What the Green Paper Needs to Do
Summary of essential reforms needed in Green Paper.
Article to be published in Pensions World magazine outlining women's pension reform
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.
Explanation of possible new structured products to help pension funds overcome deficits
Powerpoint description of a possible structured product approach to overcoming pension fund deficits and meeting liabilities over time.
What is the case for employer compulsion?
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.
Letter published in the FT asking why employers should be compelled to contribute to their employees' pensions
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.
Comments on proposals of Pensions Commission Second Report
Article prepared for Financial Adviser giving Ros’s reaction to the pension reform proposals contained in the Pensions Commission final report.
Prudential is advising customers to contract back in, why not abolish contracting out?
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 questioning whether winter fuel and other allowances to pensioners should be more targeted
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.
U turn on pension simplification reforms is a shambles
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.
Why has Government policy to encourage saving failed?
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.