Protecting Savings

Introduction
Acronyms

Cash

March

2009

The Credit Crunch

The Financial Services Authority

December	2008	The Work of the FSA *
October	2008	Protecting Savings
September	2007	"Clearly Doesn't Work"
July	2005	FSA Terminology
March	2004	New Labour and the Financial Industry

The Financial Ombudsman Service

May

2008

The Lord Hunt Review

Pensions - Personal Accounts/Stakeholder

May	2009	Designing an Investment Approach
April	2009	Spoiling a Good Idea: The Personal Accounts Scheme
January	2009	Securing a Retirement Income * x
August	2008	Building personal accounts: choosing a charging structure
February	2007	"More Choice - Lower Returns"
February	2006	Comments on the Proposal for a National Pension Savings Scheme
January	2006	The National Pension Savings Scheme
December	2005	Here We Go Again!
October	2005	Reasons for Introducing A New National Pension Scheme
September	2005	The Cost-Efficiency Problem
September	2005	Proliferating Peripatetic Pensions
May	2005	Turner Opportunities
July	2003	Consumers' Association seminar
April	2003	A Cap or a Con?
February	2001	Stakeholder Pensions: The Hidden Charges
November	2008	(updated)

Pensions - general

August	2006	Response to the White Paper, Security in Retirement, Executive Summary
May	2006	Response to the White Paper, Security in Retirement
October	2005	Cool It
October	2005	Pensions Reform
September	2005	The Four Options
September	2005	Are you a victim of the latest multi-billion pound pensions mis-selling scandal?
September	2005	The Cost-Efficiency Problem
September	2005	The Pensions Meltdown
October	2004	The First Report of the Pensions Commission

Personal saving - costs

December	2006	Survey of annuity pricing
October	2006	Transaction Costs
October	2005	Bundled Brokerage and Soft Commissions
November	2005	Half-Hidden Costs
October	2004	Total Cost and Charges of the Financial Industry per Head
December	2003	A Charter for Churners *
September	2003	"Savers face fresh hike in fund fees."
January	2003	The Disclosure of Dealing Costs
March	2002	Comparative Tables: The Hidden Charges

Personal saving - general

June	2004	Child Trust Funds and Stakeholder Products Revisited
August	2004	Myners Review of the Governance of Life Mutuals ( PDF file ) *
January	2004	Restoring Confidence in Long-Term Savings
November	2003	Child Trust Funds *
July	2002	Sandler Review
June	2002	Problems and Solutions
September	2001	Who can you trust?

Lost investments

January	2007	Lost Investors - memorandum to Treascom *
May	2004	The Population Register
April	2004	Lost Investments and Investors *
September	2003	Orphan Funds and Unclaimed Assets
July	2003	The Use of Personal Identity Numbers to Keep Track of Customers and Investments

Government interaction with the public

August	2008	Difficulty Obtaining Replies to Enquiries
September	2008	The Publication of Responses to Consultations