What's Wrong with Our Company Pensions?
Note explaining why we urgently need to change the UK final salary pension system. Some form of insurance is essential.
Letter Printed in Financial Times 4 April 2003
Letter regarding lack of security for members of UK final salary schemes.
Why Final Salary Pensions are in Crisis. A Solution?
A description of why UK final salary pension promises are now financially unsustainable for most employers and a possible way forward for the future.
Mutual Insurance for Final Salary Schemes – or Risk Warnings
Note outlining why wither member must be given a proper risk warning that their pension must be protected.
UK Final Salary Pension Crisis – Possible Solutions?
Outline of reasons for the crisis in UK final salary schemes and some suggested solutions.
Why UK Final Salary Schemes Will Move to DC
Note outlining reasons for employers to switch away from DB schemes towards DC.
Cost of Giving Extra Savings Incentives to Basic Rate Tax Payers
Modelling work carried out by Datamonitor to estimate costs of giving extra government incentives for saving in a matching scheme, rather than using tax relief. Funded by Aberdeen.
Sandler Products – Independent Advice is Essential to Avoid 'Mis-Buying'
An article written for Financial Adviser commenting on why financial advice is still so important even when offering simple products.
UK Pensions in Crisis
A brief note on why Ros believes UK pensions are in crisis.
Pension Mistakes Resulting from Tory Legislation in 1990s
Summary of reforms introduced in late 1990s which have undermined pensions.