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.
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.
Description: Ros puts together alternative wording for a separate directory that would list only those independent advisers who offer whole of market regulated advice for those who want to try to get the best possible personal help at retirement
Description: Ros issues further thoughts on the Pick-A Directory, complimenting its functionality but suggesting that it would be helpful to have a separate listing for truly independent advisers, so people can see who is offering guidance, rather than regulated advice
Description: Ros comments on the initial wording of the newly launched Directory called ‘Pick-A Retirement Income’ which is supposed to help people find an adviser or broker to help them choose the best retirement income for themselves and highlights her concerns about wording that seems unfairly biased against independent advice.
Ros gave an interview to the Glasgow Herald explaining her concerns about the annuities market and calling for proper regulation to protect customers
Ros prepared a background briefing on the failings of the annuities market and urgent reforms required
Ros comments on the IFS study which suggests people born in the 1960s and 2006s are worse off than previous generations at that age. She points out that the IFS says these cohorts did have higher earnings in their early adult years but chose to spend rather than save their money. This means they may need to work longer to make up for longer lives and lower saving.
Ros’ views on pension charge caps were written up by Stock Market Wire and explain why Ros believes the obsession with driving down AMCs may have gone too far.
Ros submitted a response to the DWP consultation on pension fund charges