Ros explains why the Government is right to permit the development of Collective DC schemes in the UK and explains their potential advantages and drawbacks. She highlights some of the risks, but they are better for employers than DB and likely to be better for members than pure DC
Ros gave a presentation to the Defined Contribution Investment Forum DCIF outlining the changes taking place in retirement and the new outlook for DC pensions in the UK
Ros took part in a Money Marketing Live Webcast debate on the Budget 2014 pension reforms and the changes to the annuity market that will result
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
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
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
Ros explains how tax relief works, comments on its unfairness but cautions against making changes without careful modelling
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.
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.
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