Why has Government policy to encourage saving failed?
Article published in Money Management outlining the failure of pension policy reforms and discussing possible reasons why the Treasury seems to have failed to encourage more pension savings.
FT personal view on failure of Stakeholder policy initiatives
Limerick published in Financial Adviser highlighting FAS double standards on refusing to acknowledge any wrongdoing in calling final salary pensions ‘guarantee’ with no risk warnings, when in truth these pensions were not guaranteed at all and tens of thousands of people have lost their entire pensions!
Closing the Savings Gap – CSFS Conference
Presentation at Centre For Future Studies Conference in London on closing the savings gap, outlining how Government and the financial services industry can work together to encourage more savings.
FT Personal View on problems of savings products for mass market
Personal View article published in Financial Times, explaining the problems of stakeholder product reforms, mass market investors being left out, providers concentrating on high net worth clients and lack of economies of scale in savings products. Ros suggests consideration of National Savings as the ideal ‘Sandler’ products.
Financial Adviser feature on failure of Government policy to encourage savings
Feature article published in Financial Adviser highlighting the failure of Government policy to stimulate more savings. The article explains that policy has only focussed on supply side issues (informed choice, stakeholder) but not demand (no new incentives, people don’t want to save) . Ros outlines the need for new incentives for both employers and employees.
Press Release on Treasury Select Committee Report on Long-term Savings
Press release discussing the findings of the Treasury Select Committee report on long term savings in the UK.
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.
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.