Article published in Financial Times FTfm November 2005 discussing concerns about a agovernance gap’ in UK occupational pensions, as trustees and the industry seem to be focussing primarily on sorting out problems of defined benefit schemes, while not paying enough attention to the needs of new defined contribution arrangements.
Article published in Money Management outlining the failure of pension policy reforms and discussing possible reasons why the Treasury seems to have failed to encourage more pension savings.
Press Release outlining Ros’s initial reactions to the Pensions Commission reform proposals, offering broad support, but expressing a wish that reforms should be bolder and more radical.
Article published in Daily Mail Monday View column on 3rd October 2005, outlining why women in the UK are treated as second class citizens in pension terms and that urgent radical reform is required to deal with this.
Article published in Financial Adviser explaining the unfairness of women’s pensions and why reform is long overdue.
Article written for Global Pensions magazine, explaining why women lose out in our pension system and examining the reforms which are needed.
Article published in Financial Adviser on 8th Sepetmber 2005, following the FSA study of contracting out, demonstrating that this has provided poor value and explaining Ros’s view that contracting out should be abolished as part of radical pension reforms in the UK.
Article published in Global Pensions explaining that Ros considers having a PPF essential and the risk-based levy is a sensible proposal.
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.