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1 Department for Work and Pensions, “Workplace pension participation and savings trends: 2009 to 2025”
2 United States: Center for Retirement Research, “How much do people value annuities and their added features?”, Jan. 2, 2024. United Kingdom: FCA - Retirement Income Market Data 2024/25. Australia: Retirement phase of superannuation, Australian Treasury Discussion paper, Dec. 2023
3 While the term ”variable annuity” is sometimes confusingly used in the U.S. to refer to both longevity pooling solutions such as CREF and GLWBs, these are completely different products
4 https://www.australianretirementtrust.com.au/retirement/lifetime-pension
5 As of July 2026
6 https://www.pensionsmyndigheten.se/ga-i-pension/planera-din-pension/premiepensionen-nar-du-gar-i-pension
7 https://www.nn.nl/EN-Particulier/Pensioen/Bijna-met-pensioen/Personal-Pension-Benefit/Variable-Personal-Pension-Benefit.htm
8 Bovenberg & Gradus, ”Reforming Dutch occupational pension schemes” Netspar Discussion Paper DP 05/2014-017
9 https://www.pwc.nl/nl/marktsectoren/pensioensector/documents/new-dutch-pensions-act.pdf
10 https://www.ai-cio.com/news/royal-mail-finally-launches-britains-first-cdc-pension-plan/
11 https://www.gov.uk/government/consultations/retirement-collective-defined-contribution-pension-schemes/retirement-collective-defined-contribution-pension schemes
12 The Occupational Pension Schemes (Collective Money Purchase Schemes) (Extension to Unconnected Multiple Employer Schemes and Miscellaneous Provisions) Regulations 2025 – GOV.UK
13 https://www.mercer.com/en-gb/insights/pensions/defined-contribution-schemes/collective-defined-contribution-cdc-learning-from-dutch/
14 This is a legal requirement for retirement plans in the U.S.
2 United States: Center for Retirement Research, “How much do people value annuities and their added features?”, Jan. 2, 2024. United Kingdom: FCA - Retirement Income Market Data 2024/25. Australia: Retirement phase of superannuation, Australian Treasury Discussion paper, Dec. 2023
3 While the term ”variable annuity” is sometimes confusingly used in the U.S. to refer to both longevity pooling solutions such as CREF and GLWBs, these are completely different products
4 https://www.australianretirementtrust.com.au/retirement/lifetime-pension
5 As of July 2026
6 https://www.pensionsmyndigheten.se/ga-i-pension/planera-din-pension/premiepensionen-nar-du-gar-i-pension
7 https://www.nn.nl/EN-Particulier/Pensioen/Bijna-met-pensioen/Personal-Pension-Benefit/Variable-Personal-Pension-Benefit.htm
8 Bovenberg & Gradus, ”Reforming Dutch occupational pension schemes” Netspar Discussion Paper DP 05/2014-017
9 https://www.pwc.nl/nl/marktsectoren/pensioensector/documents/new-dutch-pensions-act.pdf
10 https://www.ai-cio.com/news/royal-mail-finally-launches-britains-first-cdc-pension-plan/
11 https://www.gov.uk/government/consultations/retirement-collective-defined-contribution-pension-schemes/retirement-collective-defined-contribution-pension schemes
12 The Occupational Pension Schemes (Collective Money Purchase Schemes) (Extension to Unconnected Multiple Employer Schemes and Miscellaneous Provisions) Regulations 2025 – GOV.UK
13 https://www.mercer.com/en-gb/insights/pensions/defined-contribution-schemes/collective-defined-contribution-cdc-learning-from-dutch/
14 This is a legal requirement for retirement plans in the U.S.