Note explaining why we urgently need to change the UK final salary pension system. Some form of insurance is essential.
Letter regarding lack of security for members of UK final salary schemes.
A description of why UK final salary pension promises are now financially unsustainable for most employers and a possible way forward for the future.
Note outlining why wither member must be given a proper risk warning that their pension must be protected.
Outline of reasons for the crisis in UK final salary schemes and some suggested solutions.
Note outlining reasons for employers to switch away from DB schemes towards DC.
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.
An article written for Financial Adviser commenting on why financial advice is still so important even when offering simple products.
A brief note on why Ros believes UK pensions are in crisis.
Summary of reforms introduced in late 1990s which have undermined pensions.