Mutual Insurance for Final Salary Schemes – or Risk Warnings
Note outlining why wither member must be given a proper risk warning that their pension must be protected.
UK Final Salary Pension Crisis – Possible Solutions?
Outline of reasons for the crisis in UK final salary schemes and some suggested solutions.
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.
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.
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.
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.