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Planning for
Retirement – You're on your
own Ros was commissioned to write an independent report on the problems facing individuals who are trying to plan for their retirement. She covers the history of our pension system, the risks of relying too heavily on the stock market to deliver good pensions and discusses some of the misconceptions of pension planning. Do you know the difference between a pension fund and a pension? Do you know what options are available on retirement? Can you afford to gamble your future security? All these questions are touched on in the report. Copies of the report are available at www.metlife.com/rp
Is lifestyling fit
for purpose for people's
pensions? Corporate Adviser asked for Ros' comments on whether lifestyling products are suitable for pension investors who do not have an adviser.
CII Thinkpiece on
personal accounts and annuities
advice Article published by Chartered Insurance Institute (CII) giving Ros' views on why generic advice for personal accounts will not work, but it could be very helpful for annuities.
Saga
website – Introduction to
annuities Article written for Saga website, explaining the basics of annuities and factors to think about before buying.
Saga website –
different types of annuity you can
buy Article for Saga website explaining the different types of annuities available.
Feature article on annuities for
Corporate Adviser magazine Article published in Corporate Adviser magazine, discussing some of the shortcomings of the current annuity market and how ineffective the open market option is in practice.
Pensions Management article on trustees
and annuity reform Article published in Pensions Management outlining problems of annuity purchase and urgent reforms required to make open market option work better. Also warning trustees of defined contribution schemes to take care to ensure appropriate annuities are purchased for members.
Why winding-up schemes should not buy
bulk annuities Note prepared for DWP explaining why assets of occupational schemes in wind-up should not be used to buy annuities, but should be pooled, as will be the case for the PPF, to minimise costs of assistance and maximise potential pensions for victims.
Cost of
Annuities Figures showing how much it might cost to buy an annuity of £10,000 per year.
The Future of Annuities Powerpoint presentation outlining future issues for annuities presented at Journal of Pension Economics Panel Session, November 2002.
Possible Taxation Implications Of
Lifetime Capital Protection For
Annuities Discussion of taxation implications of money back guarantees for annuities.
The Open Market Option Discussion of points relevant to Open Market Option for annuities.
Annuity Reform
Proposals This article appeared in ‘Financial Adviser’ in April 2002, discussing Dr. Altmann's proposals for reform of annuities – to try to ensure that those with moderate or smaller capital sums still are able to obtain good value from their annuity.
Response to ‘Modernising
Annuities’ Consultation
Document This is the response which Dr. Altmann submitted to the Inland Revenue’s ‘Modernising Annuities’ consultation in March 2002.
'Money Back Guarantees'
for Annuities
Comparative
Rates Illustration of differential in annuity rates in the market place.
Fairer Pensions for
All Note describing problems and possible solutions to problems of annuity market.
Modernising
Annuities - What can we do? Discussion of proposals to ensure everyone who buys an annuity can get the right annuity at the right rate. |
