Is lifestyling fit for purpose for people's pensions?
Corporate Adviser asked for Ros’ comments on whether lifestyling products are suitable for pension investors who do not have an adviser.
CII Thinkpiece on personal accounts and annuities advice
Article published by Chartered Insurance Institute (CII) giving Ros’ views on why generic advice for personal accounts will not work, but it could be very helpful for annuities.
Saga website – Introduction to annuities
Article written for Saga website, explaining the basics of annuities and factors to think about before buying.
Saga website – different types of annuity you can buy
Article for Saga website explaining the different types of annuities available.
Feature article on annuities for Corporate Adviser magazine
Article published in Corporate Adviser magazine, discussing some of the shortcomings of the current annuity market and how ineffective the open market option is in practice.
Pensions Management article on trustees and annuity reform
Article published in Pensions Management outlining problems of annuity purchase and urgent reforms required to make open market option work better. Also warning trustees of defined contribution schemes to take care to ensure appropriate annuities are purchased for members.
Why winding-up schemes should not buy bulk annuities
Note prepared for DWP explaining why assets of occupational schemes in wind-up should not be used to buy annuities, but should be pooled, as will be the case for the PPF, to minimise costs of assistance and maximise potential pensions for victims.
Cost of Annuities
Figures showing how much it might cost to buy an annuity of £10,000 per year.
The Future of Annuities
Powerpoint presentation outlining future issues for annuities presented at Journal of Pension Economics Panel Session, November 2002.
Possible Taxation Implications Of Lifetime Capital Protection For Annuities
Discussion of taxation implications of money back guarantees for annuities.