Article published in Daily Telegraph on October 9th 2004, discussing the effect of the 2004 Pension Reforms by the Inland Revenue. It argues that these reforms could change the entire nature of pensions in future, turning them into a short term exercise for those on higher rate tax.
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.
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.
Press release explaining that the FSA refuses to accept any responsibility for telling members of final salary schemes that their pensions were guaranteed, when in fact they weren’t. It criticises the double standards apparently being used by the Regulator.
Article published in aThe Actuary’ magazine, entitled aThe Truth about Pensions’ explaining how the Treasury failed to listen to the Actuaries’ warnings about pension scheme wind-ups in 2000 and why compensation from the Government is essential in order to restore confidence in pensions.
Article published in Financial Adviser in July 2004, discussing the findings of the Treasury Select Committee report on long term savings.
Press release discussing the problems for T & N pension scheme members and the inadequacy of the Government’s £400 million Financial Assistance Scheme.
Letter published in Financial Times, arguing that tax relief is not fiscally neutral and is a major example of targeting incentives on top income groups.
Article published in aThe Tomorrow Bulletin’ discussing the Tomorrow Project report aOpportunity of a Lifetime’ and setting out Ros’s proposals for radically rethinking the concept of retirement and introducing a lifetime savings framework.
Article published in the Alternative Institutional Investment Review, July 2004, explaining why Ros believes hedge fund investing will become mainstream and institutions will come to realise that including hedge fund investments can reduce portfolio risk and improve overall portfolio efficiency for long term investors.