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07 November 2013

IPE(年金向けの情報サイト):DWP(英国労働年金省)、オランダに見られる集団型確定拠出型年金を含む確定給付型年金の4モデルについて市中協議、意見受付期限は12月19日


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The UK could look to develop collective risk-sharing models inspired by the Dutch collective defined contribution (CDC) or the Danish ATP model, according to the DWP's consultation paper which runs until 19 December, 2013.


The consultation paper lays out a number of potential approaches to allow for greater risk-sharing and proposed several new defined benefit (DB) models, including a core DB with a flexible additional payout in the form of either conditional indexation or an additional payment.

Of the four models proposed as a way of increasing certainty for DC members, the DWP said it would consult on a money-back guarantee system, the possibility of investment guarantees, a retirement income insurance model and a retirement income builder, based around systems in place in Continental Europe.

The paper adds: “As a result, the individual has a degree of pre-retirement certainty over their retirement income and can always see some benefit for each additional year of contributions, as the guaranteed element increases". The department notes that, for both the ATP-inspired approach and a CDC model, scale and “sufficient” inflow of new members will be key.

The deadline for the consultation is 19 December, 2013.

Full article (IPE registration required)

DWP-consultation paper



© IPE International Publishers Ltd.


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