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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. Pensions - What a Mess
Ros spoke at Transact Connect Forum on pension policy and explained what is needed to radically reform pensions.
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.
Three Sixty
conference – New Thinking for Retirement and
Pensions 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 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?
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 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 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 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 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?
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 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
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 Presentation given to Transact Connect conference explaining the shortcomings of current pensions policy and the need for more radical reform.
Beyond traditional
investment thinking Presentation given at Institutional Investor forum in Hanbury Manor UK outlining new thinking for investors.
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.
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.
Are hedge fund
managers worth the money? 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 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 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 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 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 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 Presentation for Icelandic pension fund trustees outlining Ros' thoughts on using alternative investments in pension asset allocation decisions.
Overcoming deficits and paying
pensions
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 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 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 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 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 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 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 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 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 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 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 Presentation given to LibDem MPs explaining the background to the Parliamentary Ombudsman report.
Appeal to EU Parliament Petitions
Committee 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? 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.
85,000 broken promises - Plea in
Commons meeting ahead of Ombudsman report 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 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 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 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.
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.
FT conference, should pension funds be
switching to bonds? 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 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.
Long-term savings in the 21st Century -
IMA conference, London 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 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 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' 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
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
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 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 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 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 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 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
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 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 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
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 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? 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 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 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 Panel presentation on Pension Protection Fund and providing guarantees for pension schemes, 19th January 2004, for Watson Wyatt.
Pensions Summit
Presentation Outlining Compensation
Proposals 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 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 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 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 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 Slides for a presentation on 6 December 2002 given at FT Conferences Pensions Simplification Conference.
Presentation
On The Future of
Annuities Slides for a presentation on 11 November 2002 given at a Journal of Pension Economics conference.
HandoutOn a Comprehensive
Framework of Pensions and Savings
Reform Slides for a handout on 4 November 2002 given at launch of YouGov Pensions Survey.
Presentation
On YouGov Retirement and
Pensions Survey 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 Slides for a presentation on 10 October 2002 given at a Third Age Employment Network conference.
Presentation On Pensions
Reform Slides for a presentation on 25th April 2002 given at Towry Law Corporate Sales conference.
Encouraging
Private Pensions And Savings 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 A speech given to the Institute of Actuaries, discussing a lifetime savings framework.
Fairer Government Incentives in a
Lifetime Savings Framework- The
'Lifesaver' 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 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 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. |
