Slides and transcript of a speech given at the Institute of Actuaries aAgeing Population’ conference in Edinburgh on January 21st 2002. This describes proposals for a new type of ‘wrapper’ in which to hold all a persons savings throughout their lifetime, from short term investments to pensions and equity release.
Ros’s presentation at the Watson Wyatt 2005 pension debate, proposing the motion that aThis house believes pension reform will do nothing for those who need it most’. Ros, together with Steve Bee the leading pensions guru from Scottish Life,  explained why they believed that pension reforms so far will not benefit the Govenrment’s atarget’ group of middle earners.
Lecture delivered for the ACCA at the Museum of London, discussing the pensions landscape and the role of the accounting profession in helping clients prepare for forthcoming reforms.
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.