Many DB schemes are creating a surplus management problem for themselves Most don't know it yet. As run-on has become a viable option, the industry has responded. Frameworks have been launched. Documents have been produced. Meetings have been held. But look closely at most of them, and you'll find the same thing: A rebadged Journey Plan. The Journey Plan is a powerful tool. But it was built for a different problem - growing a scheme to a strong financial position. Repackagi

If you're a trustee of a DB scheme in surplus, you're probably being cautious about distribution. That's understandable - it's safer to wait, see what others do, avoid being first-movers. But here's the question: Are you being appropriately cautious because you have a robust framework telling you to wait? Or are you defaulting to inaction because you lack a framework to make confident decisions? There's a crucial difference. Use this checklist to assess which camp you're in.