Presentation at Centre For Future Studies Conference in London on closing the savings gap, outlining how Government and the financial services industry can work together to encourage more savings.
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.
Press release discussing the findings of the Treasury Select Committee report on long term savings in the UK.
Presentation made to the FSA Consumer Panel on the topic of awhat I would do if I were on the FSA Consumer Panel’.
Press release explaining that the FSA refuses to accept any responsibility for telling members of final salary schemes that their pensions were guaranteed, when in fact they weren’t. It criticises the double standards apparently being used by the Regulator.
Article published in aThe Tomorrow Bulletin’ discussing the Tomorrow Project report aOpportunity of a Lifetime’ and setting out Ros’s proposals for radically rethinking the concept of retirement and introducing a lifetime savings framework.
Article published in Financial Adviser in July 2004, discussing the findings of the Treasury Select Committee report on long term savings.
Letter published in Financial Times, arguing that tax relief is not fiscally neutral and is a major example of targeting incentives on top income groups.
Article commissioned by Financial Times for aPersonal View’ column, discussing Government policies to encourage savings and questioning why they seem to be targeted only at the top earners, rather than trying to encourage those who do not pay higher rate tax.