Response to Pension Commission First Report
Ros’s response to Pensions Commission initial report outlining need for radical reform of state pension and re-thinking retirement.
Pensions ARE in Crisis' – ASIM Meeting
Powerpoint presentation for ASIM at the ASIM Winter General Meeting in London, outlining why the UK pension system is in crisis and what might be done to improve the situation.
Why winding-up schemes should not buy bulk annuities
Note prepared for DWP explaining why assets of occupational schemes in wind-up should not be used to buy annuities, but should be pooled, as will be the case for the PPF, to minimise costs of assistance and maximise potential pensions for victims.
Closing the Savings Gap – CSFS Conference
Presentation at Centre For Future Studies Conference in London on closing the savings gap, outlining how Government and the financial services industry can work together to encourage more savings.
The Role of Government in Pensions – SOFA conference
Presentation given to Society of Financial Advisers Annual Conference on the role of Government in Pensions and future for pensions policy.
FT letter on US pension reform proposals
Letter published in Financial Times pointing out parallels between Bush pension reform proposals and UK pension policies over the past 20 years which have contributed to our pensions crisis.
FT Personal View on problems of savings products for mass market
Personal View article published in Financial Times, explaining the problems of stakeholder product reforms, mass market investors being left out, providers concentrating on high net worth clients and lack of economies of scale in savings products. Ros suggests consideration of National Savings as the ideal ‘Sandler’ products.
Letter commenting on pension burdens faced by UK employers
Letter published in Employee Benefits Magazine explaining why employers have been asked to shoulder too much of the pensions burden and that the ‘standard’ two-thirds final salary pension has become unaffordable for most people.
Pension News from Labour Party Conference
Analysis of suggestions of major shift in Government policy on pensions, which seemed to emerge from the Labour Party Conference.
Financial Adviser feature on failure of Government policy to encourage savings
Feature article published in Financial Adviser highlighting the failure of Government policy to stimulate more savings. The article explains that policy has only focussed on supply side issues (informed choice, stakeholder) but not demand (no new incentives, people don’t want to save) . Ros outlines the need for new incentives for both employers and employees.