The controversial campaign literature. Photo: Twitter/@guardian
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"It's sad they've sunk to such depths": Tories use Ukip candidate's Turkish name on a leaflet

The Conservatives in Thurrock have been accused of "cheap" tactics by putting Ukip candidate Tim Aker's little-used full Turkish name on a campaign leaflet.

The constituency of Thurrock is going to be a tough battle in the build up to May. It has become a three-way marginal, with Ukip polling top and Labour scrabbling to beat it to unseating the Conservative MP, Jackie Doyle-Price, who has a majority of just 92 votes.

Perhaps in this messy political tangle, dirty campaigning is only to be expected. And indeed, the Conservatives in Thurrock have been accused of "incredibly cheap" tactics, by sending round a leaflet calling the Ukip candidate in the seat, Tim Aker, by his little-used full Turkish name, "Timür Aker". This is thought to be an incendiary move, considering the sensitive immigration concerns pervading the constituency.

"We feel it pretty sad that they've sunk to such depths," a Ukip source close to Aker tells me.

The Guardian has tweeted a picture of the leaflet, which also includes pictures of the radical clerics Abu Qatada and Abu Hamza:

Tim Aker, who is also an MEP for the southeast and Ukip's Policy Unit chief, is quoted in the Guardian giving his reaction to the leaflet:

I think they are just getting desperate. They will find anything. It is incredibly cheap of them. But freedom of speech is what it is and the public will judge them on it.

I am not calling on them to stop using the leaflet. They can carry on doing what they do. I am not going to try and stifle their rights to freedom of speech. But they have got to bear the responsibility for it.

Aker, whose father is Turkish, began to shorten his name to "Tim" when he was at school. His name is very rarely written in full, which is why it is thought to be a pointed move by the Tories on their campaign literature. However, Doyle-Price told the Telegraph that she does not consider this a "big deal". Although she admitted it was "childish", she said:

Frankly, I don't consider this a big deal at all . . .

If I'm honest with you I think by referring to his Turkish heritage we've actually given him credibility because frankly having roots from overseas is nothing to be ashamed of. Actually they are something to be proud of.

What we've done is actually broadcast the fact that Tim is just as much a citizen with diverse roots as anybody else in this country. It's probably going to do him a favour.

Anoosh Chakelian is deputy web editor at 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/