What do Saudi Arabia and Ethiopia have in common?

The UK downplays their human rights abuses -- as always, when the countries in question are strategi

David Cameron is right to say that too many governments look the other way or find reasons for inaction when people are being slaughtered and human rights violated. But does the UK's own record match up to Cameron's soaring rhetoric?

While the UK is more assertive about human rights than many other countries and more willing to exert diplomatic and other forms of pressure in defence of them, UK action is far from consistent, and there are many areas where UK practice falls short of its declared policy and of international human rights standards.

Take Bahrain. The authorities there have been responsible for large-scale repression of popular demonstrations for democracy and the rule of law. More than thirty people have died since the start of the year, four as a result of torture and medical neglect, and many of the several thousand detained have claimed that they were tortured. Yet the UK's response to these abuses has been timid and ineffectual. Ministers talk up the possibilities of the Bahraini national dialogue and the need for reconciliation. But meaningful dialogue has little chance in a climate of repression and intimidation, when those guilty of human rights abuses have not been brought to account, where opposition figures are fearful of speaking out and the media is unable to report freely.

A similar silence characterises UK policy towards Saudi Arabia -- a country with whom the UK has extensive economic, military and security links. While the UK calls for democratic reform, human rights and the rule of law in Tunisia, Egypt, Libya and Syria, and has taken some significant and high-risk action in defence of them, it seems unwilling to speak out about major and systematic human rights violations in Saudi. Saudi Arabia continues to treat women as second-class citizens, with male guardians determining whether a woman may work, study, marry, travel or undergo certain medical procedures. Shia Saudis, a religious minority of around 10 percent of the population, are also treated as second-class citizens and migrant workers remain beholden to their employers in law and practices, and are sometimes kept in conditions resembling servitude.

In Africa too, the UK appears willing to downplay human rights abuses when the countries in question are strategically important like Ethiopia, or judged "development success stories" like Rwanda. In Ethiopia, the opposition is severely repressed, war crimes committed by the Ethiopian military in the Ogaden and Somalia have gone unpunished and donor aid money has been misused by the ruling party. In Rwanda, opposition parties are attacked and intimidated, independent journalists are arrested and their newspapers closed down, and no one in the Rwandan armed forces has been brought to account for war crimes committed in neighbouring Congo. Yet both countries are large recipients of UK development aid, and aid levels are set to grow over the next five years.

And on the issue of torture, the government is pressing ahead with a detainee inquiry that lacks teeth and real independence, when recent revelations of intimate relations between British intelligence services and the Gaddafi regime confirm the need for a more thoroughgoing and robust investigation into this country's involvement in torture and rendition.

It is to Cameron's credit that he is raising human rights in his address to the UN General Assembly and calling on other governments to act more determinedly in defence of them. But to be credible, and to win over sceptics elsewhere in the world, his government will need to show more consistency in tackling torture and rights abuses carried out by our friends and allies, and make sure that its own practice is consistent with international human rights standards.

David Mepham is the UK director of Human Right's Watch


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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/