Dr. Ros Altmann - B.Sc. (Econ) Hons, Ph.D., MSI
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Solving the pensions crisis new!
11 March 2008
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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' new!
12 February 2008
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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.


LibDem MP briefing on Parliamentary Ombudsman report
23 May 2006
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Presentation given to LibDem MPs explaining the background to the Parliamentary Ombudsman report.


Appeal to EU Parliament Petitions Committee
25 April 2006
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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
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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.


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
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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.


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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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
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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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