"Plastic Brits": are some Olympians more worthy of a cheer than others?

Screaming about "plastic Brits" may be a rare example of the <em>Mail</em> getting its own readers wrong.

You could almost sense the weariness from UK athletics head coach Charles van Commenee last week when asked to comment on whether his athletes would know all the words to the national anthem in time for the London Olympics.

“They know the words, or they will,” said Van Commenee. “If they don't, somebody will make an issue of it.”

Van Commenee, himself from the Netherlands, has faced repeated sneers and whines over the authenticity of his squad ahead of the 2012 games. He is too polite to say out loud who that "somebody" is. But I’m here to remind you, if you hadn’t guessed already, that you need look no further than the usual suspects.

The Daily Mail has featured no fewer than 208 articles about "plastic Brits" in the run-up to the games. As Sunder Katwala wrote for the New Statesman earlier this year, it smacks of a strange attempt to decide who is and who isn’t British enough to be supported.

One typically klaxonic "plastic Brit" Mail article was published in March, after US-born Tiffany Porter was named captain of the women’s indoor athletics team, with the headline "NOW THE PLASTIC BRITS ARE TAKING OVER!" The appointment was described as "controversial", though no-one was quoted disagreeing with it.

There have been some comparisons to Zola Budd, the South African runner who speedily received a British passport in time to run in the 1984 Los Angeles Olympics. But Budd’s lightning conversion to Britishness was a different story: this was a runner who couldn’t compete for the land of their birth due to the sporting embargo on South Africa, so chose Britain instead, with a little help from some hastily-cut red tape.

There were no such qualms at the time of Porter’s appointment about the men’s captain, Somali-born Mo Farah. The long-distance runner has made the opposite journey across the Atlantic to Porter, and is now living in the United States with his family to prepare for the Olympics. Is he more or less "British" than Porter because of that? Or do they both have equal claims to wear the Team GB colours in London?

Farah arrived as a refugee from his war-ravaged birthplace in Britain aged eight, just knowing three phrases in English: “Excuse me”, “Where is the toilet?” and “C’mon then!” but has become of the best-loved stars of Team GB, winning gold and silver medals at the Daegu World Athletics Championships last year.

He’s just one of a huge number of foreign-born sports stars to have gained huge success in Britain. England’s cricket captain, Andrew Strauss, lived in South Africa until he came to Britain aged six – his predecessor, Kevin Pietersen, also came to Britain from South Africa, aged 17. The England cricket team has a long and often successful history of nurturing talent from across the globe and making them wear three lions on their shirts.

So what’s different about Porter and the other "plastic Brits"? Like Van Commenee, perhaps it’s just a case of some newspapers attempting to press the outrage buttons of their readers by questioning "immigrants coming over here, taking our Olympic places" just as they have previously screamed about Polish plumbers or Slovakian single mums.

National identity is a complex thing, though. Lancastrian Mark Lawrenson, a Republic of Ireland international, even questioned whether Lukas Podolski was an echt [real] German during football commentary the other night. When Lewis Hamilton won the Canadian Grand Prix at the weekend, he grabbed a Union Jack in celebration – and later added that seeing Grenadian flags (his grandfather came to Britain from the Caribbean island) had inspired him too.

Maybe it doesn’t matter where you’ve come from, or where you’re going to, or what national anthem you know all the words to, but where you feel is home. "Plastic Brit" is a fairly odious term that aims to regard some Brits as being more worthy of a flag-wave or a cheer than others. Does that really represent how even Mail readers feel about Team GB? I suspect this could be one rare occasion where they have got their own readers wrong.

Plastic Brit? Mo Farah after winning a race in Oregon earlier this month. Photograph: Getty Images

Patrolling the murkier waters of the mainstream media

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Stability is essential to solve the pension problem

The new chancellor must ensure we have a period of stability for pension policymaking in order for everyone to acclimatise to a new era of personal responsibility in retirement, says 

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company final salary pension, often a fairly generous figure, which also paid out to a spouse or partner on death.

That normality simply doesn’t exist for most people in 2016. There is much less certainty on what retirement looks like. The genesis of these experiences also starts much earlier. As final salary schemes fall out of favour, the UK is reaching a tipping point where savings in ‘defined contribution’ pension schemes become the most prevalent form of traditional retirement saving.

Saving for a ‘pension’ can mean a multitude of different things and the way your savings are organised can make a big difference to whether or not you are able to do what you planned in your later life – and also how your money is treated once you die.

George Osborne established a place for himself in the canon of personal savings policy through the introduction of ‘freedom and choice’ in pensions in 2015. This changed the rules dramatically, and gave pension income a level of public interest it had never seen before. Effectively the policymakers changed the rules, left the ring and took the ropes with them as we entered a new era of personal responsibility in retirement.

But what difference has that made? Have people changed their plans as a result, and what does 'normal' for retirement income look like now?

Old Mutual Wealth has just released. with YouGov, its third detailed survey of how people in the UK are planning their income needs in retirement. What is becoming clear is that 'normal' looks nothing like it did before. People have adjusted and are operating according to a new normal.

In the new normal, people are reliant on multiple sources of income in retirement, including actively using their home, as more people anticipate downsizing to provide some income. 24 per cent of future retirees have said they would consider releasing value from their home in one way or another.

In the new normal, working beyond your state pension age is no longer seen as drudgery. With increasing longevity, the appeal of keeping busy with work has grown. Almost one-third of future retirees are expecting work to provide some of their income in retirement, with just under half suggesting one of the reasons for doing so would be to maintain social interaction.

The new normal means less binary decision-making. Each choice an individual makes along the way becomes critical, and the answers themselves are less obvious. How do you best invest your savings? Where is the best place for a rainy day fund? How do you want to take income in the future and what happens to your assets when you die?

 An abundance of choices to provide answers to the above questions is good, but too much choice can paralyse decision-making. The new normal requires a plan earlier in life.

All the while, policymakers have continued to give people plenty of things to think about. In the past 12 months alone, the previous chancellor deliberated over whether – and how – to cut pension tax relief for higher earners. The ‘pensions-ISA’ system was mooted as the culmination of a project to hand savers complete control over their retirement savings, while also providing a welcome boost to Treasury coffers in the short term.

During her time as pensions minister, Baroness Altmann voiced her support for the current system of taxing pension income, rather than contributions, indicating a split between the DWP and HM Treasury on the matter. Baroness Altmann’s replacement at the DWP is Richard Harrington. It remains to be seen how much influence he will have and on what side of the camp he sits regarding taxing pensions.

Meanwhile, Philip Hammond has entered the Treasury while our new Prime Minister calls for greater unity. Following a tumultuous time for pensions, a change in tone towards greater unity and cross-department collaboration would be very welcome.

In order for everyone to acclimatise properly to the new normal, the new chancellor should commit to a return to a longer-term, strategic approach to pensions policymaking, enabling all parties, from regulators and providers to customers, to make decisions with confidence that the landscape will not continue to shift as fundamentally as it has in recent times.

Steven Levin is CEO of investment platforms at Old Mutual Wealth.

To view all of Old Mutual Wealth’s retirement reports, visit: www.oldmutualwealth.co.uk/ products-and-investments/ pensions/pensions2015/