Presentation for FSA Consumer Panel
Presentation made to the FSA Consumer Panel on the topic of awhat I would do if I were on the FSA Consumer Panel’.
When the FSA says aguarantee' it doesn't mean a guarantee
Press release explaining that the FSA refuses to accept any responsibility for telling members of final salary schemes that their pensions were guaranteed, when in fact they weren’t. It criticises the double standards apparently being used by the Regulator.
Rethinking Retirement
Article published in aThe Tomorrow Bulletin’ discussing the Tomorrow Project report aOpportunity of a Lifetime’ and setting out Ros’s proposals for radically rethinking the concept of retirement and introducing a lifetime savings framework.
Tax relief is not fiscally neutral
Letter published in Financial Times, arguing that tax relief is not fiscally neutral and is a major example of targeting incentives on top income groups.
Financial Adviser article reviewing Treasury Select Committee report on long term savings
Article published in Financial Adviser in July 2004, discussing the findings of the Treasury Select Committee report on long term savings.
Trustee Responsibilities
Article published in Financial News in June 2004, examining responsibilities of trustees in both defined benefit and defined contribution schemes.
FT aPersonal View' article questioning the inadequacy of Government policy to encourage savings
Article commissioned by Financial Times for aPersonal View’ column, discussing Government policies to encourage savings and questioning why they seem to be targeted only at the top earners, rather than trying to encourage those who do not pay higher rate tax.
Comments on official figures estimating numbers affected by scheme wind-ups
Comments on the initial figures released by the DWP, estimating numbers affected by winding up pension schemes, who have lost most of their pensions.
How to introduce a Financial Assistance Scheme
Practical suggestions as to how to organise a compensation package for workers who lost their pensions on scheme wind-up. This could be a model for the Financial Assistance Scheme, if it has more money.
Important Q & A about Compensation
Note outlining how and why Government funded compensation should be organised.