Article published by Chartered Insurance Institute (CII) giving Ros’ views on why generic advice for personal accounts will not work, but it could be very helpful for annuities.
Article written for Saga website, explaining the basics of annuities and factors to think about before buying.
Article for Saga website explaining the different types of annuities available.
Article published in Corporate Adviser magazine, discussing some of the shortcomings of the current annuity market and how ineffective the open market option is in practice.
Article published in Pensions Management outlining problems of annuity purchase and urgent reforms required to make open market option work better. Also warning trustees of defined contribution schemes to take care to ensure appropriate annuities are purchased for members.
Note prepared for DWP explaining why assets of occupational schemes in wind-up should not be used to buy annuities, but should be pooled, as will be the case for the PPF, to minimise costs of assistance and maximise potential pensions for victims.
Figures showing how much it might cost to buy an annuity of Â£10,000 per year.
Powerpoint presentation outlining future issues for annuities presented at Journal of Pension Economics Panel Session, November 2002.
Discussion of taxation implications of money back guarantees for annuities.
Discussion of points relevant to Open Market Option for annuities.