscellaneous Provisions) Regulations 2025Contribution
We also need much greater clarity on what lessons the Government have drawn from the Royal Mail design. That scheme has been invaluable in demonstrating that CDC can operate at scale but may have equally exposed the practical challenges of modelling assumptions, governance structures and sustained member engagement. To date, we have seen no systematic public assessment of those lessons. How do the CDCs ascertain an aspired pension pot and how has this worked at the individual level at Royal Mail? It would be very helpful to have a response from the noble Baroness.
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