Why UK Final Salary Schemes Will Move to DC
Note outlining reasons for employers to switch away from DB schemes towards DC.
Cost of Giving Extra Savings Incentives to Basic Rate Tax Payers
Modelling work carried out by Datamonitor to estimate costs of giving extra government incentives for saving in a matching scheme, rather than using tax relief. Funded by Aberdeen.
UK Pensions in Crisis
A brief note on why Ros believes UK pensions are in crisis.
How We Killed Final Salary Pensions in the UK
Note describing how final salary pension schemes have become financially unsustainable in the UK.
Pension Mistakes Resulting from Tory Legislation in 1990s
Summary of reforms introduced in late 1990s which have undermined pensions.
Sandler Products – Independent Advice is Essential to Avoid 'Mis-Buying'
An article written for Financial Adviser commenting on why financial advice is still so important even when offering simple products.
Cost of Annuities
Figures showing how much it might cost to buy an annuity of £10,000 per year.
Final Salary Pensions and UK Competitiveness
Written for Pensions Week, this article reviews how UK final salary pension schemes are sapping UK competitiveness.
Pooling of DC Pensions
This article, written for Pensions Week, reviews the benefits of Pooling of DC Pensions.
Green Paper Quotes Which Mislead People into Believing Their Employer's Pension is Safe
These quotes show that Government is continuing to mislead people into believing their final salary pensions are safe.