Tokenisation and the future of pensions: unlocking efficiency, personalisation and innovation

Welcome to DCIF in Depth!

We’re excited to launch a new season of the DCIF podcast, a mini-series hosted by Louise Farrand alongside our new co-host, Lindsay Nickerson, chair of the DCIF and institutional director at Nordea. Over the course of the series, we’ll explore the opportunities and challenges shaping the future of DC, from tokenisation and AI to innovation across pensions and helping to deliver better outcomes for members.

You can listen to DCIF in Depth and explore our latest DC research at https://dcif.co.uk/.In this episode of DCIF in Depth, hosts Louise Farrand and Lindsay Nickerson are joined by Theo Golden of Baillie Gifford and Nick Cox of Mobius Life to explore what tokenisation is and why it matters for pension funds.

Tokenisation and the future of pensions: unlocking efficiency, personalisation and innovation

Theo and Nick explain how tokenisation can create a shared, secure record of ownership, reducing friction across financial markets and enabling assets to interact more efficiently. They discuss the potential benefits for pension schemes, including broader investment opportunities, greater operational efficiency, and the possibility of delivering more personalised member outcomes at scale.

The conversation also covers ESG considerations, the environmental impact of blockchain technology, emerging use cases, and the practical steps pension funds can take to begin their tokenisation journey.

This episode offers an accessible introduction to one of the most talked-about innovations in investment infrastructure and its potential implications for the future of pensions.