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Sunday Telegraph: How Britain's Pensions Disintegrated Ros wrote a comment article for the Sunday Telegraph reviewing the past decade of pensions policy. 2010 predictions for pensions policy
was asked for a quick summary of views on the 2010 pensions outlook. Saga Magazine - Pension reform desperately needed in 2010
Ros contributed comment on state pension reform for Saga Magazine's 2010 outlook. The Future for Pensions and Retirement
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
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
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
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
Feature article in Scotland's Sunday Post, outlining the need for better and fairer state pensions. Telegraph - Raising Pension Age
Ros commented on the Telegraph website about Tory proposals to bring forward the increase in the state pension age. Pensions - What a Mess
Ros spoke at Transact Connect Forum on pension policy and explained what is needed to radically reform pensions. Pensions Week 'Rethinking Pensions' proposal
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
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
Op-ed published in Yorkshire Post explaining why existing pension reform is inadequate and only radical rethinking will work.
Turner wishes he had
been more radical - so do I! 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
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 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 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 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? 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 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
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? 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 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 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 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 Ros explains what policies she would like to see for pensions in the 2009 Budget.
UK budget pension
measures 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 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 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?
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 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 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 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 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? 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 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 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 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? 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 PProfessional Pensions asked Ros to give her forecasts for pensions in 2009.
Pension Predictions
for 2009 Pensions Management magazine asked Ros for her predictions for pensions in 2009.
Triumphs and failures for pensions in
2008 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 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 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 Article published in Sunday Post in Scotland explaining how Government pensions policy has been a disaster.
DMO should issue pension and annuity
gilts 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 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 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
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 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 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
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 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 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 Some frequently asked questions about the generosity of UK public sector pensions.
International
Retirement policy approaches and
challenges 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 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 Briefing summarizing the highlights of Second Reading of Pensions Bill and critique of proposed reforms.
Dangers of Personal
Accounts 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 Presentation given at Money Marketing's Retirement Planning Summit in Monte Carlo, critiquing the pension reform agenda.
Solving the pensions
crisis 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'
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 Ros was asked to provide some predictions for Pensions Week magazine, this is what she wrote.
Ros' 2007 Top
Five pension events 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 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 Article for Saga website explaining the basics about Self Invested Personal Pensions (SIPPs).
The Government's
Pension Reform Proposals 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 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 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 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…' 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 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 Feature explaining why Ros thinks the proposed personal accounts should not be introduced and that they are likely to worsen pension provision in the UK – and also may lead to pensions being bought by those for whom they are not suitable.
FT letter on the injustice of unfunded
public sector pensions being contracted out Letter published in the Financial Times explaining that unfunded public sector pensions are contracted out of the national insurance system and that this is economically nonsensical, merely allowing public sector workers and employers to pay lower national insurance and passing the costs onto future taxpayers.
Financial Adviser feature discussing
expected Government pension proposals Feature article written for Financial Adviser assessing the expected pension reforms to be announced in the Queen’s speech in Parliament.
Restoring confidence and trust in
pensions – the missing ingredient of pension
reform so far 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 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? Article published in Parliamentary Monitor magazine explaining why the latest round of pension reforms will definitely not be the last.
Government’s pension White Paper
not good enough Article published in ‘Parliamentary Brief’ (Volume 10, No. 10), explaining the background to the UKs pension problems and why the latest White Paper reform proposals will not provide a sustainable solution.
Let’s rip it up and start
again’ - Critique of Government’s
White Paper reforms Article published in Financial Adviser explaining why the Government’s White Paper pension reforms do not go far enough, leaving the system still in need of a radical overhaul.
Examples of how loss of final salary
pension on wind-up has devastated people’s
lives Article published in Sunday Telegraph explaining why the Chancellor’s pensions policies could destroy our once-thriving UK pension system.
Demographic dangers for growth -
Sunday Telegraph Article published in the Sunday Telegraph, explaining how the Chancellor, Gordon Brown, has squandered the benefits of favourable demographic trends and is leaving the next administration to cope with the economic dangers of ‘demographic drag’.
Pensions after the White Paper 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 Ros’ views on the reform proposals contained in the Government’s pension reform White Paper.
Article in ‘Public Servant’
Journal ‘ New Thinking on Pensions’ Article published in ‘Public Servant’ Magazine, discussing the future for UK pensions, trends in occupational pension schemes and flexible retirement policies of the future.
What is the future for pension
saving? 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 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’ 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 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 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 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? 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 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 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? 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 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? 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 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 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 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 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 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? 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’ 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’ 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’ 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 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 Presentation on Pension Reform given at Financial Times FT Financial Adviser Expo in London.
Contracting-out has failed Article published in Financial Adviser on 8th Sepetmber 2005, following the FSA study of contracting out, demonstrating that this has provided poor value and explaining Ros’s view that contracting out should be abolished as part of radical pension reforms in the UK.
FT letter final salary pensions
confidence trick July 2005 Letter published in the Financial Times on 7th July 2005, outlining why UK Government pension policy is responsible for lulling members of final salary schemes into a false sense of security, which allowed employers to get away with making pension promises which they could not afford. This is the fault of Government failure to tell members the truth, rather than malicious employer actions.
Financial Adviser feature on future of
UK occupational pensions Feature published in Financial Adviser magazine, outlining Ros's views on the future for occupational pension provision in the UK, movement away from final salary schemes and role of financial advisers to help make defined contribution provision work better.
The Pensions Landscape - Actuarial
Profession conference 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 Feature article published in Daily Mail on 31st May 2005, explaining why Ros believes UK pension policy is in a muddle and her proposals for radical and sustainable reforms, to help overcome the crisis which we face in pension provision in this country.
FT comment piece on pension reform Feature Comment piece published in the Financial Times on 16thMay 2005, explaining Ros's views on what has gone wrong with our pension system and her proposals for radical pension reform.
Professional Pensions column on urgent
post-election pension reforms Article published in Professional Pensions in April 2005, outlining Ros's views of urgent pension reforms required after the General Election.
Letter on gradual retirement Letter written to Financial Times explaining why encouraging gradual retirement is a key element of pension reforms.
Brief summary of crisis facing UK
employers running final salary schemes 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 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 Article published in 'Pensions and Investments UK', discussing implications of planned pension reforms for occupational and personal pensions in 2005/2006. Impact on investment of pension fund assets, trustees of occupational schemes and the new tax regime for contributions.
Moving Pension Thinking into 21st
Century Article published in 'Money is Changing' Special Report on Financial Services Marketing, published by Dig for Fire. The article examines the need to re-think retirement, reform state pensions and encourage longer working lives, to move pension thinking into the 21st Century.
Response to Pension Commission First
Report 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 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 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 Letter published in Employee Benefits Magazine explaining why employers have been asked to shoulder too much of the pensions burden and that the 'standard' two-thirds final salary pension has become unaffordable for most people.
FT letter on US pension reform
proposals Letter published in Financial Times pointing out parallels between Bush pension reform proposals and UK pension policies over the past 20 years which have contributed to our pensions crisis.
Pension News from Labour Party
Conference 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 Article published in Daily Express, outlining Ros’s proposals for pension reform.
Telegraph article on how pension reform
affects you Article published in Daily Telegraph on October 9th 2004, discussing the effect of the 2004 Pension Reforms by the Inland Revenue. It argues that these reforms could change the entire nature of pensions in future, turning them into a short term exercise for those on higher rate tax.
Why are many SME’s not providing
pensions? Press release highlighting the implications of the findings of research by the Pensions Institute, explaining why smaller companies are no longer keen to provide pensions.
Is compulsion a sensible way
forward? Press Release explaining why Ros does not believe compulsion is the best policy option to adopt, in order to encourage pensions.
FT ‘Personal View’ article
questioning the inadequacy of 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 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 Note outlining how and why Government funded compensation should be organised.
CSFI Pensions
Roundtable Presentation on Pensions
Solutions 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 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 Article written for Scottish Herald, February 15th 2004, with comments on 2004 Pensions Bill proposals.
Critique of Pensions Bill Ros’ comments on proposals contained in Pensions Bill 2004.
Criticism of Pensions Bill Measures for
Failure to Restore Confidence 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 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 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 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 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 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?
Pension
Mistakes Resulting from Tory Legislation in
1990s 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
Myths
Perpetuated by The Pensions Green
Paper
Initial
Comments on Pensions Green
Paper
What the Green
Paper Needs to Do Summary of essential reforms needed in Green Paper.
YouGov
Retirement and Pensions
Survey Transcript of a speech launching Pension Reforms based on Nationwide YouGov Survey.
Green Paper Wish
List Ros Altmann's comments on reforms hoped for in the Green Paper, written for the Financial Adviser.
A New
Blueprint for Retirement and
Pensions Pensions recommendations for reform of UK pension policy.
Pickering Report
Comments Ros Altmann's comments on the findings of the Pickering Review.
Pension Policy and
Interaction of State and Private Pension
Provision A note describing some of the current pension rules and how State provision affects private provision.
Changing the
Fundamentals of Retirement and
Pensions A paper that discusses an outline of the problems that current pension and retirement policy faces. |
