Limerick published in Financial Adviser highlighting FAS double standards on refusing to acknowledge any wrongdoing in calling final salary pensions ‘guarantee’ with no risk warnings, when in truth these pensions were not guaranteed at all and tens of thousands of people have lost their entire pensions!
Ros’s response to Pensions Commission initial report outlining need for radical reform of state pension and re-thinking retirement.
Press release welcoming NAPF’s open letter to the Secretary of State for Work and Pensions, supporting Ros’s calculations of inadequacy of the Financial Assistance Scheme and fears for the future of the Pension Protection Fund.
Powerpoint presentation for ASIM at the ASIM Winter General Meeting in London, outlining why the UK pension system is in crisis and what might be done to improve the situation.
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.
Presentation at Centre For Future Studies Conference in London on closing the savings gap, outlining how Government and the financial services industry can work together to encourage more savings.
Presentation given to Society of Financial Advisers Annual Conference on the role of Government in Pensions and future for pensions policy.
Letter published in Employee Benefits Magazine explaining why employers have been asked to shoulder too much of the pensions burden and that the ‘standard’ two-thirds final salary pension has become unaffordable for most people.
Letter published in Financial Times pointing out parallels between Bush pension reform proposals and UK pension policies over the past 20 years which have contributed to our pensions crisis.
Personal View article published in Financial Times, explaining the problems of stakeholder product reforms, mass market investors being left out, providers concentrating on high net worth clients and lack of economies of scale in savings products. Ros suggests consideration of National Savings as the ideal ‘Sandler’ products.