The great burqa/niqab/hijab debate

To ban or not to ban? And what to ban?

From the Independent:

The parliamentary leader of the ruling French party is to put forward a draft law within two weeks to ban the full-body veil from French streets and all other public places.

Extreme? Right-wing? The article continues:

Some senior figures on the left have supported the idea of a legal ban. So has Fadela Amara, a left-wing campaigner for the rights of Muslim women who entered Mr Sarkozy's government in 2007 as minister for urban development.

Most moderate Islamic leaders have sharply criticised the burqa but suggested that it was such a limited phenomenon in France that legislation was unnecessary and might alienate moderate Muslims.

The burqa, per se, is an Afghan tradition allowing a woman only a narrow gauze-covered eye-opening. It is little found in France. The Arab equivalent, the niqab, which has a narrow opening at eye-level, is only slightly more common.

A study by the French internal security services last year suggested that the total number of women wearing both types of full-body veil in France was around 2,000 -- out of a total French population of adult, Muslim women of about 1,500,000.

Two questions immediately come to mind:

1) In the middle of the worst economic crisis in living memory, how can France's ruling conservative party justify focusing its legislative energies on banning an item of clothing worn by 0.1 per cent of the French population of adult Muslim women (or 0.003 per cent of the French population as a whole)?

2) Why did the "French internal security services" commission a study on the burqa/niqab? Is it now deemed to be a national security risk? Do French intelligence agencies have nothing better to do with their time? No other threats to deal with, apart from 2,000 Muslim women with covered faces?

Then there is the matter of the clothing itself and distinguishing between the various types. I'm no fan of the burqa or the niqab myself, and have yet to be convinced of the Islamic legal reasoning behind either garment, but I do recognise the difference between the burqa and the niqab, on the one hand, and the hijab on the other.

Does Yasmin Alibhai-Brown? In her short comment piece on the Indie's news story, and in support of the French ban, she writes:

The use of the burqa has grown like a virus across the continent. Children as young as four are now dressed in hijab.

I like Yasmin Alibhai-Brown. I admire her columns and the clarity and passion of her arguments, even if I don't always agree with her. But if even she cannot distinguish between the burqa and the hijab, two very different garments, how then can she criticise journalists and politicians, on other occasions, for misunderstanding Islam and Muslims?

Yasmin says she endorses the French approach:

I don't like the way the French state or its right-wing parties operate but sometimes there are some good unintended consequences.

I would ask her: isn't this exactly what pro-war liberal lefties said when they got into bed with George W Bush over the Iraq war and the removal of Saddam? And we all know how that turned out . . .

Mehdi Hasan is a contributing writer for the New Statesman and the co-author of Ed: The Milibands and the Making of a Labour Leader. He was the New Statesman's senior editor (politics) from 2009-12.

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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: products-and-investments/ pensions/pensions2015/