Letter published in the Financial Times on 7th July 2005, outlining why UK Government pension policy is responsible for lulling members of final salary schemes into a false sense of security, which allowed employers to get away with making pension promises which they could not afford. This is the fault of Government failure to tell members the truth, rather than malicious employer actions.
Feature published in Financial Adviser magazine, outlining Ros’s views on the future for occupational pension provision in the UK, movement away from final salary schemes and role of financial advisers to help make defined contribution provision work better.
Feature article published in Daily Mail on 31st May 2005, explaining why Ros believes UK pension policy is in a muddle and her proposals for radical and sustainable reforms, to help overcome the crisis which we face in pension provision in this country.
Feature Comment piece published in the Financial Times on 16thMay 2005, explaining Ros’s views on what has gone wrong with our pension system and her proposals for radical pension reform.
Letter written to Financial Times explaining why encouraging gradual retirement is a key element of pension reforms.
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.
Article published in Professional Pensions in April 2005, outlining Ros’s views of urgent pension reforms required after the General Election.
Letter published in Financial Times in March 2005 commenting on article by Joseph Stiglitz on US pension policy. The letter suggests that transferring costs of pensions from state to private sector does not make the risks disappear.
Article published in ‘Pensions and Investments UK’, discussing implications of planned pension reforms for occupational and personal pensions in 2005/2006. Impact on investment of pension fund assets, trustees of occupational schemes and the new tax regime for contributions.
Presentation given at NAPF meeting in London to discuss pension scheme governance for defined contribution pension funds, considering trustee based, versus contract based models.