Balancing a Portfolio over a Lifetime
Article published in UBS Wealth Management magazine explaining some of the weaknesses of the lifecycle approach to investing and the need for diversification in investor portfolios.
Pensions World conference aPrivate pension Policy, Pension Reform and Compulsion'
Presentation delivered at Pensions World conference outlining Ros’s views on the need for radical pension reform and why she thinks compulsion would not be advisable.
Brief summary of crisis facing UK employers running final salary schemes
Brief note outlining the situation facing UK employers running final salary pension schemes and why they are now facing huge deficits.
Encouraging Savings In The UK – A Lifetime Savings Framework
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.
Watson Wyatt debate aPension reform will do nothing for those who need it most'
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.
ACCA pensions lecture aPension Provision in the 21st Century'
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.
DWP report on pension charges shows charge cap needed
The DWP released a report on pension charges which indicates the need to introduce a cap to protect workers from high fees
FT conference, should pension funds be switching to bonds?
Speech delivered at FT Business Conference aHidden Treasures in Bonds’ in London, discussing Ros’s thoughts about pension fund asset allocation and the investment considerations for pension funds when considering switching into bonds.
Speech at Labour Party Conference fringe on encouraging retirement provision
Presentation given at B&CE fringe meeting at Labour Party Conference in Brighton, discussing Ros’s views on how to get people to provide for their retirement.
Government Pension Reforms
Presentation on Pension Reform given at Financial Times FT Financial Adviser Expo in London.