As Defined Contribution (DC) schemes mature and policy evolves, what’s next for the UK’s retirement system? This keynote explores the government’s long-term vision for DC, the growing importance of master trusts, and how innovation, scale and good governance can deliver better outcomes for members.

With the new VFM framework changing expectations across the sector, this session examines how schemes can demonstrate value beyond cost. Panellists will discuss practical metrics, the role of data, and how to embed member experience at the heart of evaluation.

Decumulation design is moving centre stage. This session explores how trustees and providers can help members make confident retirement choices through flexible pathways, guided support and behavioural insights that deliver sustainable income.

As schemes seek growth and diversification, DC investment design is evolving. Experts discuss how incorporating private markets, ESG factors and dynamic asset allocation can enhance long-term member outcomes.

Ensuring fair outcomes for vulnerable members is an increasing focus for trustees, regulators and providers. This session shares practical ways to identify vulnerability, design inclusive communications and meet evolving regulatory expectations.

Master trusts lead DC delivery, but governance standards continue to rise. This session looks at how schemes can strengthen trustee capability, improve oversight and maintain regulatory confidence in a complex operating environment.

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Calls for a renewed national debate on pensions are growing louder. This session considers what a new Pensions Commission might explore – from adequacy and engagement to decumulation and the role of employers – and how evidence can shape future reform.

Digital transformation is reshaping DC operations. Speakers explore how automation, analytics and smarter systems can strengthen governance, improve efficiency and support informed decision-making for trustees and providers.

Administration is the engine of DC delivery. This session highlights how operations teams are driving change – improving data quality, enhancing member engagement and ensuring transparency across a more demanding regulatory landscape.

This session explores how Collective Defined Contribution (CDC) has been implemented in practice, drawing on Royal Mail’s pioneering experience as the first organisation in the UK to establish a CDC scheme. The speakers will outline the strategic, operational and governance steps involved, the challenges faced during implementation and the lessons learned along the way. You will gain a clear understanding of how CDC can support long-term retirement outcomes, the considerations for employers and trustees, and what this model could mean for the future of workplace pensions.

Consolidation continues to reshape the DC landscape. This discussion explores market trends, how schemes manage large-scale transitions, and how to maintain trust and continuity for members throughout the process.

An engaging final session offering fresh perspective and energy to close the day — from an inspiring journalist, economist, or thought leader. Expect reflections on trust, resilience, and the power of purpose in an era of rapid financial and societal change.