What Next for Annuities?
Ros explains why new annuity products are needed and the background to why Partnership needed to offer a new annuity product, which provides an enhanced annuity with a one year surrender option
The New World of Pensions – SEI/Engaged Investor/Pensions Insight
Ros gave a keynote speech for Pensions Insight/Engaged Investor Magazine at the SEI and Engaged Investor conference in the House of Commons. She explained some implications of the radical pension reform for future provision, for accumulation and decumulation products and expressed her concerns about unwinding of QE
Lessons for US from UK pension policy – flexibility for future retirement plans
Ros gave a presentation to US investors and plan sponsors outlining what has been happening to UK pensions policy, how it is becoming more flexible and moving towards possible ‘hybrid’ solutions rather than one-size-fits-all and pure DB or DC. She suggests ways to learn from some of our past mistakes
Pensions Revolution – The flexible future
Ros gave the keynote address at the Pension Pioneers Forum in London and explained her views about the new pensions landscape, with its implications for accumulation, decumulation, providers and trustees.
Should we change tax relief
Ros explains how tax relief works, comments on its unfairness but cautions against making changes without careful modelling
Give people the date they are expected to live to, not to die at!
Ros comments on the Government’s idea to help people plan for retirement by telling them an expected date of death. This is more likely to put them off engaging in thinking about their later life finances that telling them how long they are expected to live – it’s not just semantics, it’s behavioural psychology.
Ros' evidence to Treasury Select Committee highlighted in The Herald
The Herald, Scotland, highlights Ros’ evidence to the Treasury Select Committee inquiry into the Budget pension changes where she expresses her belief that it is difficult to imagine average annuity rates worsening as a result of the change to compulsory annuitisation
Class 3A National Insurance pension contributions – good value?
Ros explains the Government’s proposals to allow people to buy extra years of state pension with so-called Class 3A contributions
Spectator blog – Ten things that have gone wrong in the UK insurance industry
The Spectator carried a blog from Ros outlining ten ways in which the UK insurance industry has been at fault and how it can change to better meet the needs of its customers.
What's gone wrong with the UK insurance industry?
Ros comments on the announcement by the Financial Conduct Authority that it will investigate old insurance policies sold between 2006 and 2000 to see if the charges and terms are fair to customers and she explains what has gone wrong with the insurance industry profit and sales models.