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</o:shapelayout></xml><![endif]--></head><body lang=EN-GB link=blue vlink=purple><div class=WordSection1><div><div><div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0cm 0cm 0cm'><p class=MsoNormal><o:p> </o:p></p></div></div><div><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;background:#F2E3CE;border-collapse:collapse'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:450.0pt;background:#FAFAFA;border-collapse:collapse'><tr><td valign=top style='padding:7.5pt 7.5pt 7.5pt 7.5pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td valign=top style='padding:7.5pt 7.5pt 7.5pt 7.5pt'><p class=MsoNormal><span style='font-size:7.5pt;font-family:"Arial","sans-serif";color:#707070'>Free resources provided by the Institute of Employment Rights</span><o:p></o:p></p></td><td width=170 valign=top style='width:127.5pt;padding:7.5pt 7.5pt 7.5pt 7.5pt'></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'> <o:p></o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:450.0pt;background:#FDFDFD;border-collapse:collapse'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:450.0pt;background:white;border-collapse:collapse'><tr><td style='border:none;border-bottom:solid #505050 4.5pt;padding:7.5pt 7.5pt 7.5pt 7.5pt'><p class=MsoNormal align=right style='text-align:right'><b><span style='font-size:25.5pt;font-family:"Arial","sans-serif";color:#1F497D'><img width=154 height=114 id="Picture_x0020_0" src="cid:image001.png@01CF1777.C1F41660" alt=ierlogo-events.gif></span></b><o:p></o:p></p></td><td width="100%" style='width:100.0%;border:none;border-bottom:solid #505050 4.5pt;padding:7.5pt 7.5pt 7.5pt 7.5pt'><div><h1 style='mso-margin-top-alt:.1pt;margin-right:0cm;margin-bottom:.05pt;margin-left:0cm'><span style='font-size:30.0pt;color:#773B6A'>Tory think tank out of touch on pension issues.<o:p></o:p></span></h1></div></td></tr></table></div></td></tr><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:450.0pt;border-collapse:collapse'><tr><td width=180 valign=top style='width:135.0pt;background:#FDFDFD;padding:7.5pt 7.5pt 7.5pt 7.5pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=177 style='width:132.65pt;border-collapse:collapse'><tr style='height:406.45pt'><td width="100%" valign=top style='width:100.0%;border:none;border-right:solid #DDDDDD 1.0pt;padding:15.0pt 15.0pt 15.0pt 7.5pt;height:406.45pt'><p style='line-height:14.4pt;background:white'><img width=134 height=158 id="_x0000_i1026" src="cid:image002.jpg@01CF1777.C1F41660" alt="Pensions London.jpg"><o:p></o:p></p><p style='line-height:14.4pt;background:white'><span style='font-family:"Arial","sans-serif";color:#773B6A'>Wednesday 12 February 2014 Unite Building, London </span><span style='color:#773B6A'><o:p></o:p></span></p><p style='line-height:14.4pt;background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#773B6A'>With <b><span style='background:white'>Bryn Davies, Director, Union Pensions Service,</span></b></span><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D;background:white'> </span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#A07997;background:white'>Craig Berry, University of Sheffield,</span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D;background:white'> </span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#773B6A;background:white'>Neil Duncan-Jordan, National Pensions Convention,</span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D;background:white'> </span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#A07997;background:white'>Michael Ford QC, Old Square Chambers,</span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D;background:white'> </span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#773B6A;background:white'>Christine Haswell, PCS,</span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D;background:white'> </span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#A07997;background:white'>Glyn Jenkins, UNISON. </span></b><o:p></o:p></p><p class=MsoNormal style='line-height:150%'><span style='font-family:"Arial","sans-serif";color:#A07997'><a href="http://www.ier.org.uk/events/pensions-changes-and-challenges"><span style='color:#A07997'>Book now</span></a></span><span style='color:#A07997'><o:p></o:p></span></p></td></tr></table></td></tr></table></td><td valign=top style='background:#FDFDFD;padding:7.5pt 7.5pt 7.5pt 7.5pt'><p class=MsoNormal align=right style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:right;line-height:14.4pt;background:white'><span style='font-family:"Arial","sans-serif";color:#A07997'>Book now for <a href="http://www.ier.org.uk/events/pensions-changes-and-challenges"><span style='color:#A07997'>London</span></a></span><span style='color:#A07997'><o:p></o:p></span></p><h2 style='mso-margin-top-alt:3.0pt;margin-right:0cm;margin-bottom:12.0pt;margin-left:0cm;background:white'><i><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#773B6A'>Policy Exchange think tank ignores cost of living struggle in backwards proposals to tackle “pensioner poverty”</span></i><i><u><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'><br></span></u></i><span style='font-size:9.0pt;font-family:"Arial","sans-serif";color:#A07997'>Authored by Laura Ryder</span><i><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#773B6A'><o:p></o:p></span></i></h2><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'>Policy Exchange – a think tank led by Tory MPs – has proposed the Help to Save scheme to force people into pensions contributions in order to tackle the problem of “pensioner poverty”. <br><br>Whilst avoiding pensioner poverty is an extremely important issue, the IER is sceptical about the proposed scheme as it will make life even harder for those who are already struggling to make ends meet. It seems that the proposal will have a direct negative effect on workers and their wages. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'><br>Policy Exchange thinks that people should be banned from opting-out of workplace pensions. In addition, the think tank wants to see a system where as people’s salary increases, a higher amount of the wage will be automatically redirected to pension savings. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'>The report says that someone on an average salary, should, according to Policy Exchange, be saving over six times they are at the moment to generate the government's recommended income of £16,200.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'>Currently, the average pension pot is estimated by the think tank to be £36,800, which would only generate a retirement income of £1,340 at today’s annuity rates. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'><br>Whilst it is true that many people’s retirement income is too low, the problem with the proposal made by Policy Exchange is that workers’ salaries are already so low they are often subsidised by the government through working tax credits, and even those once defined as middle classed are struggling to make ends meet due to rocketing living costs.<br><br>If workers are forced to remove money from their wages in order to contribute to their pensions, they would be struggling even more than they already are. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'>Policy Exchange, it seems, have got the situation backwards. While it is laudable to fight poverty among the elderly, one cannot achieve this by putting even more pressure on today’s poor. A realistic increase in wages for those on low pay must be seen if Britain is to weather the growing pensions bill in the future.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'>If you are interested in the fight for a fair pension for workers, the IER is hosting a conference in London on February 12, at the Unite Building. The conference will address the use of pensions and what we can do to improve the situation. <br><br>We urge you to come along as we will be joined by a vast number of experts on the subject who will provide an insight into the situation. We hope to see you there. </span><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'><o:p> </o:p></span></p></td></tr></table></div></td></tr><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:450.0pt;background:#FAFAFA;border-collapse:collapse'><tr><td valign=top style='border:none;border-top:solid #909090 2.25pt;padding:0cm 0cm 0cm 0cm'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td colspan=2 style='background:white;padding:7.5pt 7.5pt 7.5pt 7.5pt'><p class=MsoNormal style='line-height:125%'><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'> <a href="http://Twitter+Account+not+yet+Authorized" target="_blank"><span style='color:#336699'>follow on Twitter</span></a> | <a href="#13cd95d4fa399bcb_"><span style='color:#336699'>friend on Facebook</span></a> | <a href="http://us5.forward-to-friend.com/forward?u=bfce15d9bb37b64de42086ad2&id=65c8330066&e=f3c546ffe5" target="_blank"><span style='color:#336699'>forward to a friend</span></a> </span><o:p></o:p></p></td></tr><tr><td width=350 valign=top style='width:262.5pt;padding:7.5pt 7.5pt 7.5pt 7.5pt'><p class=MsoNormal style='line-height:125%'><em><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'>Copyright © 2013 IER, All rights reserved.</span></em><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'> <br>You are receiving this email because you signed up to our mailing list on our website or at one of our events. <br><strong><span style='font-family:"Arial","sans-serif"'>Our mailing address is:</span></strong> </span><o:p></o:p></p><div><p class=MsoNormal style='line-height:125%'><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'>IER</span><o:p></o:p></p><div><div><p class=MsoNormal style='line-height:125%'><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'>4th Floor</span><o:p></o:p></p></div><div><p class=MsoNormal style='line-height:125%'><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'>Jack Jones House, 1 Islington</span><o:p></o:p></p></div><p class=MsoNormal style='line-height:125%'><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'>Liverpool, Eng L3 8EG </span><o:p></o:p></p><div><p class=MsoNormal style='line-height:125%'><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'>United Kingdom</span><o:p></o:p></p></div><p class=MsoNormal style='line-height:125%'><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'><br><a href="http://ier.us5.list-manage.com/vcard?u=bfce15d9bb37b64de42086ad2&id=c042dcd768" target="_blank">Add us to your address book</a></span><o:p></o:p></p></div></div></td><td width=190 valign=top style='width:142.5pt;padding:7.5pt 7.5pt 7.5pt 7.5pt'><p class=MsoNormal style='line-height:125%'><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'><a href="http://www.mailchimp.com/monkey-rewards/?utm_source=freemium_newsletter&utm_medium=email&utm_campaign=monkey_rewards&aid=bfce15d9bb37b64de42086ad2&afl=1" target="_blank"><span style='text-decoration:none'><img border=0 width=139 height=54 id="_x0000_i1027" src="http://cdn-images.mailchimp.com/monkey_rewards/MC_MonkeyReward_15.png" alt="Email Marketing Powered by MailChimp"></span></a></span><o:p></o:p></p></td></tr><tr><td colspan=2 style='background:#FAFAFA;padding:7.5pt 7.5pt 7.5pt 7.5pt'><p class=MsoNormal style='line-height:125%'><span style='font-size:8.5pt;line-height:125%;font-family:"Arial","sans-serif";color:#707070'> </span><b><i><span style='font-family:"Arial","sans-serif"'>To unsubscribe, please follow the instructions in the footer. 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