Tax relief is not fiscally neutral
Letter published in Financial Times, arguing that tax relief is not fiscally neutral and is a major example of targeting incentives on top income groups.
FT aPersonal View' article questioning the inadequacy of Government policy to encourage savings
Article commissioned by Financial Times for aPersonal View’ column, discussing Government policies to encourage savings and questioning why they seem to be targeted only at the top earners, rather than trying to encourage those who do not pay higher rate tax.
Pensions Summit Presentation Outlining Compensation Proposals
Presentation given at the aPensions Summit’ at House of Commons on 4th November 2003, explaining why and how Government should compensate members of employer final salary schemes who have lost their pensions on insolvency.
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.
Beyond Tax Relief
An article that describes moving away from tax relief towards a better savings incentive system – giving higher and fairer incentives to most people.
Comments on Sandler Review
An analysis of the Sandler Review of Retail Savings in the UK – assessment of its merits and deficiencies.
How Pension Tax Relief Benefits The Better Off
These are two slides which demonstrate examples of the regressive effect of tax relief on pensions and possible contribution to inequality of wealth among the elderly.
Reform of Policy to Encourage Savings
Recommendations for changes in policy to encourage savings through the lifecycle.