The Queen "fights for gay rights" . . . oh really?

Interrogating the Mail on Sunday's tissue-thin front-page story.

Good old The Queen, eh? In between waving and opening garden centres, she's now become a female Peter Tatchell.

At least, that's what today's Mail on Sunday front page story would have you believe with its front page headline: Queen fights for gay rights.

Simon Walters, who was this week named Political Journalist of the Year at the British Press Awards, reports:

The Queen will tomorrow back an historic pledge to promote gay rights and ‘gender equality’ in one of the most controversial acts of her reign. In a live television broadcast, she will sign a new charter designed to stamp out discrimination against homosexual people and promote the ‘empowerment’ of women – a key part of a new drive to boost human rights and living standards across the Commonwealth. 

Leaving aside "an historic" - which makes me wince - what is this controversial pledge? It's the new Commonwealth Charter, which states: "We are implacably opposed to all forms of discrimination, whether rooted in gender, race, colour, creed, political belief or other grounds."

Walters reports:

The ‘other grounds’ is intended to refer to sexuality – but specific reference to ‘gays and lesbians’ was omitted in deference to Commonwealth countries with draconian anti-gay laws.

So, to recap: the Queen is today making a speech about the new Commonwealth Charter, which she did not write, and indeed, she did not have any say in its wording. In the charter, there is a reference to discrimination on "other grounds", which are not made explicit.

Furthermore, as Walters himself acknowledges, several Commonwealth countries have harsh anti-gay laws. In Uganda, for example, homosexuality is already criminal offence: but that was not enough, and in 2009 legislators tried to institute the death penalty as punishment. That "Kill The Gays Bill" is still working its way through parliament. Homosexuality is also illegal in Trinidad and Tobago, Nigeria, Tanzania, Pakistan and others (see a full list of Commonwealth countries here and of anti-gay laws here).

So: the charter says nothing about gay rights, and several Commonwealth countries execute gay people. It would clearly be wonderful if the Queen were fighting for gay rights, but . . . she's really not.

So what's this story all about?

In her speech, the Queen is expected to stress that the rights must ‘include everyone’ - and this is seen as an implicit nod to the agenda of inclusivity, usually championed by the Left.

. . .

Insiders say her backing for full ‘gender equality’ and ‘women’s empowerment’ – using language until recently considered the preserve of Left-wing activists – is equally significant. 

Oh, the Left. I knew they would have something to do with it. To be honest, I think the Queen - the head of state of more than a dozen countries - is fine with "women's empowerment". Who needs to wear a Union Jack dress when your face is on everyone's money?

Disco Queen. Photo: Getty

Helen Lewis is deputy editor of the New Statesman. She has presented BBC Radio 4’s Week in Westminster and is a regular panellist on BBC1’s Sunday Politics.

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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/