Five years of record low rates – winners and losers
Ros’ views were featured in Pensions World, explaining the winners and losers from the Bank of England’s policies five years on.
QE five years on – rejoice or despair?
Five years on from the start of QE and ultra low interest rates, Ros outlines ten reasons for some to rejoice and ten reasons for others to despair
QE has damaged pensions
Ros explains how QE has damaged both DB and DC pensions, but these impacts have been overlooked
FT Pensions Expert: How QE has harmed UK pensions
Ros wrote a ‘Talking Head’ piece for the Financial Times publication ‘Pensions Expert’ which explains the damaging impact of Quantitative Easing on UK pensions
Polish pension confiscation – how safe are private pensions?
Ros highlights how little fuss there seems to have been that private pension assets are being confiscated by Governments as economic conditions become tough and asks whether safeguards may be needed for private pensions
Low rates bonanza for mortgage borrowers is great income boost
Description: Ros analyses the latest Bank of England statistics and calculates how much extra income a borrower with a £100,000 mortgage is enjoying since 2008 as a result of low rates and how much income savers are losing over the same period
A bonanza for borrowers but savers lose out as rates stay low
Ros shows how much money mortgage borrowers have gained as a result of low interest rates and how much savers have lost out
Annuities are not fit for purpose for many
Ros explains why she spoke out against selling annuities to customers without any suitability checks and explains why annuities are no longer fit for purpose.
Stockmarketwire: Altmann calls for debate on low bond yields
Stockarmektwire highlights Ros’ concerns about the damage being done to pensions by low bond yields
2014 – a Boom Year – electoral and economic cycle brilliantly aligned
Ros predicts an economic boom in 2014 with 5% growth, rising real earnings and falling unemployment which aligns the economic and electoral cycle brilliantly. She wonders whether this is by accident or design.