Speeches and Presentations


Incentivising Care Funding – A Social Imperative new!
7 May 2015
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Ros gave a keynote speech at the Faculty and Institute of Actuaries Health and Care Conference explaining her views on the social care crisis and the urgency of addressing the lack of social care funding in our ageing population


The new pension rules – consumer perspective
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


Embracing and ageing workforce
11 February 2015
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Ros gave the keynote presentation at the Secondsight conference in London explaining why it is essential for businesses to consider the implications of the aging population and adapt retention, recruitment and training policies to the future workforce


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


Older Women Workers contribution to the economy
22 January 2015
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Ros spoke to the Women’s Business Council about the contribution being made by older women to the economy and the workforce.


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


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


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


The case for fuller working lives
4 November 2014
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Ros gave a speech to representatives of major UK Trade Associations, explaining the case for fuller working lives.


ILC Global Alliance Robert Butler Memorial Lecture presentation
29 October 2014
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Ros gave the Robert Butler Memorial Lecture to the ILC Global Alliance forum in London, explaining the need to encourage more productive ageing across the developed world.


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.


Fuller Working Lives - it's so important
23 September 2014
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Ros gave a speech at the Age Employment Network/LSE conference on later life working, explaining why championing older workers is so important.


Local Enterprise Partnerships support Older Workers Champion
10 September 2014
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Ros gave a keynote address at the Local Enterprise Partnerships forum on longer working lives in Stoke-on-Trent explaining her role as Business Champion for Older workers.


Preparing for an older workforce
9 September 2014
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Ros spoke at a Bright Blue forum on preparing for an ageing workforce and policy implications of an ageing labour market.


The Changing World of Pensions
9 September 2014
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Ros gave the keynote address at the London Pensions Fund Authority annual members' forum explaining changes that are underway for UK pensions.


Launch of Older Workers Business Champion
14 July 2014
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Ros gave a presentation at an ILC Event to launch her role as Older Workers Champion, explaining why this is needed and what she hopes to do.


Swiss Re Centre for Global Dialogue - the next generation of insurance
30 June 2014
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StockMarketWire highlights Ros' views on the right to request flexible working being extended to everyone.


Bringing generations together in insurance of the future
24 June 2014
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Ros gave a presentation at the Swiss Re Centre for Global Dialogue conference explaining how the next generation can be brought into insurance - using family as a unit of product development.


Modernising insurance thinking for the next generation - a family model
24 June 2014
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Ros gave an interview for Swiss Re's conference on the next generation of insurance, calling for insurers to consider the benefits of selling to family units and engaging multiple generations together, rather than relying on intermediaries.


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


Demographic Challenges demand new retirement thinking
30 April 2014
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Ros gave a presentation at Mallowstreet's Pension Industry forum - P4C - outlining why the demographic challenges of an aging population will mean that retirement needs to be rethought in order to help solve the pensions crisis


Demographic Challenges demand new retirement thinking
30 April 2014
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Ros gave a presentation at Mallowstreet's Pension Industry forum - P4C - outlining why the demographic challenges of an aging population will mean that retirement needs to be rethought in order to help solve the pensions crisis


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


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.


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


House of Lords - Are Annuities Fit for Purpose?
30 January 2014
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Ros spoke on a panel at an ILC Seminar in the House of Lords addressing the question 'Are Annuities Fit for Purpose' and she explains why, without asking questions of customers, those selling annuities can have no idea whether the products are suitable for them or not


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


Swiss Re Centre for Global Dialogue - Connection Generations - Modern pensions?
4 February 2014
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This is a video recording of Ros' speech at the Swiss Re forum on 'Connecting Generations' discussing a pension system for the modern era.


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.


Powerpoint presentation - 'Are Annuities Fit for Purpose'
30 January 2014
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Description: Here are Ros' powerpoint slides presented at the ILC_UK Panel Debate on annuities in the House of Lords and sponsored by Legal and General. Ros explains that we have no idea whether annuities re fit for those buying them becasue sellers are not obliged to carry out any know your customer or suitability checks to find out.


Are Annuities Fit for Purpose - House of Lords ILC debate
30 January 2014
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Description: Ros spoke at an ILC_UK Panel Debate sponsored by Legal and General on the subject 'Are annuities fir for purpose?'. This is a transcript of her remarks and her slides.


Economic Forecasts for 2014 - Clash of the Titans
10 December 2013
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A transcript of Ros' speech at the Clash of the Titans event with her forecasts for the UK economy in 2014 - she predicts a boom year.


Clash of the Titans - economic outlook for 2014
10 December 2013
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Ros represented the London School of Economics at the Economics Research Council's annual 'Clash of the Titans' Event, which pitches an economist from each of LSE, Oxford and Cambridge against each other and ask them to predict the economic outlook for the coming year.


2020Health seminar Fit for Later Life - social care reform
6 November 2013
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Ros was a keynote speaker at a Seminar in the House of Commons exploring important issues around overcoming stereotypes, keepnig fit for later life and reforming social care to ensure a better advanced old age for all.


Ros' views on annuities at Westminster Forum Panel discussion
5 November 2013
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This is a transcript of Ros' contribution to the Westminster Forum Panel Session on Annuities at which she gave her views on how the market is not working for the customer.


Pension Pioneers Forum - QE's continuing impact on UK pension funds
24 October 2013
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Ros gave a keynote speech at the PEnsion Pioneers Forum conference explaining the damaged caused to #UK pensions by Quantitative Easing - both DB and DC schemes are affected


Armed Forces Pensions Injustice - Briefing for Lords
9 October 2013
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Ros prepared a powerpoint presentation to highlight for members of the HJouse of Lords the continuing injustices caused by the armed forces redundancy programme and its failure to honour is pension commitments to loyal long-serving troops


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.


Wealth at Work presentation - Retirement income options
25 May 2013
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Video recording of Ros' presentation at Wealth at Work's Seminar, giving the consumer perspective on Retirement Income Options for 21st Century.


Monetary policy's unintentional side effects
May 2013
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Ros explains why QE isn't working and how it is causing damaging side-effects that will have longer term negative consequences.


Armed Forces Redundancy injustices
24 April 2013
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Ros gave a presentation to MPs highlighting the injustices created by the Ministry of Defence when dealing with the ongoing programme of compulsory redundancies for armed forces.


Consumer perspectives on Retirement Income Options
23 April 2013
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Ros spoke at a Wealth at Work seminar about Retirement Income Options and how consumers need help in assessing what is most suitable for them.


Unintended consequences of unconventional monetary policy
17 April 2013
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Ros spoke at the London School of Economics, giving her views on the dangers of Monetary Policy measures for UK pensions.


Next Steps for Auto-enrolment - Westminster Employment Forum conference
12 February 2013
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Ros spoke at the WEF conference explaining her concerns about the future of auto-enrolment and the need to remove NEST restrictions, simplify the processes and also to take more notice of the annuities risks in decumulation


Has QE undermined pensions as we know them
29 January 2013
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Ros gave a presentation to the Pension Investment Academy at Westminster Business School explaining how QE has undermined both DB and DC pensions in the UK.


Shouldering their share of the burden? How pensioners are affected by fiscal and monetary policy
12 September 2012
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Ros gave a presentation at a Saga Thought Leadership event, explaining how pensioners have been affected by both fiscal and monetary policy - policymakers ignore this at their peril.


Thought Leadership - How have fiscal and monetary policies affected pensioners?
12 September 2012
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Write-up of the Saga Thought Leadership event with politicians and leading experts presenting and discussing results of research from Cebr about how fiscal and monetary policies have affected pensioners.


Building on Dilnot - a partnership approach
14 June 2012
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Ros gave a keynote speech at the Institute for Economic Affairs future of savings conference explaining how the Care Crisis needs urgent resolution and how saving for care could be facilitated by building on a Dilnot-style approach


Dangers of QE
11 June 2012
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Ros gave a talk to BNP Paribas explaining her views about the dangers of QE and misperceptions of the impact of monetary policy on the economy


What Auto-enrolment is all about
22 May 2012
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Ros gave a keynote speech at the Xafinity seminar on auto-enrolment explaining her views on what auto-enrolment is all about and that we might need broader thinking on later life saving.


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.


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.


Fiduciary Management for pension funds
25 April 2012
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Ros gave a presentation to pension fund trustees explaining the background and possible benefits of considering Fiduciary Management for pension funds.


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


Care crisis and reform
25 January 2012
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Ros gave a presentation to the Presidents Forum explaining the background and possible future of the UKs crisis in social care.


Fiduciary Management - A new way forward for Europe's Pension Funds?
25 January 2012
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Ros gave a presentation at the IQPC Fiduciary Management Summit, outlining the potential use and benefits of Fiduciary Management for pension funds.


Providing for your own future
13 December 2011
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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.


What solutions can Homecare offer?
10 November 2011
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Ros gave a presentation Lang and Buisson Annual Care Conference, highlighting the benefits of care in the home and how we need to reform the system to make it work better.


How did pensions get in this mess?
8 November 2011
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Ros spoke to the Worshipful Company of Bankers, outlining what has happened to pensions over the years and a strategy for the future.


Transcript of Ros speech on reforming state pensions and retirement
1 November 2011
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This is the transcript of Ros' session at the Westminster Employment Forum conference on Pension Reform.


Reforming Retirement and the State Pension
1 November 2011
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Ros speaking at the Westminster Employment Forum conference on reforming state pensions and Reforming Retirement, next steps for policy.


Reform of Care Funding - role of Private Sector
18 October 2011
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Ros gave a presentation at the ILC-Institute of Actuaries conference on Reform of Care funding, outlining the role that can be played by the private sector.


Kings Fund speech - A new future for social care
20 September 2011
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Ros presented her views on the future for social care following the Dilnot Report, outlining the need for urgent change.


Life after abolition of the DRA
15 September 2011
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Ros gave a presentation to the COHPA Annual General Meeting in London, explaining issues relating to working practices and occupational health after the abolition of the Default Retirement Age.


Pensions in Crisis
29 June 2011
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Ros gave a keynote speech at the Institutional Investor Pensions Conference in Luton Hoo, explaining what has gone wrong with our pensions and reforms that are needing to address the crisis.


Solving the Pensions Crisis
28 June 2011
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Ros spoke at UJC in London, highlighting the effects of the pensions crisis and how we can solve it.


Ageing and Pensions
6 April 2011
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Ros gave a keynote presentation at the Pensions Excellence conference in London on overcoming the pensions crisis and how to avoid ending up with our ageing population falling into poverty.


Growing Old 'Dis'Gracefully
24 March 2011
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Ros gave a keynote presentation and the Pensions Management Institute's Spring Conference in London, explaining that living longer is great news, but we need to rethink our lives and take advantage of being healthier and capable of working longer.


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.


Pensions Time Bomb - Detonate or Defuse
23 November 2010
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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.


Dangers of ultra-low interest rates
15 November 2010
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Ros gave a presentation to the EU Financial Stability Board outlining the unintended consequences and dangers of keeping interest rates at ultra low levels for too long.


Implications of new Government for pension reform
11 November 2010
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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
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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.


Pensions Timebomb - Detonate or Defuse
23 November 2010
view PowerPoint presentation (pdf, 577kb)

Ros gave the keynote presentation at the launch of the Westminster Business School.  Please use one of the following links:

- VIew the presentation video with synchronised slides (Internet Explorer only)
- View or download the presentation video
- View or download the video of the Q&A session that followed the presentation


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.


Pensions Crisis - past and future
27 May 2010
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Ros gave a presentation at the Credit Suisse 2010 Pension Strategy conference in London, giving her views on the history and future of UK pension policy


The future for workplace pensions after 2012
18 March 2010
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Keynote presentation at University of East Anglia's forum on Workplace Pension Reform.


UK pensions in crisis
11 March 2010
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Ros explains some of the background and realities for UK companies offering pension schemes.


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.


Pensions - What a Mess
September/October 2009
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Ros spoke at Transact Connect Forum on pension policy and explained what is needed to radically reform pensions.


The future of post-retirement
30 June and 2 July 2009
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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
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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.


Three Sixty conference – New Thinking for Retirement and Pensions
15 May 2009
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Presentation given at Three Sixty's National Conference, outlining the history of our pension system, mistakes that have been made and the need to radically reform both pensions and retirement


IEA conference: The future of the 'post-retirement' market
12 May 2009
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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.


What next for pensions and long-term savings?
17 March 2009
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Keynote address to the Financial Services Research Forum explaining Ros' views about the future for pensions, savings and retirement in the 21st Century.


Trustees, Governance and Investment Manager Selection post-crisis
24 February 2009
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Presentation given to Institutional Investor conference in Amsterdam outlining Ros' thoughts on past mistakes and future trends in pension fund investment and trustee investment governance.


Presentation for MPs and Lords on pensions and the credit crisis
11 February 2009
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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.


Credit crisis and pensions policy
9 December 2008
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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.


Pensions in the 21st Century
26 November 2008
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Speech given to Tax Incentivised Savings Association (TISA) conference outlining Ros' vision of a sustainable pension system and required reforms for 21st Century.


Credit Crisis and Pension Funds - what now for LDI?
25 November 2008
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Presentation given to Goldman Sachs Pension Academy explaining how pension fund trustees could consider coping with the credit crisis and updating investment thinking for the future.


Re-evaluating Investment Risk
6 November 2008
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Presentation given to Institute of Chartered Accountants in England and Wales (ICAEW) in London outlining how pension funds need to think differently about investment risk and recognize that taking risk, especially in equities, does not necessarily mean returns will be high.


Future challenges for Savings, Pensions and Investments
16 October 2008
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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.


Pensions Policy Isn't Working
8 October 2008
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Presentation given to Transact Connect conference explaining the shortcomings of current pensions policy and the need for more radical reform.


Beyond traditional investment thinking
20 June 2008
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Presentation given at Institutional Investor forum in Hanbury Manor UK outlining new thinking for investors.


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.


Pension Reform Presentation
29 April 2008
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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.


Are hedge fund managers worth the money?
3rd October 2007
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Presentation at IIR conference on European Fund Manager selection, explaining the benefits, pitfalls and assessing value for money with hedge fund investing.


Financial crisis and demographic dangers of current Government policy
1st October 2007
view PowerPoint presentation (pdf, 338kb)

Presentation given to LSE conference on Financial Markets Crisis, explaining how savers will be affected and the need to restore savings incentives.


New Thinking for Pension Fund Investing
6th September 2007
view PowerPoint presentation (pdf, 61kb)

Presentation at Absolute Return Partners conference in Iceland, explaining new investment thinking and reasons for the need to manage both returns and risks when investing for pension funds – and the need to consider absolute return strategies.


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.


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.


Delivering Members' Pensions
27th March 2007
view PowerPoint presentation (pdf, 73kb)

Presentation given at Coombe Abbey, Coventry for PwC explaining Ros' thoughts on the new world for trustees and dealing with deficits, risk and member protection.


Alternative Investment Strategies for Pension Funds
7th March 2007
view PowerPoint presentation (pdf, 91kb)

Presentation for Icelandic pension fund trustees outlining Ros' thoughts on using alternative investments in pension asset allocation decisions.


Overcoming deficits and paying pensions
23rd November 2006
view PowerPoint presentation (pdf, 77kb)

Presentation given at Man Group breakfast briefing session explaining the challenges facing pension fund trustees in trying to achieve asymmetric return profiles for their investments.


Modernising Pensions
9th November 2006
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Speech given at the Wallace Collection in London outlining for trustees some new thinking on risk management, liability driven investing and downside protection for pension funds.


Trust and Pensions in Parliament
17th October 2006
view PowerPoint presentation (pdf, 85kb)

Ros' presentation in House of Commons to All Party Parliamentary Pensions Group explaining background to the pension losses of wind-up victims, why Parliamentary Ombudsman and PASC call for compensation and why rescue is urgent.


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’.


Speech at Labour Party conference demo Manchester
27 September 2006
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Speech given by Ros at a press meeting after ‘Stripped of our Pensions’ demonstration for the 4th year running at Manchester Labour Party Conference, calling on Gordon Brown to show he has decent values and sort this issue out properly.


Alternative investing – new thinking on Asset Allocation
26 September 2006
view PowerPoint presentation (pdf, 83k)

Presentation given at Nordic  Alternative Investment conference in Stockholm outlining new thinking for institutions considering moving away from traditional asset allocation models.


New approaches to asset allocation
25 September 2006
view PowerPoint presentation (pdf, 73k)

Presentation given at UK Pension and Investment Summit in Brighton, explaining Ros’s opinions on pension funds considering new approaches to asset allocation, emphasising risk control, diversification and protection.


Presentation to backbench MPs on Government responsibility for wind-up losses
11 July 2006
view PowerPoint presentation(pdf 128kb)

Presentation handout given to MPs at a meeting of backbenchers to discuss the Government’s rejection of the Parliamentary Ombudsman report and explaining why this rejection is wrong.


Trust and pensions – MP briefing on Parliamentary Ombudsman report
11 July 2006
view PowerPoint presentation (pdf 119kb)

Presentation given to a group of backbench MPs explaining the background to the pension losses on scheme wind-ups and the flaws in the Government’s rejection of the Ombudsman’s report.


Trustee Challenges – Facing up to deficits
10 July 2006
view PowerPoint presentation (pdf 97kb)

Presentation given to European Pension Fund Investment Forum in Marlow, explaining Ros’ ideas on new ways for trustees to think about managing both the risk and the return of their assets, in order to address pension deficits and more directly target meeting liabilities and over time.


Pensions after the White Paper
30 June 2006
view PowerPoint presentation (pdf 58kb)

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


LibDem MP briefing on Parliamentary Ombudsman report
23 May 2006
view PowerPoint presentation (pdf 74kb)

Presentation given to LibDem MPs explaining the background to the Parliamentary Ombudsman report.


Appeal to EU Parliament Petitions Committee
25 April 2006
view PowerPoint presentation (pdf 80kb)

Presentation given to Petitions Committee of European Parliament in Brussels, on behalf of Maurice Jones, who lost his entire company pension in 1997 when his company scheme started wind-up.  The presentation explains how the UK Government has broken EU law and what has happened to Mr. Jones’ pension.


What is the future for pension saving?
21 March 2006
view PowerPoint presentation (pdf 104kb)

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
view PowerPoint presentation (pdf 319kb)

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.


85,000 broken promises - Plea in Commons meeting ahead of Ombudsman report
14 March 2006
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Speech given by Ros at meeting held in House of Commons ahead of release of Parliamentary Ombudsman’s report, calling on Gordon Brown to agree to compensate and rectify the broken promises made to at least 85,000 citizens who have been robbed of their pensions.


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.


Parliamentary Labour Party Work and Pensions Committee – Pension reform meeting
10 January 2006
view PowerPoint presentation (pdf 316kb)

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.


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.


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.


FT conference, should pension funds be switching to bonds?
20 October 2005
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Speech delivered at FT Business Conference ‘Hidden Treasures in Bonds’ in London, discussing Ros’s thoughts about pension fund asset allocation and the investment considerations for pension funds when considering switching into bonds.


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.


Long-term savings in the 21st Century - IMA conference, London
16 June 2005
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Presentation given at the Investment Management Association conference, London, outlining policies required to stimulate long term savings, pension reform and alternative investment approaches in the UK.


The Pensions Landscape - Actuarial Profession conference
7 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.


Long term savings and the future for life assurance companies - IEA Annual Conference, London
23 May 2005
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Presentation given at the 8th Annual Conference of the Institute for Economic Affairs, in London, discussing the role of Government, insurance companies and the financial services industry in the future of long term savings in the UK.


Compensation for wind-up victims, not 'Assistance'
21 March 2005
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Presentation for Pensions Summit at House of Commons, 21st March 2005, outlining the need for Government to agree proper compensation for victims of scheme wind-ups


Pension Investors and Alternative Assets - Lehman Brothers Seminar
27 January 2005
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Presentation made to Lehman Brothers Pension Fund Seminar on 27th January 2005, outlining pension investor's investment objectives and use of alternative assets to help address pension fund needs.


DC Scheme Governance - trustee based or contract based. - NAPF Meeting
12 January 2005
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Presentation given at NAPF meeting in London to discuss pension scheme governance for defined contribution pension funds, considering trustee based, versus contract based models.


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.


Liability Driven Solutions and Regulatory Changes for Investors - Finance IQ Conference
1 December 2004
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Presentation given at Finance IQ Liability Driven Investment Conference in Zurich, 1st December 2004. Looking at the need for liability driven solutions and regulatory changes which will impact pension investors.


Closing the Savings Gap - CSFS Conference
25 November 2004
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Presentation at Centre For Future Studies Conference in London on closing the savings gap, outlining how Government and the financial services industry can work together to encourage more savings.


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.


Institutional Investment in Hedge Funds - IAM Seminar
19 November 2004
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Presentation made at IAM/LSE Hedge Fund Seminar, in London, on 19th November 2004, outlining the important issues for institutional investors to consider when looking at hedge fund investing.


Use of hedge funds in private pensions market - Man Group Investment Conference
November 2004
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Presentation given at Man Group Investment Conference in London, 5rh November 2004, on issues relating to the use of hedge funds in the private pensions market.


Presentation for FSA Consumer Panel
September 2004
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Presentation made to the FSA Consumer Panel on the topic of ‘what I would do if I were on the FSA Consumer Panel'.


Presentation on pension scheme governance to SPC roundtable, 22 June 2004
June 2004
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Presentation made to SPC roundtable on 22 June 2004. Topics addressed include aims of investment for DB and DC schemes, responsibilities of trustees and importance of improving trustee skills.


IAM/LSE Hedge Fund Conference Panel Session Notes
May 2004
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Notes prepared for panel session discussion at London School of Economics IAM/LSE hedge fund conference, highlighting the important issues of hedge fund investing for pension funds and institutional investors.


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.


Security of Occupational Pensions – What’s gone wrong?
March 2004
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Presentation given at Pensions Management Institute Spring conference, 11th March 2004, discussing the case for compensation and asking PMI members to support this cause.


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.


The Future of Pension Fund Asset Allocation
February 2004
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Presentation given at Investment Seminar on Pension Fund Asset Allocation, 10th Feb 2004, outlining important issues for asset allocation of defined benefit and defined contribution pensions and matching asset profiles more closely with liability profiles.


Research workshop on PPF and pension guarantees
January 2004
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Panel presentation on Pension Protection Fund and providing guarantees for pension schemes, 19th January 2004, for Watson Wyatt.


Pensions Summit Presentation Outlining Compensation Proposals
November 2003
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Presentation given at the ‘Pensions Summit’ at House of Commons on 4th November 2003, explaining why and how Government should compensate members of employer final salary schemes who have lost their pensions on insolvency.


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.


Compensation for Lost Pensions - Labour Party Fringe Event
October 2003
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Presentation at Labour Party Conference in Bournemouth organised with Pensions Action Group to highlight and explain the problems of people who have lost their pensions when their employer became insolvent, and the case for Government to compensate them.


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.


The Future of UK Employer Pensions
September 2003
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Framework for a panel discussion held at Right Angle Partners ‘UK Pension Fund Investment Seminar’ held at Hartwell House on 18th September 2003. This presentation addresses the crisis in UK pension funds and the future for UK employer schemes.


Presentation On Pension Reform
December 2002
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Slides for a presentation on 6 December 2002 given at FT Conferences Pensions Simplification Conference.


Presentation On The Future of Annuities
November 2002
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Slides for a presentation on 11 November 2002 given at a Journal of Pension Economics conference.


Handout On a Comprehensive Framework of Pensions and Savings Reform
November 2002
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Slides for a handout on 4 November 2002 given at launch of YouGov Pensions Survey.


Presentation On YouGov Retirement and Pensions Survey
November 2002
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Transcript and slides of a presentation on 4 November 2002 given at launch of YouGov Pensions Survey.


Presentation On Making Pensions and Pensioners Work well
October 2002
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Slides for a presentation on 10 October 2002 given at a Third Age Employment Network conference.


Presentation On Pensions Reform
April 2002
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Slides for a presentation on 25th April 2002 given at Towry Law Corporate Sales conference.


Encouraging Private Pensions And Savings
February 2002
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Slides presented at a Policy Network seminar on ‘Leading Change for Pension Reform’, on 5th February 2002, discussing how to encourage pensions and savings.


Encouraging Savings in the UK
January 2002
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A speech given to the Institute of Actuaries, discussing a lifetime savings framework.


Fairer Government Incentives in a Lifetime Savings Framework- The 'Lifesaver'
January 2002
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These are slides prepared for a presentation at an IPPR seminar on ‘Saving Incentives and Disincentives’ on 24th January 2002.


Changes & Challenges After The Myners Review
October 2001
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or
read the transcript

Slides presented at a conference on 5th October 2001. This was a ‘One-stop Update for Pension Schemes’ run by JustConferences, chaired by Geof Pearson of Sainsbury’s. The speech was the Opening Address, entitled ‘Changes and Challenges after the Myners Review’.


Life After Myners
May 2001
read the transcript (pdf 842kb)

This is a transcript of a speech given to a Faculty & Institute of Acutaries/Inquire conference in 21st May 2001, discussing the implications of the Myners Review and the future of UK pensions.


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