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ARTICLE · 18 NOVEMBER 2025

Transforming UK Pensions? - Multi-Employer CDC Schemes

Burness Paull LLP
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In October last year, I reported on the launch of the UK's first Collective Defined Contribution (CDC) scheme and the potential advantages and drawbacks this could bring to scheme members.

United KingdomEmployment and HR
Callum Robertson
Callum Robertson

In October last year, I reported on the launch of the UK's first Collective Defined Contribution (CDC) scheme and the potential advantages and drawbacks this could bring to scheme members. The UK defined contribution pensions landscape is now on the brink of another significant evolution.

Last week, the government published revised regulations following consultation, which open the door to unconnected multi-employer CDC schemes. With the new regulations expected to come into force in July 2026 and the Pensions Regulator's authorisation window anticipated to open in the latter half of 2026, unconnected multi-employer CDC schemes are just round the corner. But what hurdles must an unconnected multi-employer CDC scheme clear?

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