BBC website published Ros's views on reform of occupational pensions
Article published on BBC website discussing the crisis in UK occupational pension provision, problems faced by employers and members and recommendations for radical reforms.
DC pensions issues being overlooked as trustees focus on sorting out DB
Article published in Financial Times FTfm November 2005 discussing concerns about a agovernance gap’ in UK occupational pensions, as trustees and the industry seem to be focussing primarily on sorting out problems of defined benefit schemes, while not paying enough attention to the needs of new defined contribution arrangements.
Global Pensions article giving Ros's on the risk-based PPF levy
Article published in Global Pensions explaining that Ros considers having a PPF essential and the risk-based levy is a sensible proposal.
FT letter final salary pensions confidence trick July 2005
Letter published in the Financial Times on 7th July 2005, outlining why UK Government pension policy is responsible for lulling members of final salary schemes into a false sense of security, which allowed employers to get away with making pension promises which they could not afford. This is the fault of Government failure to tell members the truth, rather than malicious employer actions.
Financial Adviser feature on future of UK occupational pensions
Feature published in Financial Adviser magazine, outlining Ros’s views on the future for occupational pension provision in the UK, movement away from final salary schemes and role of financial advisers to help make defined contribution provision work better.
DC Scheme Governance – trustee based or contract based. – NAPF Meeting
Presentation given at NAPF meeting in London to discuss pension scheme governance for defined contribution pension funds, considering trustee based, versus contract based models.
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!
Press Release welcoming NAPF support for improved FAS
Press release welcoming NAPF’s open letter to the Secretary of State for Work and Pensions, supporting Ros’s calculations of inadequacy of the Financial Assistance Scheme and fears for the future of the Pension Protection Fund.
Letter commenting on pension burdens faced by UK employers
Letter published in Employee Benefits Magazine explaining why employers have been asked to shoulder too much of the pensions burden and that the ‘standard’ two-thirds final salary pension has become unaffordable for most people.
Financial Adviser feature on structuring investment options for money purchase pensions
Feature article published in Financial Adviser, October 2004, outlining Ros’s suggestions for structuring investment options for money purchase and stakeholder pensions, with sensible default options.