Ros explains why cutting interest rates even further from here is not sensible and causes significant damage to pensioners living on their savings. She recommends bringing back the 10p tax band to improve incomes for all taxpayers and improving the state pension to help all pensioners over age 75.
Presentation given to LSE conference on Financial Markets Crisis, explaining how savers will be affected and the need to restore savings incentives.
Release highlighting the injustice of Government immediately rescuing Northern Rock savers with a 100% guarantee, while continuing to maintain that taxpayers can’t compensate pension victims who have been struggling for years with no pension.
Article for Saga website explaining the basics about Self Invested Personal Pensions (SIPPs).
Ros’ comments on FSA Retail Distribution Review consultation paper on selling savings products in the UK.Â Ros suggests the only people called ‘independent advisers’ should be those who can sell across all products.
Comment published in Money Marketing outlining Ros’ expectations of the tax reforms for pensions introduced on 6th April 2006.
Presentation given at the 8th Annual Conference of the Institute for Economic Affairs, in London, discussing the role of Government, insurance companies and the financial services industry in the future of long term savings in the UK.
Slides and transcript of a speech given at the Institute of Actuaries aAgeing Population’ conference in Edinburgh on January 21st 2002. This describes proposals for a new type of ‘wrapper’ in which to hold all a persons savings throughout their lifetime, from short term investments to pensions and equity release.
The Herald newspaper explains why many people do not have sufficient financial information or education to be able to make good pension decisions
Article published in UBS Wealth Management magazine explaining some of the weaknesses of the lifecycle approach to investing and the need for diversification in investor portfolios.