No, Farage, the protesters weren't anti-English, they were anti-UKIP

It's right-wing bigotry that the protesters are "virulently opposed" to, not "the English".

If Nigel Farage is to be believed, the protesters who forced him to abandon his planned press conference at a pub in Edinburgh yesterday, were Scottish nationalists "virulently opposed to the English". In an interview on the Today programme this morning, he challenged Alex Salmond to "come out and condemn this sort of behaviour", declaring that "they were all campaigners for independence, they were all people who vote SNP. They were all united by a hatred of the English, the union jack and everything the UK represents."

But while it's politically convenient for Farage to dismiss the protesters as nationalist bigots, you will search in vain for any evidence to support his claim. Those who disrupted the press conference shouted "racist", "scum" and "homophobe", words which suggest that the protest had more to do with UKIP's opposition to gay marriage and its anti-immigration policies than it did with Farage's nationality. For one thing, if SNP supporters are motivated by anti-Englishness, why aren't Labour, Lib Dem and Tory politicians mobbed whenever they set foot in Scotland? 

Rather than naïvely accepting Farage's characterisation of the protesters, (as some anti-independence Labourites have done), it seems reasonable to let them speak for themselves. 

John Martin, the president of the Edinburgh College Students' Association, said: "We organised yesterday's protest against Farage out of a belief that UKIP's policies are fundamentally rotten. Their headline five-year immigration freeze is not only completely disconnected from reality, but is a policy that neither the people of Scotland nor the rest of the United Kingdom would stomach. His regressive and repugnant ideology is not far removed from that of the BNP - just dressed in a better-fitting suit."

A spokesman for the Radical Independence Campaign said: "This was about challenging someone whose party has been spouting racist, sexist and homophobic bile and gone unchallenged for months. Everyone who opposes the politics of fear and division should unite against UKIP - whether you live in Scotland or England."

Farage's insistence, against all evidence to the contrary, that the protesters were united by a hatred of the English (a significant number were English) is amusingly at odds with the line adopted by his own party's spokesman yesterday: "Was it anti-English? I doubt it." 

In another interview, on Good Morning Scotland, Farage insisted: "The anger, the hatred, the shouting, the snarling, the swearing was all linked in to a desire for the Union Jack to be burnt." Note the peculiar phrasing: a "desire" for the Union Jack to be burnt. If the protesters loathe the English as much as Farage suggests what was stopping them setting light to the flag there and then?

One protester did invite the UKIP leader to "shove your union jack up your arse", but this stray quip hardly summed up the spirit of the demonstration (nor was it obviously anti-English). 

The protesters may have been foolish to greet Farage as they did (yesterday's events were a political gift to UKIP), but anti-English they were not. 

UK Independence Party leader Nigel Farage addresses the media in central London on May 3, 2013. Photograph: Getty Images.

George Eaton is political editor of the New Statesman.

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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/