@article{collectivedefinedcontributionschemes,
  title = {Collective Defined Contribution Schemes Without Intergenerational Cross-Subsidies},
  author = {John Armstrong and James Dalby and Rohan Hobbs},
  year = {2025},
  eprint = {2504.16892},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2504.16892v2},
}