The Times letter urging compensation for wind-up victims
Letter published in The Times, praising Patience Wheatcroft’s sympathy for the plight of victims of pension scheme wind-ups and the urgency of Government compensation.
Article in The Times on Financial Assistance Scheme empty promises
Article published in the Times explaining why the Financial Assistance Scheme may sound good, but it is not able to deliver meaningful help to the majority of victims of pension wind-ups and calling for proper compensation to be paid.
FT Personal View on problems of savings products for mass market
Personal View article published in Financial Times, explaining the problems of stakeholder product reforms, mass market investors being left out, providers concentrating on high net worth clients and lack of economies of scale in savings products. Ros suggests consideration of National Savings as the ideal ‘Sandler’ products.
FT letter on US pension reform proposals
Letter published in Financial Times pointing out parallels between Bush pension reform proposals and UK pension policies over the past 20 years which have contributed to our pensions crisis.
Letter commenting on pension burdens faced by UK employers
Letter published in Employee Benefits Magazine explaining why employers have been asked to shoulder too much of the pensions burden and that the ‘standard’ two-thirds final salary pension has become unaffordable for most people.
Financial Adviser feature on failure of Government policy to encourage savings
Feature article published in Financial Adviser highlighting the failure of Government policy to stimulate more savings. The article explains that policy has only focussed on supply side issues (informed choice, stakeholder) but not demand (no new incentives, people don’t want to save) . Ros outlines the need for new incentives for both employers and employees.
FTfm article on recent hedge fund performance
Article published in FTfm, discussing the recent performance of hedge funds and what this implies for the future.
Article for Daily Express on Pension Reform Proposals
Article published in Daily Express, outlining Ros’s proposals for pension reform.
Strategic asset allocation for pension funds
Article published in aFTfm in September 2004 outlining the differences in strategic asset allocation aims between defined benefit and defined contribution schemes and the issues trustees should be considering.
Financial Adviser feature on structuring investment options for money purchase pensions
Feature article published in Financial Adviser, October 2004, outlining Ros’s suggestions for structuring investment options for money purchase and stakeholder pensions, with sensible default options.