FTfm article on swaps and liability matching
Article published in FTfm comment section explaining why pension funds may be able to better match their liabilities by using swaps and derivatives, rather than just switching to bonds.
FT letter discussing why switching to bonds is likely to prove unwise for pension funds with large deficits
Letter published by Financial Times explaining why switching to bonds will be unlikely to cure pension fund problems and could make them worse, whereas considering swaps may be a better alternative.
Reforming state pensions is affordable if existing spending is reallocated more wisely
Op-ed piece published in Financial Times advocating radical reform of state pensions. Ros explains why muddled thinking on pensions is preventing an affordable reform programme which could put pension policy on a sustainable path for the 21st Century, but some of the existing spending needs to be reallocated.
Balancing a Portfolio over a Lifetime
Article published in UBS Wealth Management magazine explaining some of the weaknesses of the lifecycle approach to investing and the need for diversification in investor portfolios.
Pensions and Compensation article
Article published in Public Service Review: Finance, Summer 2004, arguing the case for compensation for those who have suffered the injustice of losing their company pension on scheme wind-up.
Citywire: Why older workers are so precious
Ros wrote an article for Citywire explaining the value of older workers and how they can benefit the economy
FTfm opinion piece on need for including alternative assets to diversify pension fund investments
Opinion piece published in Financial Times FTfm supplement, arguing that pension fund trustees need to consider diversified range of investments, not just equities and bonds and that switching from equities to bonds, if funds are in deficit, may be the least efficient way of reducing risk.
Moving Pension Thinking into 21st Century
Article published in ‘Money is Changing’ Special Report on Financial Services Marketing, published by Dig for Fire. The article examines the need to re-think retirement, reform state pensions and encourage longer working lives, to move pension thinking into the 21st Century.
Article to be published in Pensions World magazine outlining women's pension reform
Article to be published in Pensions World magazine, explaining why women’s pensions need to be reformed urgently and how the system currently discriminates against women.
Letter published in the FT asking why employers should be compelled to contribute to their employees' pensions
Letter published in the Financial Times suggesting that there is no intellectual case for compelling employers to contribute to pensions, that this is simply a form of taxation and that pension contributions should really be up to the individual.