Presentation given at Actuarial Profession Annual Pensions Convention, in Brighton on 7th June 2005, outlining the failure of the UK pension model, the outlook for occupational pensions and the role of actuaries in future.
Article to be published in Pensions World magazine, explaining why women’s pensions need to be reformed urgently and how the system currently discriminates against women.
Powerpoint description of a possible structured product approach to overcoming pension fund deficits and meeting liabilities over time.
Letter published in the Financial Times suggesting that there is no intellectual case for compelling employers to contribute to pensions, that this is simply a form of taxation and that pension contributions should really be up to the individual.
Article prepared for Financial Adviser giving Ros’s reaction to the pension reform proposals contained in the Pensions Commission final report.
Press Release explaining why contracting out should be abolished as part of radical pension reform and most providers are already advising their clients that they should not remain contracted out.
Press Release explaining that winter fuel and other benefits for pensioners are costing over half as much as Pension Credit, yet are not targeted at all and asking whether this is a sensible use of taxpayers’ money.
Press Release discussing Ros’s view that the government’s climbdown on allowing residential property into personal pensions and last-minute changes of pension simplification tax rules is the right decision but dreadful timing. The Government should never have proposed this and should have listened to warnings over the last 2 years that such changes would lead to huge losses of tax revenue.
Additional comments from Ros on the Pensions Commission reform proposals, questioning the intellectual case for compelling employers to contribute to pensions and discussing some of Ros’s reservations about the proposals.
Article published on BBC website discussing the crisis in UK occupational pension provision, problems faced by employers and members and recommendations for radical reforms.