Letter published in Employee Benefits Magazine explaining why employers have been asked to shoulder too much of the pensions burden and that the ‘standard’ two-thirds final salary pension has become unaffordable for most people.
Letter published in Financial Times pointing out parallels between Bush pension reform proposals and UK pension policies over the past 20 years which have contributed to our pensions crisis.
Personal View article published in Financial Times, explaining the problems of stakeholder product reforms, mass market investors being left out, providers concentrating on high net worth clients and lack of economies of scale in savings products. Ros suggests consideration of National Savings as the ideal ‘Sandler’ products.
Feature article published in Financial Adviser highlighting the failure of Government policy to stimulate more savings. The article explains that policy has only focussed on supply side issues (informed choice, stakeholder) but not demand (no new incentives, people don’t want to save) . Ros outlines the need for new incentives for both employers and employees.
Article published in Daily Express, outlining Ros’s proposals for pension reform.
Analysis of suggestions of major shift in Government policy on pensions, which seemed to emerge from the Labour Party Conference.
Feature article published in Financial Adviser, October 2004, outlining Ros’s suggestions for structuring investment options for money purchase and stakeholder pensions, with sensible default options.
Note outlining Government proposals for new Pension Protection Fund and New Pensions Regulator.
Article published in Daily Telegraph on October 9th 2004, discussing the effect of the 2004 Pension Reforms by the Inland Revenue. It argues that these reforms could change the entire nature of pensions in future, turning them into a short term exercise for those on higher rate tax.
Presentation made to the FSA Consumer Panel on the topic of awhat I would do if I were on the FSA Consumer Panel’.