Ros welcomes the revolution announced in the Budget for pensions and savings, with increased flexibility for ISAs and more pension savings taken as cash – she has called for these changes for many years.
The Sunday Post supported Ros’ views that the Chancellor needs to ensure the Budget works well for savers and improve the flexibility of ISAs and pensions.
Ros discusses the latest release from the Association of British Insurers which outlines ways in which it proposes to improve its practices for selling annuities. She believes the media pressure has had an impact but the measures being promised are inadequate and being introduced too slowly anyway.
Ros wrote a review of the impact QE and ultra low interest rates as the five year anniversary of these policies arrives. She highlights powerful winners and many losers with large risks looming on the long-term as rates have stayed too low for too long.
Ros wrote a ‘Talking Head’ piece for the Financial Times publication ‘Pensions Expert’ which explains the damaging impact of Quantitative Easing on UK pensions
Ros highlights how little fuss there seems to have been that private pension assets are being confiscated by Governments as economic conditions become tough and asks whether safeguards may be needed for private pensions
Ros explains why pension charges need to be capped, even though the latest auto-enrolment schemes seem to have lower fees. Workers in small firms need protecting if their employers cannot negotiate good terms.
Ros gave a talk at Imperial College outlining the background to the pensions crisis and suggesting some solutions
Ros reacts to the release of the findings of the FCA’s Thematic Review of annuities which confirms market failure but fails to implement swift reform
Ros wrote an article for CityAM expresses concerns that the FCA review shows the failings of the annuity market but is still not addressing them