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    John Ralfe

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    • Thursday, 23 June, 2022
      Personal Finance Advice & Comment
      Collective pensions: there’s little protection in the crowd

      Policymakers would do better to focus on improvements to individual defined contribution schemes

    • Wednesday, 30 March, 2022
      Personal Finance Advice & Comment
      P&O pensioners should sit tight despite fund concerns

      Disturbing accounts of how much the ferry group owes its pension schemes

    • Wednesday, 8 September, 2021
      Personal Finance Advice & Comment
      Cut the gap between public and private sector pensions

      Reform now to reduce inequalities and taxpayers’ bill

    • Thursday, 1 July, 2021
      FT AlphavillePensions
      Collective defined contribution pensions are no panacea

      John Ralfe argues that Britain’s CDC pensions legislation needs to be made fairer.

    • Thursday, 9 January, 2020
      FTfmPensions crisis
      Britain’s railway mess will not be sorted until pensions are reformed

      Commuters to face more strikes as large retirement deficit looms

    • Tuesday, 26 November, 2019
      FTfmBT Group Plc
      BT nationalisation: pension deficit is the easy bit

      The group could make a one-off contribution after selling Openreach to the government 

    • Thursday, 8 August, 2019
      Personal Finance Advice & Comment
      Here’s my solution to the pensions taper tantrum

      The highest earners should be paying more tax on their retirement savings, not less

    • Thursday, 6 July, 2017
      FTfmFund management
      The pensions regulator has played its weak BHS hand well

      When a company buys another, the retirement fund should be guaranteed, says John Ralfe

    • Wednesday, 5 July, 2017
      Final salary schemes
      What can people with final salary pensions learn from British Steel?

      How much to spend in retirement is the most complex financial decision

    • Thursday, 18 May, 2017
      Final salary schemes
      We should all vote for MPs’ pensions to be reformed

      Losing their defined benefit scheme would put politicians on a par with constituents

    • Sunday, 23 April, 2017
      FTfmIndustrial metals
      It’s zombie versus lifeboat for British Steel Pension Scheme

      John Ralfe considers the options facing the retirement fund’s members

    • Sunday, 19 March, 2017
      FTfmFund management
      BHS deal shows UK pension regulation needs strengthening

      John Ralfe evaluates the agreement to salvage the chain’s retirement fund

    • Thursday, 9 February, 2017
      Investments
      Don’t cash in your final salary pension

      Think carefully about the risks before giving up a guaranteed income for life

    • Sunday, 5 February, 2017
      FTfmFinal salary schemes
      UK public sector pension costs understated by £15bn a year

      Public sector defined benefit retirement schemes are unsustainable, says John Ralfe

    • Sunday, 11 September, 2016
      FTfmFinal salary schemes
      Noisy lobbyists are shouting that the pension sky is falling

      There is no crisis in DB pensions, so there is no need for crisis measures, says John Ralfe

    • Sunday, 19 June, 2016
      Fund management
      The UK’s system of pension regulation is called into question

      John Ralfe considers Halcrow’s deal with the Pension Protection Fund

    • Thursday, 2 June, 2016
      Final salary schemes
      Got a final salary pension? Time to steel yourself

      Negotiations over the British Steel pension fund should worry those with a defined benefit pension

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