Click here to view Published Papers Parliamentary Monitor 'vox pop' on Alistair Darling's first budget Ros gives her views for Parliamentary Monitor on what might be expected in Alistair Darling's maiden budget speech. FTfm 'Feedback' column, why BT trustees should not just switch from equities to long bonds Article published in FTfm explaining why suggestions that BT's pension fund accounting problems and long-term asset-liability mismatch will not be solved by switching from equities to bonds. More radical and broader thinking is required. Financial Adviser 'Time to Listen to Some Reason' Article commissioned by Financial Adviser magazine describing the Victory for the Pensions Action Group in the Court of Appeal and explaining why the Government's consideration of appealing further to the House of Lords is a waste of time and taxpayer's money. Saga article about victory in Judicial Review Court of Appeal case Article written for Saga website describing the victory in the Court of Appeal and the Government's humiliating defeat which saw its appeal against the High Court Judicial Review verdict dismissed. House Magazine article 'Hard luck and promises' about successful Parliamentary campaign Article published in the House Magazine (Parliamentary Weekly) explaining some of the anguish involved and lessons learned in battling on behalf of the impoverished members of failed company pension schemes. Daily Mail 'Monday Column' – Mervyn King must be re-elected Ros wrote her personal view for Daily Mail expressing support for Mervyn King to be re-elected as Governor of Bank of England. Letter published in FT on personal accounts reform Letter published in Financial Times explaining why the proposed Personal Accounts pension reforms are dangerous for lower earners and the interaction with means testing must be properly addressed now. Money Marketing article about Northern Rock and FAS Article written for Money Marketing explaining how the Government's refusal to offer fair compensation to victims of pension scheme wind-ups is impossible to sustain after its decision to bail out Northern Rock savers 100% at a cost of billions of pounds of taxpayers' money. Article for Public Service Review on Liability Driven investing (LDI) Article published in Public Service Review explaining that LDI is all about understanding and managing risk, not just about switching from equities to bonds. Daily Mail article outlining injustices of Government policy Article published in Daily Mail on 24 September 2007 explaining why the lack of compensation for pension victims is indefensible after the hurried bail-out of Northern Rock depositors. Money Marketing article on double standards of Northern Rock rescue Article published in Money Marketing magazine explaining the injustices of bailing out Northern Rock savers 100% while offering pension savers far less security. Saga website – introduction to SIPPs Article for Saga website explaining the basics about Self Invested Personal Pensions (SIPPs). Impact of recent market turbulence on pensions Ros' comments on how the recent turbulence in credit and equity markets is likely to affect pensions, both final salary and money purchase. Saga website – update on Pensions Action Group campaign Article for Saga website updating members on the latest developments in the campaign for compensation for those who lost their pensions when their final salary scheme failed. Saga website – Introduction to annuities Article written for Saga website, explaining the basics of annuities and factors to think about before buying. Come on Gordon – sort out this mess Lead comment published in Sunday Telegraph as an open letter calling on Gordon Brown to end the suffering of the victims of scheme wind-ups by adopting the amendments recently passed in the House of Lords. Reform of Public Sector pensions Article written for Public Servant magazine outlining some expected developments in the public sector pensions debate. Ros Witness Statement for Second Judicial Review Ros' Witness Statement submitted to the High Court in support of the application for a Second Judicial Review. The case for expedition and the suffering that is being left unaddressed is highlighted. Briefing for Peers ahead of Lords vote on compensation amendments Briefing sent by Ros to members of the House of Lords to help them understand the proposed amendments to Clause 18 of the Pensions Bill calling for the FAS to be increased to PPF levels and paid immediately. Saga website – different types of annuity you can buy Article for Saga website explaining the different types of annuities available. House of Commons to vote on amendments to Pensions Bill Release expressing hopes that Government will be defeated in the Commons vote on providing fair and quick compensation for those who have lost their pensions, via cross-party amendments to the Pensions Bill. The Cold, naked truth – Budget announcements more spin Article published in Financial Adviser which explains that the recently announced extension to the Financial Assistance Scheme is not worth £8bn at all, but the real cost of the FAS is just £1.9bn, which will be further reduced once tax and benefits are accounted for. The Chancellor had an opportunity to provide a fair solution but opted for more spin instead. Money Marketing feature on ‘The Muddled Maths’ of the Chancellor on FAS Article published in Money Marketing explaining why the extension to the FAS that the Chancellor announced in the Budget was not all it appears to be and will not deliver a fair solution at all. PMI Opinion Piece on Judicial Review verdict against Government Opinion Piece published in PMI Magazine explaining that the Government has been found guilty in the Judicial Review and asking PMI members to support the Parliamentary moves for compensation. Global Pensions magazine article on Judicial Review verdict Article published by Global Pensions Magazine explaining that the Government has been found guilty of behaving unlawfully and irrationally when rejecting the Parliamentary Ombudsman’s report and refusing to accept maladministration.. Professional Pensions article on Judicial Review verdict Article published in Professional Pensions magazine explaining that the Government has been found guilty in the Judicial Review. House Magazine article – ‘If I was in charge of pension reform…' Article published in the House Magazine explaining what Ros would like to do if she were in charge of pension reform! Letter explaining injustices of deemed buyback Letter written to Professional Pensions magazine explaining why deemed buyback is not working and that members cannot get any advice to understand what they need to do. If they have AVC’s these are confiscated if they choose deemed buyback. Understanding and managing pension fund risk Letter published in Global Pensions magazine explaining why pension fund trustees should not necessarily be switching to bonds and that searching for asymmetric returns and using alternative assets and derivatives can improve portfolio efficiency. Financial Adviser feature on the proposed new personal pension accounts Feature explaining why Ros thinks the proposed personal accounts should not be introduced and that they are likely to worsen pension provision in the UK – and also may lead to pensions being bought by those for whom they are not suitable. FT letter on the injustice of unfunded public sector pensions being contracted out Letter published in the Financial Times explaining that unfunded public sector pensions are contracted out of the national insurance system and that this is economically nonsensical, merely allowing public sector workers and employers to pay lower national insurance and passing the costs onto future taxpayers. Financial Adviser feature discussing expected Government pension proposals Feature article written for Financial Adviser assessing the expected pension reforms to be announced in the Queen’s speech in Parliament. 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 crisis – it’s real and getting worse Foreword published in ‘The Pensions Report’ in October 2006, explaining the results of a the comprehensive survey of investor and provider attitudes to pension provision in the UK, highlighting that trust and confidence in pensions have been destroyed in recent years. PMI Soapbox – please support compensation for wind-up victims Article published in Pensions Management Institute (PMI) magazine, calling for the pensions industry to support the campaign for compensation for those affected by wind-up. What’s wrong with the White Paper? Article published in Parliamentary Monitor magazine explaining why the latest round of pension reforms will definitely not be the last. Government’s pension White Paper not good enough Article published in ‘Parliamentary Brief’ (Volume 10, No. 10), explaining the background to the UKs pension problems and why the latest White Paper reform proposals will not provide a sustainable solution. Let’s rip it up and start again’ - Critique of Government’s White Paper reforms Article published in Financial Adviser explaining why the Government’s White Paper pension reforms do not go far enough, leaving the system still in need of a radical overhaul. Examples of how loss of final salary pension on wind-up has devastated people’s lives Article published in Sunday Telegraph explaining why the Chancellor’s pensions policies could destroy our once-thriving UK pension system. New investment thinking for trustees Article published in ‘Trustee newsletter’ Volume 2, Issue 3, explaining that pension fund trustees need to focus on risk as well as returns in their investment portfolios. Demographic dangers for growth - Sunday Telegraph Article published in the Sunday Telegraph, explaining how the Chancellor, Gordon Brown, has squandered the benefits of favourable demographic trends and is leaving the next administration to cope with the economic dangers of ‘demographic drag’. Money Marketing article on fight for compensation Article published in Money Marketing magazine, on 2nd August 2006, highlighting the various pressures on Government to comply with the Parliamentary Ombudsman report and also the European Court ruling, calling for full compensation for those who have lost their pensions. Open Letter to John Hutton published in Daily Telegraph – How do you sleep at night? Open letter to Secretary of State for Work and Pensions, John Hutton, pointing out the errors in his evidence to the Public Administration Select Committee and criticising the Government’s heartless and shameful treatment of the victims of pension scheme wind-ups. Financial Adviser comment – scandalous attempts by Government to deny occupational pension policy errors Article published in Financial Adviser giving criticising the Government’s attempts to squirm out of taking responsibility for occupational pensions policy errors, despite the Parliamentary Ombudsman’s report showing its guilt in this affair. Concerns about USS pension fund Letter published in Financial Times following John Plender’s article about the decision by Universities Superannuation Scheme to leave employer contributions unchanged, despite large deficit and suggesting that asset allocation can help overcome deficits. Letter to Professional Pensions calling on Government compensate victims of scheme wind-ups Letter published in Professional Pensions magazine, calling on the Government to compensate victims of scheme wind-ups urgently. FT Trustee summer school – Trustee investment duties Article published in FTfm for their Trustee Summer School examining the demands for Trustee Knowledge and Understanding (TKU) of investment issues and using modern techniques to replace the traditional hopeful ‘punt’ on equities and bonds. FT letter talking about difference between funding and solvency standard Letter published by the FT on 12th April 2006, explaining that members were led to believe their pensions were risk-free and that they were funded for 'solvency', when they were really only subject to a 'minimal' funding standard which proved hopelessly inadequate, but they were never warned of the risks. Daily Mail ‘Monday View’ column – Ministers’ great pensions betrayal Article published by Daily Mail explaining how the Government’s rejection of the Parliamentary Ombudsman report has betrayed the nation and undermined pensions confidence still further. Article in ‘Public Servant’ Journal ‘ New Thinking on Pensions’ Article published in ‘Public Servant’ Magazine, discussing the future for UK pensions, trends in occupational pension schemes and flexible retirement policies of the future. House Magazine ‘Assurances that final salary pensions will be protected by legislation are threadbare – forked tongues on funds’ Article published in the Commons ‘House Magazine’ explaining how, despite Government assurances to the contrary, final salary pensions were not properly protected by legislation and how the Government’s rejection of the Parliamentary Ombudsman report is unsustainable. Pension wind-ups scandal worse than Maxwell Professional Pensions piece published on 23rd March 2006, outlining Ros’ views of the Parliamentary Ombudsman report and Government’s rejection of it. Explains why this situation is worse than the Maxwell scandal. Money Marketing article – restoring confidence in pensions Article printed in Money Marketing asking how Government can hope to restore confidence in pensions, if it ignores the Parliamentary Ombudsman report and refuses to acknowledge its mistakes in handling final salary pensions. Money Marketing article on the effects of pension tax reform ‘A-day’ Comment published in Money Marketing outlining Ros’ expectations of the tax reforms for pensions introduced on 6th April 2006. FTfm article on swaps and liability matching Article published in FTfm comment section explaining why pension funds may be able to better match their liabilities by using swaps and derivatives, rather than just switching to bonds. FT letter discussing why switching to bonds is likely to prove unwise for pension funds with large deficits Letter published by Financial Times explaining why switching to bonds will be unlikely to cure pension fund problems and could make them worse, whereas considering swaps may be a better alternative. Reforming state pensions is affordable if existing spending is reallocated more wisely Op-ed piece published in Financial Times advocating radical reform of state pensions. Ros explains why muddled thinking on pensions is preventing an affordable reform programme which could put pension policy on a sustainable path for the 21st Century, but some of the existing spending needs to be reallocated. Article to be published in Pensions World magazine outlining women’s pension reform Article to be published in Pensions World magazine, explaining why women’s pensions need to be reformed urgently and how the system currently discriminates against women. Letter published in the FT asking why employers should be compelled to contribute to their employees’ pensions Letter published in the Financial Times suggesting that there is no intellectual case for compelling employers to contribute to pensions, that this is simply a form of taxation and that pension contributions should really be up to the individual. Comments on proposals of Pensions Commission Second Report Article prepared for Financial Adviser giving Ros’s reaction to the pension reform proposals contained in the Pensions Commission final report. 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 ‘governance 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. 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. Daily Mail article ‘Women deserve pension equality’ Article published in Daily Mail Monday View column on 3rd October 2005, outlining why women in the UK are treated as second class citizens in pension terms and that urgent radical reform is required to deal with this. Trying to Retire in a Man’s World Article published in Financial Adviser explaining the unfairness of women’s pensions and why reform is long overdue. Global Pensions article outlining injustices of women’s pensions Article written for Global Pensions magazine, explaining why women lose out in our pension system and examining the reforms which are needed. Contracting-out has failed Article published in Financial Adviser on 8th Sepetmber 2005, following the FSA study of contracting out, demonstrating that this has provided poor value and explaining Ros’s view that contracting out should be abolished as part of radical pension reforms in the UK. 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. Pension funds using hedge fund investments
Article published in UBS Wealth Management magazine explaining some of the weaknesses of the lifecycle approach to investing and the need for diversification in investor portfolios. 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.
Feature article published in Daily Mail on pension reform
Feature article published in Daily Mail on 31st May 2005, explaining why Ros believes UK pension policy is in a muddle and her proposals for radical and sustainable reforms, to help overcome the crisis which we face in pension provision in this country.
FT comment piece on pension reform
Feature Comment piece published in the Financial Times on 16thMay 2005, explaining Ros's views on what has gone wrong with our pension system and her proposals for radical pension reform.
Article for Engaged Investor on FAS inadequacies Article published in 'Engaged Investor' explaining why Government announcements on the Financial Assistance Scheme do not remedy the injustices suffered by wind-up victims.
Global Pensions article on PPF Article published in Global Pensions, explaining the benefits of having the Pension Protection Fund.
Response to Government consultation on FAS regulations Ros's response to the DWP consultation paper on regulations for the Financial Assistance Scheme - explaining why it is hopelessly inadequate.
FTfm opinion piece on need for including Opinion piece published in Financial Times FTfm supplement, arguing that pension fund trustees need to consider diversified range of investments, not just equities and bonds and that switching from equities to bonds, if funds are in deficit, may be the least efficient way of reducing risk.
Professional Pensions column on urgent post-election pension reforms Article published in Professional Pensions in April 2005, outlining Ros's views of urgent pension reforms required after the General Election.
Letter on gradual retirement Letter written to Financial Times explaining why encouraging gradual retirement is a key element of pension reforms.
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.
Pensions Week article on unfairness of FAS announcements Article published in Pensions Week explaining why the Government proposed Financial Assistance Scheme is wholly inadequate and expressing the hope that the Parliamentary Ombudsman investigation will prove Government maladministration means the need for compensation, rather than assistance for wind-up victims.
FT letter on economics of pensions and risk Letter published in Financial Times in March 2005 commenting on article by Joseph Stiglitz on US pension policy. The letter suggests that transferring costs of pensions from state to private sector does not make the risks disappear.
Financial Adviser feature on Financial Assistance Scheme Feature article published in Financial Adviser explaining why the Financial Assistance Scheme is inadequate and outlining hopes for the Parliamentary Ombudsman inquiry to rectify the injustices suffered by victims of pension scheme wind-ups.
Pension Reform in 2005/6 Article published in 'Pensions and Investments UK', discussing implications of planned pension reforms for occupational and personal pensions in 2005/2006. Impact on investment of pension fund assets, trustees of occupational schemes and the new tax regime for contributions.
Moving Pension Thinking into 21st Century Article published in 'Money is Changing' Special Report on Financial Services Marketing, published by Dig for Fire. The article examines the need to re-think retirement, reform state pensions and encourage longer working lives, to move pension thinking into the 21st Century.
The Times letter urging compensation for wind-up victims Letter published in The Times, praising Patience Wheatcroft's sympathy for the plight of victims of pension scheme wind-ups and the urgency of Government compensation.
LIMERICK about FSA 'guarantees' Personal View column published in Financial Times, explaining why the stakeholder savings initiatives have not worked and are unlikely to do so. The target market is not benefiting and providers are not keen to offer these products.
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!
Balancing a Portfolio over a Lifetime Article published in UBS Wealth Management magazine explaining some of the weaknesses of the lifecycle approach to investing and the need for diversification in investor portfolios.
Article in The Times on Financial Assistance Scheme empty promises Article published in the Times explaining why the Financial Assistance Scheme may sound good, but it is not able to deliver meaningful help to the majority of victims of pension wind-ups and calling for proper compensation to be paid.
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.
FT letter on US pension reform proposals Letter published in Financial Times pointing out parallels between Bush pension reform proposals and UK pension policies over the past 20 years which have contributed to our pensions crisis.
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.
FTfm
article on recent hedge fund performance Article published in FTfm, discussing the recent performance of hedge funds and what this implies for the future. Article
for Daily Express on Pension Reform Proposals Article published in Daily Express, outlining Ros’s proposals for pension reform. 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. Telegraph
article on how pension reform affects you Article published in Daily Telegraph on October 9th 2004, discussing the effect of the 2004 Pension Reforms by the Inland Revenue. It argues that these reforms could change the entire nature of pensions in future, turning them into a short term exercise for those on higher rate tax. DWP
figures for wind-up victims Press release discussing of figures released by the DWP, showing its estimates of numbers of people potentially eligible for the Financial Assistance Scheme. Why
are many SME’s not providing pensions? Press release highlighting the implications of the findings of research by the Pensions Institute, explaining why smaller companies are no longer keen to provide pensions. Is
compulsion a sensible way forward? Press Release explaining why Ros does not believe compulsion is the best policy option to adopt, in order to encourage pensions. 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. Strategic
asset allocation for pension funds Article published in ‘FTfm in September 2004 outlining the differences in strategic asset allocation aims between defined benefit and defined contribution schemes and the issues trustees should be considering. When
the FSA says ‘guarantee’ 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. Government
failed to listen to Actuaries' warnings, must now compensate Article published in ‘The Actuary’ magazine, entitled ‘The Truth about Pensions’ explaining how the Treasury failed to listen to the Actuaries’ warnings about pension scheme wind-ups in 2000 and why compensation from the Government is essential in order to restore confidence in pensions. Rethinking
Retirement Article published in ‘The Tomorrow Bulletin’ discussing the Tomorrow Project report ‘Opportunity of a Lifetime’ and setting out Ros’s proposals for radically rethinking the concept of retirement and introducing a lifetime savings framework. Hedge
fund investing for institutions to become mainstream Article published in the Alternative Institutional Investment Review, July 2004, explaining why Ros believes hedge fund investing will become mainstream and institutions will come to realise that including hedge fund investments can reduce portfolio risk and improve overall portfolio efficiency for long term investors. Press
release discussing problems for members of Turner and Newell pension
scheme Press release discussing the problems for T & N pension scheme members and the inadequacy of the Government’s £400 million Financial Assistance Scheme. 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. 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. Trustee
Responsibilities Article published in Financial News in June 2004, examining responsibilities of trustees in both defined benefit and defined contribution schemes. Letter
explaining my role in the campaign for compensation Letter published in Money Marketing magazine in June 2004, explaining why I believe that Government must compensate and my role in helping pro-bono, not as any kind or paid lobbyist. FT
‘Personal View’ article questioning the inadequacy of
Government policy to encourage savings Article commissioned by Financial Times for ‘Personal 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
and Compensation article Article published in Public Service Review: Finance, Summer 2004, arguing the case for compensation for those who have suffered the injustice of losing their company pension on scheme wind-up. 'New Thinking on Pensions', Public Servant, April 2006 'Support for Compensation', Pensions Management Institute, July 2004 'Rethinking Retirement', published in 'The Tomorrow Bulletin', July 2004 'Hedge fund investing to become mainstream', Alternative Institutional Investment Review' July 2004 'Compensation Essential for wind-up victims', Public Service Review: Finance, Summer 2004 'Including hedge funds in Institutional Portfolios', Public Service Review Journal, Autumn 2003 'Government Savings Policy' published in Consumer Policy Review, July 2003 'Encouraging Savings Through the Life-Cycle', Journal of Financial Services Marketing, Issue 7/4, 2003 'What has happened to our pensions?' published in Parliamentary Monitor, June 2003 'Beyond Tax Relief', Chapter 3 in W Paxton (ed) 'A Wealthy Society? Progressive and Coherence Asset-Based Welfare' IPPR London 2003 forthcoming 'Gradual Retirement' published in 'Pension Funds and Their Advisers, March 2003 'Modelling Changes to Pensions Tax Relief' published by Aberdeen Asset Management, February 2003 ‘Let’s
Get DC Right Before It’s Too Late’, Journal of Pensions
Management, Volume 7, Number 1, September 2001.
‘An
Analysis of Occupational Pensions in Britain’, Applied Economics
Journal, 1982.
‘Incomes
of the Early Retired’, Journal of Social Policy, April 1982.
‘State
Pensions, Taxation and Retirement Income’ with A.B. Atkinson,
published in ‘Retirement Policy – The Next Fifty Years’ (Ed.
M. Fogarty) 1982.
‘Take-Up
of Supplementary Benefit by Male Pensioners’, SSRC Research
Programme on Taxation, Incentives and Distribution of Income,
Discussion Paper 25, 1981.
‘Occupational
Pensions In Britain’, NBER Summer Institute Paper No. 80-1,
December 1980.
Ph.D.
THESIS: Funded by Social Science Research Council. Also published many articles and interviews in press, journals and industry magazines, including Pensions World, Wall Street Journal, Professional Investor, Global Finance, Institutional Investor.
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