Interactive Investor – why bother with pensions?
Article written for Interactive Investor website, explaining how the credit crisis has been a disaster for pensions and that Government policy is helping to undermine pensions even further.
Labour's Legacy – destruction of pensions
published in Scottish Sunday Post explaining that the era of final salary pension schemes is now closing and that Government policy has hastened the demise of a once-thriving private pension system in the UK.
FT Comment piece – Better ways out of this crisis
Comment article published in the Financial Times outlining some of the mistakes of the policy response so far and suggesting potentially more effective alternative policies to cope with the downturn.
Yorkshire Post – Crisis needs a more intelligent response
An op-ed published in the Yorkshire Post – Ros explains why she believes it is wrong to cut interest rates further, the damage this can do and that a more intelligent, targeted approach is required to this crisis with Government taking charge and lending direct to companies.
Rate cuts could make the economy worse, not better
Ros explains why cutting interest rates even further from here is not sensible and causes significant damage to pensioners living on their savings. She highlights the iniquity of pension credit assumption that poor pensioners earn 10% interest on their savings.
Falling markets, crumbling pensions
Article published in House Magazine examining the credit crisis, stock market falls and policy response have impacted pensions and the implications for public spending.
Reassessing investment risk
Letter published in Financial Times suggesting that the concept of investment risk has been misunderstood – expected returns may not be each investors’ achieved returns, but investors have acted as if their returns on risky assets will somehow be guaranteed.
State pensions are in a mess – radical reform urgently required
Article featured in Scottish Sunday Post explaining how UK state pensions are inadequate, current reforms will not deliver what we need and recommending a radical overhaul to finally treat our pensioners decently.
We need an independent inquiry into public sector pensions
Letter published in Financial World magazine highlighting the lack of transparency in public sector pensions and calling for an independent inquiry into the developing public sector pensions aristocracy.
Pension development forecasts for 2009
PProfessional Pensions asked Ros to give her forecasts for pensions in 2009.