Pension reform

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Pension Freedom Day is great news for pensions – here’s what you need to know
7 April 2015
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Ros has written a blog telling you what you need to know about the latest pension reforms


Ros explains the new pension reforms on BBC News Channel new!
6 April 2015
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Ros was intereviewed on pension freedom day and explains what people with pension savings need to know


Pension Freedom Day – a real revolution for pensions new!
6 April 2015
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Ros explains her thoughts on the new pension freedoms that start on 6 April 2015 and what people need to consider in connection with their pension savings


Sunday Times: Why I believe the pension reforms are right new!
2 April 2015
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Ros wrote a piece for the Sunday Times explaining why she welcomes the new pension freedoms and how they will benefit ordinary pension savers


New Statesman – pension reforms explained new!
April 2015
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Ros wrote an article for the New Statesman, explaining the new pension freedoms


Cutting pensions lifetime allowance is wrong policy new!
19 March 2015
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The Shropshire Star featured Ros’ views on the unfairness of cutting the lifetime pensions allowance


The new pension rules – consumer perspective new!
12 March 2015
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Ros gave a speech at an Engage Insight forum talking about the consumer perspective of the new pension freedoms and what pension savers, advisers and providers should be thinking about


Pension Reform – Challenges and Opportunities
4 March 2015
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Ros gave a presentation at the Distribution Technology conference explaining the challenges and opportunities of the new pension reforms


MoneyObserver - Customers need proper protection as well as the new guidance – second line of defence
29 December 2014
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Most people don’t know enough to make good pension decisions
16 Janaury 2015
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The Herald newspaper explains why many people do not have sufficient financial information or education to be able to make good pension decisions


Moneywise: 5 essentials of pension planning for 2015
13 January 2015
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Ros outlines the five essential points to consider when planning for the new pension regime after April 2015


Pension freedoms will start in April 2015 – or will they?
2 February 2015
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Ros wrote a blog for MoneyObserver expressing her concerns about pension firms not permitting their customers to benefit from the freedoms they should be able to have in april 2015


The new pensions landscape – great for pensions and advice
29 January 2015
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Ros gave a speech at an Openwork conference explaining why the pension reforms are a fantastic opportunity for financial advisers and make pensions so much more attractive


Ros on an FT podcast, welcoming extra protection for pension customers in second line of defence
28 January 2015
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Ros was interviewed by the Financial Times, welcoming the government’s decision to ensure that pension providers must ask customers about their circumstances and offer some risk warnings before selling them at retirement products or allowing them to withdraw their money


Pension freedoms – make sure we help customers properly
14 January 2015
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This is a recording of the presentation Ros gave of consumer research showing how little people understand about pensions and highlighting the need for better education, information and guidance. The Research was supported by Partnership, Just Retirement, EY, Key Retirement Solutions, LV= and produced by ILC-UK


What do consumers want and need in pension freedom?
14 January 2015
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Ros gave a speech at the presentation of consumer research showing how little people understand about pensions and highlighting the need for better education, information and guidance. The Research was supported by Partnership, Just Retirement, EY, Key Retirement Solutions, LV= and produced by ILC-UK


Ros explains some of the changes to the state pension coming in April 2016
December 2014
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Ros explains changes to the state pension for the Governments ‘PensionTube’ website


What do customers want? Pension freedoms won’t work unless customers understand pensions
14 January 2015
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Ros gave a speech at the launch of the ILC UK research sponsored by major pension companies


Shocking lack of pensions knowledge especially among older women
14 January 2015
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Ros explains the results of a major new Survey and research report that highlight the woefully inadequate level of financial knowledge among the general public about pensions – with older women especially lacking an understanding of even the most basic terms


Guidance Guarantee to be called Pension wise – your money your choice
12 January 2015
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Ros highlights that there are still unanswered questions with the new Pensions Guidance service but it is good to see the name unveiled – it must now be promoted and marketed widely


BBC Radio4 Moneybox debate on cashing in annuities
10 January 2015
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Ros was interviewed on BBC Radio4 Moneybox discussing the pros and cons of enabling people to cash in or surrender their annuities if they wish to. You can listen to the debate here https://businesschampionforolderworkers.blog.gov.uk


What does 2015 have in store?
31 December 2014
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Ros looks forward to some important highlights for pensions in 2015


Times 'Thunderer': We must end these rip off fees
18 December 2014
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The Times published an article by Ros in the 'Thunderer' column calling for an end to rip-off pension charges


The future for pensions post-Budget
25 November 2014
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Ros gave a speech at a Compeer Conference, explaining her thoughts on what the Budget changes mean for penisons and the challenges for the pensions industry in future


Altmann welcomes rise in pension saving - StockMarketWire
31 October 2014
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StockMarketWire highlighted Ros' views on the latest Pension Trends figures showing a rise in pension scheme membership after many years of decline and explaining that auto-enrolment coupled with the new pension reforms should ensure large increases in pension scheme membership in future.


Private sector, women and self employed lag behind in pension coverage but auto enrolment has increased pension membership
30 October 2014
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Ros comments on the latest ONS Pension Trends figures which show a rise in membership of private pension schemes for the first time this century, but reveal a low rate of membership among the self employed and women in the private sector.


Which? Conversation: Why people should manage their own pensions
29 October 2014
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Which? Website carried Ros's views on why the latest pension reforms can be good for people, allowing them flexibility to make their pensions match their retirement needs better.


Pensions Expert comment - Pension freedom may hamper CDC
26 October 2014
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Ros wrote a Comment article for Financial Times Pensions Expert Magazine, explaining her views on collective pension schemes and how the new pension freedoms may make Collective Defined Contribution schemes less attractive.


Dr. Altmann's Pensions Clinic: Guidance will be important but not enough to protect customers
26 October 2014
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Ros wrote her fortnightly blog for MoneyObserver Magazine explaining why extra protection for consumers should be introduced by the FCA to ensure firms must ask relevant questions before selling them a product to try to assess basic suitability.


Retirement could turn into a nightmare for those who want to keep working
19 October 2014
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Ros was interviewed by the Mail on Sunday explaining the importance of championing older workers and also commenting on the latest pension reforms.


Use your pension like a bank account
14 October 2014
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Ros explains how the recent pension reforms could allow people to withdraw money from their pension funds in a flexible manner, rather like they might access their bank of building society accounts.


FT Expert Interview: Pension reforms should incentivise people to stay in pensions
14 October 2014
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Ros was interviewed by the Financial Times' Pensions Expert magazine and explains her views on the latest pension tax reforms.


New Model Adviser - Can MAS and FCA finally protect customers?
1 October 2014
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New Model Adviser reports on remarks made by Ros at a Fringe Meeting at the Tory Party Conference in which she suggests that the Money Advice Service has not served the public well on annuity information and calling on the FCA to protect customers properly.


Q&A - implications of abolishing 55% inherited pensions tax
30 September 2014
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Ros gives further thoughts on the implications of the decision to allow pensions to pass on tax free to future generations and answers some of the most common questions she was asked.


Post-budget outlook for pensions and retirement
30 September 2014
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Ros gave a presentation at the Social Market Foundation Fringe Meeting at the Tory Party Conference in Birmingham, explaining her thoughts on how pensions and retirement will be impacted by the latest pension reforms.


Yorkshire Post - Osborne helps increase all our pension pots
29 September 2014
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Yorkshire Post Comment article on how the abolition of the 55% inherited pensions tax has the potential to increase everyone's pensions.


Chancellor scraps 55% pensions 'death tax'
28 September 2014
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Ros welcomes the Chancellor's decision to scrap the 55% tax charge on inherited pensions, explaining that the 55% rate was particularly unfair on those who had only received basic rate tax relief. She points out that this decision will incentivise people to keep money in their pension funds for longer, that may help pay for care in later life too.


Best pensions go to graduates and public sector while women and low paid lose out
11 September 2014
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Ros comments on the latest pension statistics released by the Office for National Statistics which show that women and low paid workers are least likely to have pensions unless they are graduates or work in the public sector.


Pension firms at breaking point as systems can't cope
8 September 2014
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Ros comments on remarks from pension industry leaders that suggest UK pension firms can't cope with customers queries after the latest pension reforms.


FT Pensions Expert: Eight Building Blocks of the Guidance Guarantee
3 September 2014
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The Financial Times' Pensions Expert magazine published an article by Ros which outlines what scheme members should expect from the guidance guarantee, including the impact of tax, inflation, and the the cost of future care.


What must the Guidance Guarantee cover?
2 September 2014
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Ros explains the vital issues that need to be covered by the free national pensions guidance system that will start in April 2015.


What can widows do if they want a share of their husbands pension
August 2014
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Ros outlines some steps widows could take to help themselves if they are worried about how to share in their husband's pensions.


Flexibility for pensions - more details announced
20 July 2014
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Ros welcomes the Government's further details on the new rules for pension flexibility and explains what this means.


Transfers from Defined Benefit to Defined Contribution can help scheme funding
20 June 2014
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Ros responded to the Treasury consultation on allowing DB to DC transfers and why this can help scheme funding - as long as proper safeguards are put in place to protect both those who might want to transfer and those who remain in the scheme.


The changing face of retirement - DC Investment Forum
22 May 2014
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Ros gave a presentation to the Defined Contribution Investment Forum DCIF outlining the changes taking place in retirement and the new outlook for DC pensions in the UK


What Next for Annuities?
12 May 2014
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Ros explains why new annuity products are needed and the background to why Partnership needed to offer a new annuity product, which provides an enhanced annuity with a one year surrender option


Retirement Income Options - a consumer perspective
27 March 2014
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Ros gave a keynote speech at a WealthatWork Seminar in London, explaining the need for new thinking on retirement income options and making consumer interests a higher priority


Collective Defined Contribution - why is is right to allow CDC but beware of over-hyping benefits
1 June 2014
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Ros explains why the Government is right to permit the development of Collective DC schemes in the UK and explains their potential advantages and drawbacks. She highlights some of the risks, but they are better for employers than DB and likely to be better for members than pure DC


Money Marketing Live debate - why annuities needed to change
16 May 2014
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Ros took part in a Money Marketing Live Webcast debate on the Budget 2014 pension reforms and the changes to the annuity market that will result


The New World of Pensions - SEI/Engaged Investor/Pensions Insight
9 May 2014
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Ros gave a keynote speech for Pensions Insight/Engaged Investor Magazine at the SEI and Engaged Investor conference in the House of Commons. She explained some implications of the radical pension reform for future provision, for accumulation and decumulation products and expressed her concerns about unwinding of QE


Lessons for US from UK pension policy - flexibility for future retirement plans
1 May 2014
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Ros gave a presentation to US investors and plan sponsors outlining what has been happening to UK pensions policy, how it is becoming more flexible and moving towards possible 'hybrid' solutions rather than one-size-fits-all and pure DB or DC. She suggests ways to learn from some of our past mistakes


Pensions Revolution - The flexible future
24 April 2014
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Ros gave the keynote address at the Pension Pioneers Forum in London and explained her views about the new pensions landscape, with its implications for accumulation, decumulation, providers and trustees.


Should we change tax relief
24 April 2014
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Ros explains how tax relief works, comments on its unfairness but cautions against making changes without careful modelling


Give people the date they are expected to live to, not to die at!
17 April 2014
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Ros comments on the Government's idea to help people plan for retirement by telling them an expected date of death. This is more likely to put them off engaging in thinking about their later life finances that telling them how long they are expected to live - it's not just semantics, it's behavioural psychology.


Class 3A National Insurance pension contributions - good value?
2 April 2014
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Ros explains the Government's proposals to allow people to buy extra years of state pension with so-called Class 3A contributions


Ros' evidence to Treasury Select Committee highlighted in The Herald
2 April 2014
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The Herald, Scotland, highlights Ros' evidence to the Treasury Select Committee inquiry into the Budget pension changes where she expresses her belief that it is difficult to imagine average annuity rates worsening as a result of the change to compulsory annuitisation


What's gone wrong with the UK insurance industry?
28 March 2014
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Ros comments on the announcement by the Financial Conduct Authority that it will investigate old insurance policies sold between 1970 and 2000 to see if the charges and terms are fair to customers and she explains what has gone wrong with the insurance industry profit and sales models.


Pension charge cap announced at last
27 March 2014
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Ros welcomes the announcement of a cap on pension fund charges at 0.75%, ban on commission and Active Member Discounts and calls for reform of NEST charges to simplify the system.


Spectator blog - Ten things that have gone wrong in the UK insurance industry
30 March 2014
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The Spectator carried a blog from Ros outlining ten ways in which the UK insurance industry has been at fault and how it can change to better meet the needs of its customers.


CityAM lead comment: The pension revolution could restore Britains long-term savings culture
24 March 2014
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Ros wrote a lead article for CityAM explaining her belief that the measures in the 2014 could mark the start of a revival of Britain's long-term savings.


Times Thunderer : At last we will trust people with their own money
20 March 2014
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The Times published a Comment piece from Ros welcoming the new Budget measures that will allow people to choose what to do with their pensions.


Express - Osborne boosts savers and pensioners
20 March 2014
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The Daily Express carried a Comment piece from Ros welcoming the new freedoms for savers and pensioners.


Can the Chancellor's savings revolution deliver the Tories the next election?
20 March 2014
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Can the chancellor's savings revolution deliver the Conservatives the next election?


FT Comment - UK Budget 2014: A watershed moment for pensions and savings
19 March 2014
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Ros explains why the 2014 Budget measures are so significant for pensions and savings and will be both popular with the public and also bring in extra revenue for the Chancellor.


Budget 2014 - Ros' Wishlist granted! End of forced annuities
19 March 2014
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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.


Polish pension confiscation - how safe are private pensions?
22 February 2014
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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


DWP report on pension charges shows charge cap needed
18 Febraury 2014
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The DWP released a report on pension charges which indicates the need to introduce a cap to protect workers from high fees


Pension charges - Don't be lulled into a false sense of security
18th February 2014
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Ros explains why pension charges need to be capped, even though the latest auto-enrolment schemes seem to have lower fees. Workers in small firms need protecting if their employers cannot negotiate good terms.


Imperial College lecture - Solving the pensions crisis
17 February 2014
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Ros gave a talk at Imperial College outlining the background to the pensions crisis and suggesting some solutions


A pension system for the modern era - fantasy or reality
4 February 2014
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Ros gave a speech at the Connection Generations forum held by the Swiss Re Centre for Global dialogue and these are the slides she presented, calling for new thinking as people's lives have changed


Connecting Generations - A Pension System for the Modern Era - Fantasy or Reality'
4 February 2014
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Description: Ros spoke at a Swiss Re conference on modernising pension thinking, explaining why we need to rethink our lives and embrace a new phase of part-time working.


Dr. Altmann's Pensions Clinic on Money Observer - are pensions too expensive?
3 February 2014
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Description: Ros is writing a regular fortnightly column on for Money Observer magazine and website. Her first column explodes the myth that all pensions are too expensive and also picks up on one of the worst examples of unhelpful pensions jargon.


Pension charge cap delay is sensible
17 January 2014
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Steve Webb's announcement that a cap on pension fund charges will not be rushed through for April 2014 is welcome and sensible says Ros


Tax them, don't axe them - pensioner benefit reforms should not be done on the hoof
6 January 2014
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Ros comments on the political pressure to abolish or means test pensioner benefits and explains why a considered approach is important rather than knee-jerk reactions


Pensioner benefits should be taxed and streamlined
6 January 2014
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StockMarketWire highlights Ros' views on the debate about protecting pensioner benefits and triple lock for state pension


Defined Ambition pensions - consultation response
17 December 2013
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Ros responded to the DWPs' consultation on reshaping workplace pensions, explaining her views on the proposed Defined Ambition pension designs.


Response to DWP charges consultation
28 November 2013
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Ros submitted a response to the DWP consultation on pension fund charges


Obsession with pension charges is the wrong focus
28 November 2013
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Ros' views on pension charge caps were written up by Stock Market Wire and explain why Ros believes the obsession with driving down AMCs may have gone too far.


MetLife Report - Pensions: Time for change
31 October 2013
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Ros wrote a major report sponsored by MetLife Insurance which highlights what has gone wrong with UK Defined Contribution pensions and how they need to change to fit 21st century realities. Niether the accumulation nor decumulation products are fit for modern lifestyles.


Defined Ambition pensions are worth a try but unlikely to be hugely popular with employers
11 November 2013
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The Government's launch of its consultation on Defined Ambition pension schemes is an attempt to pass back some of the risk and cost of pensions onto employers, rather than leaving all the burden on members in DC schemes.


BBC Breakfast TV - Ros' advice on pension saving
23 October 2013
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Ros was on BBC Breakfast TV on 23 October explaining some of the important issues surrounding pension saving - including saving more and also considering working longer.


Yorkshire Post op-ed: Need joined up pensions policy to keep grey pound in the black
4 August 2013
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Ros wrote an opinion piece for the Yorkshire Post commenting on the findings of a National Audit Office report which highlighted that pensions policy falls under 17 different Government departments or public bodies. She calls for them to be brought together.


Need to protect the state pension
27 July 2013
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Ros wrote an article for Financial Times, Financial Adviser Magazine calling for proetction of the state pension for future pensioners


Let's have cohesive policy on retirement income
15 July 2013
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Article on Stock Market Wire website commenting on Ros' calls for cohesive policy on pensioner incomes.


Link to NAO report on Government interventions for retirement incomes
12 July 2013
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This is a link to the National Audit Office Official Report on lack of joined up policy with 17 Government departments or public bodies having some responsibility for different aspects of later life income.


We need joined-up policy for pensioners
12 July 2013
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Ros comments on the National Audit Office report highlighting how pensioner policy falls under too many different Government departments.


NEST curbs being lifted too slowly
10 July 2013
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Stock Market Wire published Ros' views welcoming the removal of NEST restrictions but regretting that it is happening so slowly.


Is pension reform working?
12 June 2013
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Ros gave a keynote presentation at the Money Marketing Retirement invitational on 12 June 2013 outlining her thoughts on whether current pension reform is working and will ensure increased coverage and adequacy for pensions.


Guardian comment - Should pensioners fear politicians' plans?
11 June 2013
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Ros wrote an article for Guardian Commentisfree discussing the recent suggestion by Ed Balls that Labour would include pensions in a spending cap. Here is a link to the article too.


Consumer perspectives on Retirement Income Options
10 May 2013
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Ros explains why older women are so confused about their state pensions - the whole reform agenda has caused serious problems for many women in their late 50s and Government must address this by providing everyone with clear information so they know what is happening.


Queen's Speech - what to watch out for on pensions
8 May 2013
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Press Release ahead of the Queen's Speech pointing out some of the important issues that need to be considered in the Government's proposed pension reforms.


Let's have a proper debate about pensioner benefits
2 May 2013
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Prudential highlights Ros' concerns that Government needs to address the whole issue of pensioner support in a joined-up way, not by attacking bits of benefits piecemeal.


Daily Express Comment - Stop pensioner bashing
1 May 2013
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Ros wrote a Comment article for the Daily Express calling on the Government to end its attacks on pensioner benefits.


Pensioners should not feel guilty about their entitlements
1 May 2013
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Ros wrote a comment article for the Yorkshire Post explaining that pensioners have worked hard and saved hard and should not be ashamed of receiving state pension entitlements.


Pensions World - failure of regulation could derail autoenrolment
26 April 2013
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Ros comments on the dangers for workers of the current regulatory gaps and calls for a better, simpler regulatory regime - just one for all pensions.


Workers need better protection in auto-enrolment
25 April 2013
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2013 - Ros' views were highlighted on StockMArketWire, explaining how workers are not properly protected against unfair charges and poor regulation in auto-enrolment.


Work and Pensions Select Committee calls for better regulation in auto-enrolment
24 April 2013
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Ros explains what we might expect from the White Paper announcing the flat-rate state pension reforms.


Ros on BBC Breakfast TV about state pension changes
23 April 2013
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Ros was on BBC Breakfast TV explaining the state pension age changes (Ros starts from 1 min 20secs into this clip).


Ros answers viewers questions on BBC Breakfast TV
23 April 2013
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Ros was interviewed on BBC Breakfast TV answering viewers state pension questions.


Victory for 80,000 women who will be included in new state pension
28 March 2013
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The Final Newsletter from the 'I'm one of the 80,000' campaign group welcoming the Government's decision to bring forward the introduction of the new single tier state pension to April 2016, therefore including all those women who face a second rise in state pension age


Victory for 85,000 women
18 March 2013
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Ros welcomes the Chancellor's announcement that the new single tier state pension will be introduced from april 2016 after all, not April 2017. This means all women who have had a second increase in state pension age will be included in the new system.


Ros comments on South Korean pensions in international context
8 February 2013
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Ros was interviewed on South Korean efm Radio Station's Primetime show explaining lessons that South Korea could learn from other countries in terms of pension reform


Why State Pension reform is welcome
14 January 2013
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CityAM published Ros' views on why the latest state pension reform proposals are broadly welcome


£144per week State Pension REform at last
13 January 2013
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Ros explains what we might expect from the White Paper announcing the flat-rate state pension reforms


Means testing pensioner benefits to fund Dilnot could make care crisis worse
3 January 2013
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Ros explains why CentreForum proposals by Paul Burstow to fund Dilnot reforms by means testing pensioner Winter Fuel Payments will not work. They risk making more pensioners worse off and needing care, since extending means testing will lead to lower savings


Citywire Westminster blog on 3 main parties pension policies
January 2013
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Ros wrote a blog for Citywire critiquing the pensions policies of Labour, LibDems and Tories and explaining how their policies reflect their political supporters


FT Financial Adviser Q&A with Ros A.
20 December 2012
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Ros was interviewed by FT publications Financial ADviser Magazine and asked about her views on all aspects of pensions policy.


Response to ONS consultation on improving rpi
29 November 2012
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Ros' response to ONS consultation on changes to the retail prices inflation index, to bring it into line with lower cpi.


DWP paper on Reinvigorating pensions doesn't go far enough
22 November 2012
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Ros comments on the latest DWP paper about reinvigorating pensions, and explains that defined ambition pensions need to define a different ambition - a capital sum, rather than an income perhaps.


Pensioners using income drawdown should be trusted with their own money
3 November 2012
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Ros wrote an article for the Mail on Sunday warning that the new rules for Income Drawdown have resulted in another pension scandal, with pensioners being deprived of their own money just because annuity rates - which they never wanted to be involved in - have fallen.


Bank of England's analysis of QE is flawed - its policies are not working
31 October 2012
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Ros submitted a paper to the Treasury Select Committee inquiry into the Bank of England's distributional analysis of its policies and concludes that its analysis has failed to analyse the distributional effects properly.


State Pension reform will have to retain the contributory principle
30 October 2012
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Ros wrote a blog for Citywire explaining that Steve Webb's pre-Coalition plans for a citizen's pensions have now been amended to retain the contributory principle for state pension reform which retains National Insurance.


Moneywise TV - Is it still worth saving in a pension
24 October 2012
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Ros' interview on Moneywise TV explaining the pitfalls for pension savers and the need to consider alternatives to saving only in the inflexible pension product


Citywire - Westminster view - LibDems idea to use pensions for younger people's housebuying
9 October 2012
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Ros wrote a blog for Citywire highlighting that the LibDems' suggestion of using older people's pensions to fund younger people's house purchase could jeopardize retirement security.


The Times Opinion Piece - Means-testing pensioner benefits is a step in the wrong direction
1 October 2012
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The Times published Ros' article on why means-testing pensioner benefits is not the right way to cut costs of paying to pensioners, taxing them or increasing age-of-entitlement would not penalize savers and would not mean means-testing millions of pensioners.


Pension problems need fixing
October 2012
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Ros wrote an article for Moneywise Magazine explaining why pensions need to be more flexible.


Plans to use pensions to for housebuying leaves pensioners at risk
27 September 2012
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Ros wrote an opinion piece in the Yorkshire Post which explains why Nick Clegg's proposal to use older people's pensions to fund younger relatives' house purchase is not a smart idea.


Means-testing pensioner benefits is wrong
25 September 2012
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Press Release explaining why Nick Clegg's proposals to means-test pensioner benefits would be wrong policy.


Is this the end of pensions?
8 September 2012
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Article published by 'This is Somerset' discussing Ros' views that pensions need a new image, more flexibility and perhaps also a new name, to help overcome reluctance to save.


Do pensions need a new name to be less scary?
8 September 2012
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Daily Express article discussing Ros' views that pensions need a new image, more flexibility and perhaps also a new name, to help overcome reluctance to save Express 8th Sept pensions need new name.


How can we make pensions more popular?
7 September 2012
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Evening Standard article outlining Ros' views on the need to make pensions more 'user-friendly' and promote the value of pensions.


Current state pension not fit for purpose - especially for women
21 August 2012
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Ros comments on latest figures from DWP showing a staggering £200 a week difference between state pension payments across the country - and explaining that the current system is unfair, especially as most of the with low pensions are women and with high pensions are men.


DWP delaying proposals for state pension reform
12 July 2012
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Ros comments on the announcement that Government proposals for reforming state pensions and increasing state pension age are being delayed from Spring 2012 to the Autumn. We do need to get the detail right, but reform is essential.


What will the White Paper on State Pension reform achieve?
5 July 2012
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Article from House Magazine previewing the forthcoming White Paper on state pension reform.


Looking forward to the White Paper on State Pension reform?
5 July 2012
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Ros wrote an article for House Magazine, outlining what we might expect to see in the Government's forthcoming reforms of the state pension.


Why pay pensioner benefits to well off pensioners?
1 July 2012
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Ros explains, in the Sunday Sun newspaper, why it is important to keep universal pensioner benefits, rather than moving to more means-testing.


~£140 a week - What will we see in the White Paper on State Pension reform?
15 June 2012
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Ros prepared a briefing paper which goes through many of the issues that are expected to be addressed by the forthcoming White Paper on State Pension reform, which is expected to propose a flat-rate state pension at £140 a week in 2010 prices (likely to be at least £160 a week by the time it starts)


Auto-enrolment may be missing a chance to revive long-term savings culture
24 May 2012
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Press Release highlighting Ros' comments at the CCW Pensions Lecture, in which she challenged the idea of auto-enrolment only into pensions and called for a broader definition of long-term savings for workplace incentives.


Challenges of providing for pensions and care in an aging population
21 May 2012
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Ros gave a presentation in the House of Commons to the LibDem Parliamentary Health and Social Care Committee outlining the challenges of funding pensions and care for our aging population.


Retirement should be a process not an event
14 May 2012
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Press Release commenting on latest research from ILC explaining the benefits to society of embracing our 'bonus years' which can be the solution to Rethinking Retirement.


The Pensions Crisis - financing an aging population
10 May 2012
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Ros gave a presentation to the Briefing Circle outlining her views on why we have a pensions crisis and new thinking that is required to finance our aging population.


The Pensions Crisis - Funding Old Age
3 May 2012
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Ros gave the CCW Pension Lecture explaining her views on the state of UK pensions and policy responses to funding our old age.


Defined Ambition pensions - a good aspiration!
May 2012
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Ros comments on Steve Webb's suggestions of introducing a new type of risk-sharing for employer pensions, a half-way house between DB and DC, but where the employer takes back some of the risks that have been passed to workers.


Pensions Need an Image Makeover
20 April 2012
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Press Release commenting on latest figures showing pension contributions and coverage falling sharply and ISAs more popular.


We're stuck in a time warp, must rethink pensions and retirement
11 April 2012
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Ros outlines her vision for a new phase of life, with people working longer but part time, as pensions have not delivered enough to support longer lives adequately.


Pensions crisis - paying for an aging population?
19 March 2012
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Ros gave a speech at the Rotary Club in London, explaining the need for new thinking to help fund increasing numbers of older people and help solve the pensions crisis


Work and Pensions Select Committee Report must be taken seriously
15 March 2012
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Ros highlights the recommendations of the Work and Pensions Commons Select Committee and calls for lifting restrictions on NEST, as well as state pension reform


Are pensions past their sell-by date?
26 January 2012
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Press release questioning whether pensions need to be re-branded and more flexible to ensure better retirement savings.


FT broadcast: Should the under 30s invest in pensions?
16 January 2012
read the article

Ros contributes to an FT webcast examining the relative merits of younger people investing in pensions or ISAs.


Providing for your own future
13 December 2011
view PowerPoint presentation (pdf, 233kb)

Ros gave a speech at the Eversheds Annual Pensions Conference in London, explaining that people cannot rely on others to deliver them decent pensions, they increasingly have to look after themselves.


Pensions Minister says pensions have an image problem!
21 November 2011
read the article

Ros interviewed Pensions Minister Steve Webb and he explained why he believes pensions have an 'image problem' and that he is determined to make a real difference for future pensions. He also acknowledges QE has hurt pensioners.


Pensions Minister 'Webb-Chat', Ros interviews Steve Webb
8 November 2011
read the article

A Saga 'Webb-Chat' with Ros interviewing Pensions Minister Steve Webb about his time in office, his achievements so far and hopes for future policy.


Transcript of Ros speech on reforming state pensions and retirement
1 November 2011
read the article

This is the transcript of Ros' session at the Westminster Employment Forum conference on Pension Reform.


Access to pension fund money would ensure more people contributing
21 September 2011
read the article

Ros' ideas on allowing people access only to their own contributions, but not employer contributions or tax relief are supported by the FT.


Telegraph support for early pension access
21 September 2011
read the article

Ros' ideas for allowing people access to their pension fund, so they can, if they need to, withdraw their own contributions (but not employer contributions or tax relief). This would encourage far more people to contribute in the first place, while also ensuring they do have some pension fund building up.


Raising state pension age to 67?
12 September 2011
read the article

Ros comments on remarks by Iain Duncan Smith, Secretary of State for Work and Pensions, which suggest that Government is considering bringing forward the increase in state pension to 67 by 2026. This could allow a slower timetable for increasing to 66, giving fairer notice.


Five Radical Ideas to Solve the Pensions Crisis
7 July 2011
read the article

Moneywise Magazine article highlighting Ros' ideas for solving the pensions crisis.


State Pension reform - it must be option 2 - flat rate state pension
27 June 2011
read the article

Ros calls for Government to implement Option 2 of its consultation proposals to reform state pensions - a flat-rate simple state pension paying £140 a week to all those with a full contribution record.


Briefing for MPs on proposed state pension age rises
16 June 2011
read the article

Parliamentary briefing prepared for MPs explaining the unfairness of planned state pension age rises and outlining fairer and better alternatives.


We must rethink the retirement lottery
14 May 2011
read the article

Article published in Yorkshire Post calling for new thinking on pensions and outlining Ros' idea to consider introducing a monthly ?1m lottery prize for people saving in a pension scheme - to attract younger savers.


Give pensions a new name - and a lottery
14 May 2011
read the article

Ros' ideas for £1m lottery prizes to entice people to save in a pension are highlighted in the Yorkshire Post.


Coalition Pension Policy - One Year On
12 May 2011
read the article

Ros critiques the Coalition Government's pensions policy after its first year in office. Having promised to reinvigorate pensions and retirement, how has it done?


Pensions need a new image
9 May 2011
read the article

Ros wrote a Chapter in the CII Retirement Savings Report calling for pensions to be renamed and for a lottery with pensions to encourage participation.


Barclays SmartWoman feature interview
May 2011
read the article

Ros gave a feature interview for Barclays SmartWoman website explaining her views on the important issues for women to consider in long-term saving.


Radical State Pension reform proposed at last
30 April 2011
read the article

Ros article published in the JC welcoming the Government's proposals for a ?140 a week flat rate state pension but pointing out that this radical state pension reform is not intended for current pensioners only those of the future.


Daily Express - Radical State Pension Reform at last
April 2011
read the article

Ros' article in the Daily Express welcoming the Green Paper proposals for radical state pension reform, potentially ending mass means-testing of pensioners, but highlighting that this will not apply to existing pensioners only to future generations.


Observer - Osborne ignores pensioners at his peril
27 March 2011
read the article

Article published in the Observer, explaining that pensioners seem to have been near the bottom of the Chancellor's priority list in the latest Budget, but that pensioners are a powerful voting force that should not be ignored.


Budget proposes pension reforms
23 March 2011
read the article

Press Release discussing the Chancellor's Budget proposals to end contracting out and simplify the pension system.


Sunday Post - Reality Check for Pensions
12 March 2011
read the article

Article published in Sunday Post discussing the need for people to understand the costs and risks of pensions and public sector workers to appreciate the value of their pensions.


FT video interview - EU ruling is bad news for UK pensions
1 March 2011
watch the podcast

Ros gave a video interview to FTfm's Pauline Skypala reacting to the EU ruling on gender based pricing and other pension reform issues.


Express comment: Pensions: How Baby Boomers Were Betrayed
25 February 2011
read the article

Ros explains why we need radical state pension overhaul to provide a decent state pension at least £140 a week for all, to revitalise private pensions, end mass means testing and be fair to women at last.


Welcome to John McFall's pension inquiry - let's overhaul savings
1 February 2011
read the article

Ros welcomes the new independent inquiry into Pension and Savings reform. Pensions need an image makeover.


Motley Fool Money Talk 'What's gone wrong with state pensions'
24 January 2011
read the article | listen to the interview

Ros was interviewed by Motley Fool's excellent David Kuo on his Money Talk programme, discussing what has gone wrong with state pensions in the UK. Here is a transcript and you can click onto a podcast and listen to the interview from there.


Pensions need an image makeover
4th January 2011
read the article

Ros comments on latest ACA survey results confirming disillusionment with pensions and says pensions need an image makeover so people actually want to contribute.


Financial Adviser - Will the Pensions Bill work well?
January 2011
read the article

Ros' feature article for FT Financial Adviser outlining why the measures in the Pensions Bill are not enough to really properly reform pensions in the way we need.


Where is the £140 a week pension Green Paper
17 December 2010
read the article

Ros expresses concern that the promised Green Paper on radical state pension reform has not been released, we need the £140 a week pension.


Unlocking the pensions moneybox
14 December 2010
read the article

Ros comments on Treasury consultation on early access to pensions. She believes allowing people to access their pensions would encourage more to contribute.


The future of retirement
2 December 2010
view PowerPoint presentation (pdf, 576kb)

Ros gave a speech at a PwC forum on Rethinking Retirement in which she outlines her views for a whole new phase of life where people in their 60s and 70s keep working part-time.


Yorkshire Post - Unlocking Pensions could lead to better savings culture
December 2010
read the article

Ros' article published in the Yorkshire Post welcoming consultation on early access to pensions and calling for pensions to be re-designed, so saving can be ISAs or pensions.


Pensions are a mess - how did we get here?
December 2010
read the article

published in Financial World magazine, outlining the history of the pensions crisis and explaining some of the possible solutions.


What's happened to pensions lately?
24 November 2010
read the article

Ros summarises some of the highlights of the recent proposals for pension reform.


Pensions Time Bomb - Detonate or Defuse
23 November 2010
view PowerPoint presentation (pdf, 576kb)

Ros gave the inaugural lecture for University of Westminster Business School outlining her views of the future of pensions and how to defuse the demographic time bomb.


Over 50s have lost confidence in pensions
15 November 2010
read the article

Ros highlights Saga Survey evidence showing that one in five over 50s has debts or a mortgage and comments that one third are not saving in a pension.


Implications of new Government for pension reform
11 November 2010
view PowerPoint presentation (pdf, 92kb)

Ros gave a speech at Institute of Chartered Accountants for England and Wales Annual Pensions Conference outlining some of the implications for pensions reform of the new Government.


Future Direction of Pensions
10 November 2010
view PowerPoint presentation (pdf, 275kb)

Ros gave keynote speech at the Inside Government Forum outlining her views on the need for further pension reform and attention being paid to the looming crisis in care funding.


A flat rate pension for everyone - who would believe it?
26 October 2010
read the article

Article published in Daily Express explaining why a flat rate pension of at least £140 a week would be brilliant news for future pensioners.


£140 a week pension for all new retirees
24 October 2010
read the article

Ros comments on leaked proposals for all new pensioners to be paid at least ?140 a week state pension, thereby ending mass means testing of pensioners.


Planning Retirement as longevity rises
5 October 2010
read the article

Article in Money Observer outlining what is needed for proper radical pension reform and the urgent requirement to rethink both pensions and retirement.


Telegraph 'Expert View' - The Challenge of Pension Reform
2 October 2010
read the article

Article published in Daily Telegraph 'Expert View' Column in the Money section, calling on the Coalition to rise to the challenge of proper pension reform.


BBC Pension reform proposals draconian
20 August 2010
read the article

Ros wrote an article for the BBC Ariel magazine explaining the problems facing BBC staff as a result of management pension reform proposals.


Winter Fuel Allowance should be rolled into state pension
20 August 2010
read the article

Recommends the Government consider making the Winter Fuel Allowance permanent, by rolling into a higher state pension to save money and improve pension fairness.


Government must not cut state pension by £10 a week - Winter Fuel Allowance should become taxable and permanent
19 August 2010
read the article

Press Release condemning reports that the Government is considering scrapping Winter Fuel Allowances. This would be like cutting state pensions by £10 a week. They should instead be incorporated into the state pension and become taxable.


Yorkshire Post - Pension Age Increases long overdue
18 August 2010
read the article

Article published in Yorkshire Post outlining Ros' views on the Government's proposals to increase the State pension age to 66 by 2016.


FT article - A level playing field for pensions?
14 August 2010
read the article

Ros' article published in Financial Times Money Section, and website, outlining her thoughts on pension reform to create a more level playing field between public and private sector pensions.


Response to DWP auto-enrolment/NEST review
13 August 2010
read the article

Ros' formal written response to DWP review of NEST and auto-enrolment, recommending putting NEST on hold, reforming the state pension first and then auto-enrolling into existing schemes first.


Response to State Pension Age Review
5 August 2010
read the article

Ros responded to DWP Review of acceleration of state pension age increase.


End contracting out to improve pension fairness
2 August 2010
read the article

Press Release highlighting Ros' recommendations for public sector pension reform in her response to the Hutton Review. She makes the case for ending contracting out.


Planning Retirement as longevity rises
26 July 2010
view PowerPoint presentation (pdf, 135kb)

Ros gave a presentation at the Money Marketing Retirement Planning Summit in Dublin where she outlined her views for radical pension reform urgently needed and hopes that the new Government will make the right decisions.


Making the most of an ageing workforce
25 June 2010
read the article

Comment piece published in the Guardian, outlining the urgent need to get rid of ageism in the workplace and help employers and workers to appreciate the value of working part-time in later life.


Radio 4 Today programme interview
24 June 2010 07.25am
listen to the interview

Ros was interviewed on Radio 4 Today programme and argued that we must end ageist attitudes in the workplace.


Emergency Budget comment
22 June 2010
read the article

Press Release following Coalition Government's emergency budget, outlining the implications for savings and pensions policy.


Queen's Speech - sensible policies so far
27 May 2010
read the article

Press Release welcoming the policy proposals outlined in the Queen's Speech and calling for more radical reforms.


Steve Webb for Pensions Minister - brilliant
14 May 2010
read the article

Press Release welcoming the appointment of Steve Webb as the new Pensions Minister.


Top Ten Pension Policy Issues for New Government
12 May 2010
read the article

Ros outlines her thoughts on the ten most important areas that need urgent attention from the new Government's Pensions Ministers.


Jeff Randall interviews Ros
12 May 2010
read the article

Ros was interviewed by Jeff Randall, discussing the new Government's policies on pensions.


Retirement age concept is damaging and out of date
4 May 2010
read the article

Taylor Vintner's Solicitors quote Ros saying that forcing people to retire is bad for the economy.


Telegraph - Post-Election Pension Reform
1 May 2010
read the article

Article published in Daily Telegraph outlining Ros' views on pensions policy changes required after the UK General Election.


Telegraph blog on pensions policy after the Election
29 April 2010
read the article

Ros wrote a blog for the Daily Telegraph outlining the need for radical pension changes after the Election.


A New State Pension
28 March 2010
download article (pdf, 522kb)

Cross party Pamphlet calling for a Citizen's Pension, with Ros, Baroness Hollis, NAPF, Steve Webb, John Cruddas, Alex Kemp and others.


Resident's Pension - the way forward
March 2010
read the article

Ros wrote an article calling for a Resident's Pension as the way forward for state pension reform. This was published in a new pamphlet on State Pension reform, organized by Baroness Hollis.


Stop tinkering and take action on pensions crisis
1 April 2010
read the article

Yorkshire Post article arguing for radical reform of the state pension system as a top priority for a new Government.


Citywire blog - Pensions Crisis will lead to Care Crisis
5 March 2010
read the article

Ros' Citywire blog explaining why we need to consider proper planning for long-term care, with various policy options available to avert a potential crisis. Click here to read the article on the Citywire website.


Retirement Strategy Feature
March 2010
read the article

Ros was interviewed by Money Marketing's Retirement Strategy magazine and her views on pension reform are highlighted. Click here to read the article on the Money Marketing website.


Sunday Telegraph: How Britain's Pensions Disintegrated
27 December 2009
read the article

Ros wrote a comment article for the Sunday Telegraph reviewing the past decade of pensions policy.


Millions face poverty in retirement
December 2009
View Clip

Youtube clip of recording of Ros' interview with CNBC, explaining the potential problems for millions of UK future pensioners facing a miserable retirement.


2010 predictions for pensions policy
December 2009
read the article

was asked for a quick summary of views on the 2010 pensions outlook.


Saga Magazine - Pension reform desperately needed in 2010
December 2009
read the article

Ros contributed comment on state pension reform for Saga Magazine's 2010 outlook.


The Future for Pensions and Retirement
10 November 2009
view PowerPoint presentation (pdf, 288kb)

Ros gave Keynote Speech at the Financial Times Intermediary Forum in London, explaining how we need to change pension and retirement thinking to address the pensions crisis.


Citywire blog - ending the pensions aristocracy
30 October 2009
read the article

Ros comments on latest figures from the Office for National Statistics showing a growing divide between pension provision in the public and private sectors. She calls for an urgent independent inquiry to assess the situation. Here is a link to the blog too.


Daily Mail - The Pensions System Needs a Radical Overhaul
12 October 2009
read the article

Article published in Daily Mail 'Monday Column' explaining why our pension system is not fit for purpose and we need a radical overhaul of both state pensions and private pensions, as well as retirement.


The Observer - Pensions: We Need a Revolution
11 October 2009
read the article

Article published in the Observer Business Section calling for a radical overhaul of our state pension system, making it fair to women and ending mass means-testing. Click here to link to the article.


Sunday Post - What next for pensions
11 October 2009
read the article

Feature article in Scotland's Sunday Post, outlining the need for better and fairer state pensions.


Telegraph - Raising Pension Age
6 October 2009
read the article

Ros commented on the Telegraph website about Tory proposals to bring forward the increase in the state pension age.


Pensions - What a Mess
September/October 2009
view PowerPoint presentation (pdf, 224kb)

Ros spoke at Transact Connect Forum on pension policy and explained what is needed to radically reform pensions.


Pensions Week 'Rethinking Pensions' proposal
September 2009
read the article | view Accompanying PowerPoint presentation (pdf, 52kb)

Pensions Week called for a 500 word proposal for modernizing pension savings. Ros suggests moving away from pensions as a 'locked box' and adding flexibility with a new model for lifetime savings - a LifeSaver account.


Guardian blog - public sector pensions will change
26 August 2009
read the article

Guardian comment where Ros discusses the problems of public sector pensions and that change is inevitable.


Yorkshire Post: Radical Rethinking - the only way to solve pensions crisis
26 August 2009
read the article

Op-ed published in Yorkshire Post explaining why existing pension reform is inadequate and only radical rethinking will work.


Sorting out pensions and retirement
6 August 2009
read the article

Ros was asked to write a Guest Blog for the Age Employment Network website giving her views on radical pension reform and the benefits of longer working lives. Click here to read the article on the TAEN website.


Turner wishes he had been more radical - so do I!
3 July 2009
read the article

Lord Turner gave an interview to the BBC explaining that he wished he had been more radical and called for a resident's pension and a faster rise in the state pension age. These are measures which Ros has been calling for since 2002 and radical reform is long overdue.


Yorkshire Post - if only Turner had been more radical
July 2009
read the article

Editorial article written for Yorkshire Post, outlining the new views of Lord Turner and ruing the wasted opportunity of the Pensions Commission reforms, with Ros calling for more radical rethinking of both pensions and retirement.


The future of post-retirement
30 June and 2 July 2009
view PowerPoint presentation (pdf, 375kb)

Slides from a Presentation given to Dealers' Group conferences in Harrogate and London, discussing Ros' views on the future of the post-retirement market, changes that are likely to unfold and the role of advisers in helping manage this change.


Public Sector Pensions Aristocracy
17 June 2009
view PowerPoint presentation (pdf, 239kb)

Ros gave a speech at London School of Economics Pensions Programme seminar on the benefits of public sector pensions and the growing divide between public and private sector pension arrangements. These are the slides she presented.


Daily Express – Public sector pension costs must be exposed
26 May 2009
read the article

Article published in the Daily Express explaining that transparency on the costs of MPs pensions and all other public sector pension schemes is even more important than the exposure of MPs expense claims.


Sunday Post – Without final salary pensions, can we afford to gamble our pension on the stock market?
24 May 2009
read the article

Comment article published in Scotland's Sunday Post newspaper, outlining the problems facing individuals in planning for their retirement as employers pull out of final salary pension provision.


Press Release for MetLife Retirement Planning Reform Report
20 May 2009
read the article

Press Release announcing the publication of Ros' independent report examining the issues facing ordinary people trying to plan their retirement. Ros explains the huge risks and uncertainties they face and how the credit crisis has worsened the pension outcomes for millions of pensioners.


Citiwire blog – A pension fund is not a pension
20 May 2009
read the article

Blog written for Citiwire website explaining that those saving in a pension fund need to know the difference between a pension fund and a pension!


Independent website: Have the markets ruined our presents and our futures?
20 May 2009
read the article

Piece written the Independent newspaper's website, explaining the problems of falling markets which have hit the future pension security of millions of citizens.


Tiscali - Top tips for pension planning
20 May 2009
read the article

Ros wrote a comment for the Tiscali website covering her eight Essential Pension Tips – trying to help people understand some of the important issues involved in planning for pensions.


IEA conference: The future of the 'post-retirement' market
12 May 2009
view PowerPoint presentation (pdf, 380kb)

Presentation given at the IEA 12th Annual conference on the Future of Life Assurance, outlining Ros' views on the future of the 'post-retirement' market.


Planning for Retirement – You're on your own
May 2009
view PowerPoint presentation (pdf, 5.7mb)

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


Citiwire blog - Budget thoughts
April 2009
read the article

Ros explains what policies she would like to see for pensions in the 2009 Budget.


UK budget pension measures
22 April 2009
read the article

Ros gives an overview of the measures announced in the Spring 2009 UK Budget, as they relate to pensions.


Citiwire blog: Budget pensions policy wishlist
17 April 2009
read the article

Blog on Citiwire website outlinining Ros's wish list for policies that the Chancellor could introduce to help pensions and pensioners in the forthcoming Budget.


Guardian comment: Employers cut pension contributions – dangers for retirement
11 April 2009
read the article

Guardian on-line Comment column in which Ros explains the dangers of a major pension company cutting its pension contributions in response to the credit crisis and cost cutting pressure. This will mean disappearing employer pensions and then disappearing retirement.


What next for pensions and long-term savings?
17 March 2009
view PowerPoint presentation (pdf, 223kb)

Keynote address to the Financial Services Research Forum explaining Ros' views about the future for pensions, savings and retirement in the 21st Century.


Pensioner Poverty – Response to DWP Select Committee
28 February 2009
read the article

Ros' response to DWP Select Committee Inquiry into pensioner poverty, explaining how the credit crisis will make pensioner poverty worse and highlighting some of the injustices of current policy.


Presentation for MPs and Lords on pensions and the credit crisis
11 February 2009
view PowerPoint presentation (pdf, 248kb)

Presentation given to the All Party Parliamentary Group on Social Security and Reform, funded by ESRC, explaining Ros' views on the policy response options for dealing with pensions and the credit crisis.


Rate cuts worsen pensioner poverty
5 February 2009
read the article

Press Release warning that cutting interest rates again will worsen the economic outlook and worsen poverty for pensioners. Ros urges the authorities to stop cutting rates and focus on fiscal policy.


Parliamentary Briefing on credit crisis and pensions policy reform
February 2009
read the article

Parliamentary Briefing funded by ESRC for All Party Parliamentary Group on pension reform. Ros explains what policymakers need to be aware of and makes proposals for reforms to assist long-term sustainability.


Interactive Investor - why bother with pensions?
29 January 2009
read the article

Article written for Interactive Investor website, explaining how the credit crisis has been a disaster for pensions and that Government policy is helping to undermine pensions even further.


Crisis policy response carries big dangers
9 January 2009
read the article

Press Release critiquing Government's emergency policy measures, explaining dangers and highlighting unfairness for pensioners of pension credit assuming they still earn 10% interest on their savings.


State pensions are in a mess - radical reform urgently required
13 December 2008
read the article

Article featured in Scottish Sunday Post explaining how UK state pensions are inadequate, current reforms will not deliver what we need and recommending a radical overhaul to finally treat our pensioners decently.


Credit crisis and pensions policy
9 December 2008
view PowerPoint presentation (pdf, 226kb)

Presentation given to House of Commons All Party Group on Social Security, explaining the inadequacies of recent policies for dealing with the credit crisis and suggesting alternative solutions.


Is lifestyling fit for purpose for people's pensions?
December 2008
read the article

Corporate Adviser asked for Ros' comments on whether lifestyling products are suitable for pension investors who do not have an adviser.


Pension development forecasts for 2009
December 2008
read the article

PProfessional Pensions asked Ros to give her forecasts for pensions in 2009.


Pension Predictions for 2009
December 2008
read the article

Pensions Management magazine asked Ros for her predictions for pensions in 2009.


Triumphs and failures for pensions in 2008
December 2008
read the article

Pensions World magazine asks Ros to review pensions in 2008 and highlight what she believes have been the triumphs and failures.


We need an independent inquiry into public sector pensions
December 2008
read the article

Letter published in Financial World magazine highlighting the lack of transparency in public sector pensions and calling for an independent inquiry into the developing public sector pensions aristocracy.


Pensions in the 21st Century
26 November 2008
view PowerPoint presentation (pdf, 124kb)

Speech given to Tax Incentivised Savings Association (TISA) conference outlining Ros' vision of a sustainable pension system and required reforms for 21st Century.


Brown's pensions policy record
16 November 2008
read the article

Article published in Sunday Post in Scotland explaining how Government pensions policy has been a disaster.


DMO should issue pension and annuity gilts
November 2008
read the article

Ros wrote to urge the Government to issue gilts specifically targeted and pension funds and annuity providers: long duration, linked to inflation and longevity/mortality. There are hundreds of billions of pounds of domestic institutional money that would eagerly buy such paper.


Public sector pensions aristocracy
November 2008
read the article

Article published in the Yorkshire Post contrasting the effects of the credit crunch on private sector and public sector schemes and calling for transparency on accounting for public sector pensions.


FTfm webcast on FT.com
10 November 2008
read the article

Ros gives her controversial views on how Government policy is damaging pensions and the dangers of proposed reforms.


Future challenges for Savings, Pensions and Investments
16 October 2008
view PowerPoint presentation (pdf, 171kb)

Presentation given to IEA and Marketforce's 5th annual conference outlining Ros views on the challenges that will be faced by advisers in pensions, savings and investment products for the future.


Credit crisis measures will worsen the pensions crisis
9 October 2008
read the article

Press Release explaining why the panic measures aimed at stabilizing the banking system will make the pensions crisis worse and lead to a serious pensioners crisis soon. Ros calls for the Government to issue more long-dated gilts and longevity or mortality bonds.


Pensions Policy Isn't Working
8 October 2008
view PowerPoint presentation (pdf, 125kb)

Presentation given to Transact Connect conference explaining the shortcomings of current pensions policy and the need for more radical reform.


Transparency needed urgently on public sector pensions
8 September 2008
read the article

Press Release highlighting the generosity of public sector pensions relative to private schemes and calling for transparency in the costs and accounting for these significant future liabilities.


Public sector pensions far more generous than private sector
September 2008
read the article

Figures prepared for Daily Mail showing the number of years it would take public sector and private sector workers to accrue the same level of pension.


Public sector pensions and pay far better than private sector
September 2008
read the article

Latest official statistics show that both pay and pensions are far better for public sector workers than comparable private sector workers.


Q&A on Public sector pensions
September 2008
read the article

Some frequently asked questions about the generosity of UK public sector pensions.


International Retirement policy approaches and challenges
16 May 2008
view PowerPoint presentation (pdf, 146kb)

Presentation given to US financial experts in Washington at Genworth Financial Retirement Symposium, outlining pension history, recent UK pension reform and suggesting how the US can learn from policy mistakes in the UK.


Presentation at CSFI Pensions Panel
14 May 2008
view PowerPoint presentation (pdf, 130kb)

Presentation given to meeting of Centre for Study of Financial Innovation explaining Ros' views why the current pension reform proposals won't work and that we need to radically rethink both pensions and retirement.


Highlights of Pensions Bill proposals
May 2008
read the article

Briefing summarizing the highlights of Second Reading of Pensions Bill and critique of proposed reforms.


Dangers of Personal Accounts
May 2008
read the article

Ros outlines why she believes introduction of personal accounts is likely to worsen pension provision in the UK and could prove very dangerous.


Pension Reform Presentation
29 April 2008
view PowerPoint presentation (pdf, 96kb)

Presentation given at Money Marketing's Retirement Planning Summit in Monte Carlo, critiquing the pension reform agenda.


Solving the pensions crisis
11 March 2008
view PowerPoint presentation (pdf, 95kb)

Ros gave a brief presentation and participated in a panel discussion at the PMI Spring Conference, outlining why she believes pension reform will not solve the forthcoming pensioners crisis.  She explained that state pension reforms are inadequate, while personal accounts may  make things worse for many.


Keynote speech 'Pension Reform and Reality'
12 February 2008
view PowerPoint presentation (pdf, 110kb)

Ros delivered the keynote speech at Professional Adviser's Expert Investor Forum in London outlining her ideas on demography, pensions and the need for radical reform.


Ros' Pensions Week 2008 predictions
January 2008
read the article

Ros was asked to provide some predictions for Pensions Week magazine, this is what she wrote.


Ros' 2007 Top Five pension events
December 2007
read the article

Professional Pensions magazine asked Ros to name her top five pension events from 2007 and this is what she wrote for them.


Letter published in FT on personal accounts reform
7th November 2007
read the article

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.


Saga website – introduction to SIPPs
September 2007
read the article

Article for Saga website explaining the basics about Self Invested Personal Pensions (SIPPs).


The Government's Pension Reform Proposals
21st June 2007
view PowerPoint presentation (pdf, 55kb)

Keynote Presentation given at Henry Stewart Conference outlining Ros' views on the Government's most recent pension reforms and why they will not restore confidence or deliver a sustainable pension system.


Reform of Public Sector pensions
June 2007
read the article

Article written for Public Servant magazine outlining some expected developments in the public sector pensions debate.


House of Commons to vote on amendments to Pensions Bill
18th April 2007
read the article

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.


Pensions crisis – past and future
17th April 2007
view PowerPoint presentation (pdf, 68kb)

Presentation to the Pensions Trust trustee Awayday in Leeds, outlining the history of the problems in the UK pension system and some thoughts about the future.


House Magazine article – ‘If I was in charge of pension reform…'
February 2007
read the article

Article published in the House Magazine explaining what Ros would like to do if she were in charge of pension reform!


Inadequate protection for personal accounts
December 2006
read the article

Exchange of letters in Daily Telegraph warning that the lack of proper consumer protection for the new personal accounts poses real dangers for future disasters and claims for mis-selling that may lead to another scandal.


Financial Adviser feature on the proposed new personal pension accounts
December 2006
read the article

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
November 2006
read the article

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
November 2006
read the article

Feature article written for Financial Adviser assessing the expected pension reforms to be announced in the Queen’s speech in Parliament.


Restoring confidence and trust in pensions – the missing ingredient of pension reform so far
12 October 2006
view PowerPoint presentation (pdf, 64k)

Presentation given at the launch of ‘The Pensions Report’, survey of pension trends in the UK, explaining how pensions are in crisis, coverage is falling and the loss of confidence must be urgently addressed.  Policy has so far failed to take account of the ‘demand’ side of pensions and has focused only on ‘supply’.


Pensions crisis – it’s real and getting worse
October 2006
read the article

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.


What’s wrong with the White Paper?
October 2006
read the article

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
October 2006
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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
28 September 2006
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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
September 2006
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Article published in Sunday Telegraph explaining why the Chancellor’s pensions policies could destroy our once-thriving UK pension system.


Demographic dangers for growth -  Sunday Telegraph
27 August 2006
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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’.


Pensions after the White Paper
30 June 2006
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Presentation given at Scottish Widows Pensions Debate, explaining Ros’ concerns about the effect of the Government’s White Paper on Pension Reform.


Comments on Pensions White Paper
8 June 2006
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Ros’ views on the reform proposals contained in the Government’s pension reform White Paper.


Article in ‘Public Servant’ Journal ‘ New Thinking on Pensions’
April 2006
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Article published in ‘Public Servant’ Magazine, discussing the future for UK pensions, trends in occupational pension schemes and flexible retirement policies of the future.


What is the future for pension saving?
21 March 2006
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Speech given by Ros Altmann to the Association of Chartered and Certified Accountants (ACCA) looking at the future for pension saving after the Pension Commission report.


Commons Work and Pensions Select Committee - Pension Reform – After Turner
15 March 2006
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Presentation to the House of Commons Work and Pensions Select Committee outlining Ros’ pension reform ideas and where her views differ from those of the Pensions Commission.


Money Marketing article on the effects of pension tax reform ‘A-day’
February 2006
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Comment published in Money Marketing outlining Ros’ expectations of the tax reforms for pensions introduced on 6th April 2006.


Rethinking retirement and pensions for the 21st Century
19 January 2006
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Presentation given at the Foreign and Commonwealth Office to a delegation of visiting diplomats from Vietnam, outlining Ros’ views on pension and retirement reforms for the 21st Century.


Reforming state pensions is affordable if existing spending is reallocated more wisely
16 January 2006
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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.


Parliamentary Labour Party Work and Pensions Committee – Pension reform meeting
10 January 2006
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Presentation given to the Parliamentary Labour Party’s Work and Pensions Committee, outlining Ros’ thinking on radical reforms for pensions and retirement, following the Pensions Commission report.


Prudential is advising customers to contract back in, why not abolish contracting out?
December 2005
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Press Release explaining why contracting out should be abolished as part of radical pension reform and most providers are already advising their clients that they should not remain contracted out.


Press Release questioning whether winter fuel and other allowances to pensioners should be more targeted
December 2005
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Press Release explaining that winter fuel and other benefits for pensioners are costing over half as much as Pension Credit, yet are not targeted at all and asking whether this is a sensible use of taxpayers’ money.


U turn on pension simplification reforms is a shambles
December 2005
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Press Release discussing Ros’s view that the government’s climbdown on allowing residential property into personal pensions and last-minute changes of pension simplification tax rules is the right decision but dreadful timing.  The Government should never have proposed this and should have listened to warnings over the last 2 years that such changes would lead to huge losses of tax revenue.


What is the case for employer compulsion?
December 2005
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Additional comments from Ros on the Pensions Commission reform proposals, questioning the intellectual case for compelling employers to contribute to pensions and discussing some of Ros’s reservations about the proposals.


Letter published in the FT asking why employers should be compelled to contribute to their employees’ pensions
December 2005
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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.


What is the case for employer compulsion?
December 2005
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Additional comments from Ros on the Pensions Commission reform proposals, questioning the intellectual case for compelling employers to contribute to pensions and discussing some of Ros’s reservations about the proposals.


Comments on proposals of Pensions Commission Second Report
December 2005
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Article prepared for Financial Adviser giving Ros’s reaction to the pension reform proposals contained in the Pensions Commission final report.


Scottish Widows seminar on Pensions Commission proposals
12 December 2005
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Presentation delivered at Scottish Widows seminar in Edinburgh, outlining Ros’s reaction to the Pensions commission proposals and explaining her hopes for a more radical approach to both pensions and retirement.


Savings Market conference - Radically rethinking retirement
8 December 2005
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Presentation to the Savings Market conference in London, entitled ‘Radically Rethinking Retirement, New approaches for the 21st Century’ discussing Ros’s views that we need to reconsider what we expect from both retirement and pensions, in order to be able to move forward on pension reform.


Ros’s initial comments on Pensions Commission reform proposals
November 2005
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Press Release outlining Ros’s initial reactions to the Pensions Commission reform proposals, offering broad support, but expressing a wish that reforms should be bolder and more radical.


BBC website published Ros’s views on reform of occupational pensions
November 2005
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Article published on BBC website discussing the crisis in UK occupational pension provision, problems faced by employers and members and recommendations for radical reforms.


Why has Government policy to encourage saving failed?
November 2005
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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.


Pensions World conference ‘Private pension Policy, Pension Reform and Compulsion’
10 November 2005
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Presentation delivered at Pensions World conference outlining Ros’s views on the need for radical pension reform and why she thinks compulsion would not be advisable.


Watson Wyatt debate ‘Pension reform will do nothing for those who need it most’
9 November 2005
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Ros’s presentation at the Watson Wyatt 2005 pension debate, proposing the motion that ‘This house believes pension reform will do nothing for those who need it most’.  Ros, together with Steve Bee the leading pensions guru from Scottish Life,  explained why they believed that pension reforms so far will not benefit the Govenrment’s ‘target’ group of middle earners.


ACCA pensions lecture ‘Pension Provision in the 21st Century’
27 October 2005
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Lecture delivered for the ACCA at the Museum of London, discussing the pensions landscape and the role of the accounting profession in helping clients prepare for forthcoming reforms.


Speech at Labour Party Conference fringe on encouraging retirement provision
26 September 2005
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Presentation given at B&CE fringe meeting at Labour Party Conference in Brighton, discussing Ros’s views on how to get people to provide for their retirement.


Government Pension Reforms
22 September 2005
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Presentation on Pension Reform given at Financial Times FT Financial Adviser Expo in London.


Contracting-out has failed
September 2005
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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.


FT letter final salary pensions confidence trick July 2005
July 2005
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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
July 2005
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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.


The Pensions Landscape - Actuarial Profession conference
June 2005
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Presentation given at Actuarial Profession Annual Pensions Convention, in Brighton on 7th June 2005, outlining the failure of the UK pension model, the outlook for occupational pensions and the role of actuaries in future.


Feature article published in Daily Mail on pension reform
May 2005
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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
May 2005
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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.


Professional Pensions column on urgent post-election pension reforms
April 2005
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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
April 2005
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Letter written to Financial Times explaining why encouraging gradual retirement is a key element of pension reforms.


Brief summary of crisis facing UK employers running final salary schemes
April  2005
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Brief note outlining the situation facing UK employers running final salary pension schemes and why they are now facing huge deficits.


FT letter on economics of pensions and risk
March 2005
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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.


Pension Reform in 2005/6
March 2005
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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
Spring 2005
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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.


Response to Pension Commission First Report
January 2005
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Ros's response to Pensions Commission initial report outlining need for radical reform of state pension and re-thinking retirement.


Pensions ARE in Crisis' - ASIM Meeting
3 December 2004
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Powerpoint presentation for ASIM at the ASIM Winter General Meeting in London, outlining why the UK pension system is in crisis and what might be done to improve the situation.


The Role of Government in Pensions - SOFA conference
23 November 2004
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Presentation given to Society of Financial Advisers Annual Conference on the role of Government in Pensions and future for pensions policy.


Letter commenting on pension burdens faced by UK employers
November 2004
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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
November 2004
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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.


Pension News from Labour Party Conference
October 2004
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Analysis of suggestions of major shift in Government policy on pensions, which seemed to emerge from the Labour Party Conference.


Article for Daily Express on Pension Reform Proposals
October 2004
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Article published in Daily Express, outlining Ros’s proposals for pension reform.


Telegraph article on how pension reform affects you
September 2004
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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.


Why are many SME’s not providing pensions?
September 2004
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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?
September 2004
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Press Release explaining why Ros does not believe compulsion is the best policy option to adopt, in order to encourage pensions.


FT ‘Personal View’ article questioning the inadequacy of
Government policy to encourage savings

June 2004
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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.


Comments on official figures estimating numbers affected by scheme wind-ups
May 2004
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Comments on the initial figures released by the DWP, estimating numbers affected by winding up pension schemes, who have lost most of their pensions.


Important Q & A about Compensation
May 2004
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Note outlining how and why Government funded compensation should be organised.


CSFI Pensions Roundtable Presentation on Pensions Solutions
April 2004
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Presentation given to a Roundtable discussion session of the Centre for the Study of Financial Innovation, discussing why pensions are in crisis and possible solutions and policy options for the future.


Pensions in Crisis conference
March 2004
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Presentation given to Association of Private Client Investment Management Service conference, discussing why pensions are in crisis and possible policy responses.


Pensions Bill Comments for Scottish Herald
February 2004
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Article written for Scottish Herald, February 15th 2004, with comments on 2004 Pensions Bill proposals.


Critique of Pensions Bill
February 2004
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Ros’ comments on proposals contained in Pensions Bill 2004.


Criticism of Pensions Bill Measures for Failure to Restore Confidence
February 2004
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Comments on 2004 Pensions Bill, criticising the lack of measures for compensation of victims who have lost their ‘guaranteed’ occupational pensions and failure to restore confidence in pensions.


Critique of Current Pensions Policy
October 2003
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Framework of a presentation given at a fringe event organised by Standard Life at the Labour Party Conference in Bournemouth in October 2003. The presentation discusses Pension Reform and provides a critique of current pensions policy, with suggestions for future policy reforms.


Compulsory Pension Contributions – Financial Adviser
October 2003
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Article written for ‘Financial Adviser’ discussing the case for compulsory pension contributions and why they are not adviseable in the current policy environment.


Pension Credit Could Destroy Pensions - Pensions Week
October 2003
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Article for Pensions week explaining why the Government’s new means tested Pension Credit policy will damage pensions and undermine pension savings in the UK.


The Importance of Independent Advice in Savings Policy
September 2003
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Presentation given at ‘Money Marketing Live’ Exhibition in Manchester on 23rd September 2003, explaining the problems of pension coverage, Government pensions policy and the importance of independent advice in the savings process.


Pension Policy Moving in Wrong Direction – FT Letter
August 2003
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Letter published in the Financial Times in August 2003 explaining why pension policy is moving in the wrong direction.


Will Current Pension Policy Encourage Pensions?
July 2003
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Paper to be published in "Consumer Policy Review" outlining some of the major problems with Government pensions and savings policy; calling for independent advice with Sandler products.


Pension Mistakes Resulting from Tory Legislation in 1990s
February 2003
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Summary of reforms introduced in late 1990s which have undermined pensions.


Green Paper Quotes Which Mislead People into Believing Their Employer's Pension is Safe
January 2003
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These quotes show that Government is continuing to mislead people into believing their final salary pensions are safe.


Myths Perpetuated by The Pensions Green Paper
January 2003
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Ten myths about the UK pension system which are portrayed as facts.


Initial Comments on Pensions Green Paper
January 2003
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Brief analysis of positive and negative points arising from the Green Paper.


What the Green Paper Needs to Do
Devember 2002
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Summary of essential reforms needed in Green Paper.


YouGov Retirement and Pensions Survey
November 2002
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Transcript of a speech launching Pension Reforms based on Nationwide YouGov Survey.


Green Paper Wish List
November 2002
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Ros Altmann's comments on reforms hoped for in the Green Paper, written for the Financial Adviser.


A New Blueprint for Retirement and Pensions
July 2002
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Pensions recommendations for reform of UK pension policy.


Pickering Report Comments
July 2002
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Ros Altmann's comments on the findings of the Pickering Review.


Pension Policy and Interaction of State and Private Pension Provision
November 2001
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A note describing some of the current pension rules and how State provision affects private provision.


Changing the Fundamentals of Retirement and Pensions
March 2001
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A paper that discusses an outline of the problems that current pension and retirement policy faces.


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