Rather than each member having their own individual pot, under CDC, pension savings are pooled with other savers. Instead of each individual having their own small pot, savings are brought together at scaleThere are several potential advantages to this approach. In the UK, we recently saw the first whole-of-life CDC arrangement being operated by the Royal Mail on behalf of its entire workforce. It’s all early days and the only ‘live’ CDC scheme is the whole-of-life scheme offered by the Royal MailIf investments go well, you should get everything you were promised and possibly more. For now, it’s all early days and the only ‘live’ CDC scheme is the whole-of-life scheme offered by the Royal Mail.