What could be NISA – using ISAs to fund future care
Ros welcomes the Budget changes for ISA savings and calls on the Chancellor to use ISAs to incentivise saving for social care – perhaps allowing such savings free of inheritance tax.
Budget 2014 – Ros' Wishlist granted! End of forced annuities
Ros welcomes the revolution announced in the Budget for pensions and savings, with increased flexibility for ISAs and more pension savings taken as cash – she has called for these changes for many years.
Wishlist for 2014 Budget
Ros issues her wishlist for the Chancellor’s Budget, calling for relief for savers, more flexibility for pensions and savings and no more meddling with pension restrictions.
ABI promises to improve annuity selling – too slow!
Ros discusses the latest release from the Association of British Insurers which outlines ways in which it proposes to improve its practices for selling annuities. She believes the media pressure has had an impact but the measures being promised are inadequate and being introduced too slowly anyway.
Five years on – the verdict on QE and low rates
Ros wrote a review of the impact QE and ultra low interest rates as the five year anniversary of these policies arrives. She highlights powerful winners and many losers with large risks looming on the long-term as rates have stayed too low for too long.
QE five years on – rejoice or despair?
Five years on from the start of QE and ultra low interest rates, Ros outlines ten reasons for some to rejoice and ten reasons for others to despair
Polish pension confiscation – how safe are private pensions?
Ros highlights how little fuss there seems to have been that private pension assets are being confiscated by Governments as economic conditions become tough and asks whether safeguards may be needed for private pensions
FCA Annuities Review – confirms market failure
Ros reacts to the release of the findings of the FCA’s Thematic Review of annuities which confirms market failure but fails to implement swift reform
Looking forward to FCA Annuities review findings
Ros previews the FCAs forthcoming Annuities review findings and calls for urgent action to address the evidence failings
Low rates bonanza for mortgage borrowers is great income boost
Description: Ros analyses the latest Bank of England statistics and calculates how much extra income a borrower with a £100,000 mortgage is enjoying since 2008 as a result of low rates and how much income savers are losing over the same period