Ms Jonquil Lowe

Professional biography

I am an economist specialising in personal finance, previously working in stockbroking, then as head of money research at Which? before running my own contract research and journalism business for 25 years, writing some 30 books on personal finance along the way. I now combine working as an academic with freelance practitioner work.

Knowlege exchange work includes working as an independent consumer representative on the Finance and Leasing Association (FLA) Consumer Code Group, FLA Stakeholder Advisory Panel and the Open Banking Expert Consumer Group. I am a Senior Fellow of the Higher Education Academy and Associate Member of the Chartered Institute for Securities and Investments..

ORCID iD icon orcid.org/0000-0001-5828-3195

Research interests

Systems of pension provision; theorising and evaluating financial capability; causes of, and remedies for, consumer detriment in retail financial markets; consumer interface with the tax system; and retail financial regulation in the UK. Member of the Centre for Public Understanding of Finance, Institutions and Networks (PUFin).

A repository of research publications and other research outputs can be viewed at The Open University's Open Research Online. .

Books (selected)

Lowe, J. (2024) Be Your Own Financial Adviser, Harlow: Pearson Education. https://shepherd.com/best-books/insights-for-managing-your-money-wisely

Ring, P., Lowe, J. and Liu, L. (2024) Global Pension Challenges. Pensions, saving and retirement in the twenty-first century, London, Routledge.

Lowe, J. (ed) (2024) The Good Retirement Guide, London, Kogan Page (ranked best retirement planning book by Financial-Expert.co.uk).

Luu, L., Lowe, J., Ring, P. and Sahota, A. (eds) (2021) A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion, London, Routledge.

Lowe, J., Luu, L. and Butler, J. (2019) Essential Personal Finance. A Practical Guide for Employees, London, Routledge.
Luu, L., Lowe, J., Butler, J. and Byrne, A. (2017) Essential Personal Finance: A Practical Guide for Students, London, Routledge.

As a contributor (selected)

Lowe, J. (2022) 'Applying investment theory to practice' in Grable, J.E. and Chatterjee, S. (eds) De Gruyter Handbook of Personal Finance, De Gruyter.

Lowe, J., (2022) 'Where to go for advice' in Tolley's Finance and Law for the Elderly Client, LexisNexis Butterworth.
Lowe, J., (2022) 'Equity release' in Tolley's Finance and Law for the Elderly Client, LexisNexis Butterworth.

Teaching interests

I am co-investigator in two scholarship projects investigating the impact of generative AI on assessment and the curriculum. One project is ongoing; the final report for the other (funded by the NCFE Assessment Innovation Fund) is available here:

Developing robust assessment in the light of Generative AI (2024): https://law-school.open.ac.uk/research/developing-robust-assessment-light-generative-ai-developments?nocache=66c2faf57efb4

Module Team production member DD320 Doing Economics: environment, inequalities and innovation

Former external Examiner, Glasgow Caledonian University.

Former Module Team co-chair of production, D217 Running the Economy

Former Module Team Chair of production and joint-Chair of presentation, DD226 Economics in Practice.
Former Module Team Co-chair of production, DB125 You and Your Money.
Fomer Qualification Lead of Foundation Degree/Dip HE in Financial Services (now taught out).
Former Faculty Employability Lead.
Former Module Team Chair of presentation, DB234 Personal Investment in an Uncertain World (taught out).
Former Module Team Chair of production, DD209 Running the Economy.
Former Module Team production member, DB234 Personal Investment in an Uncertain World (taught out).
Former Module Team production and presentation member, DB123 You and Your Money (taught out).

Co-author of Future Learn MOOC, Challenging Wealth and Income Inequality.

Former tutor on DB125 and DB123

Impact and engagement

Member of the Policy Advisory Group, Women's Budget Group.
Independent consumer member of Finance and Leasing Authority Consumer Code Group and Stakeholder Advisory Panel.
Independent consumer member of Open Banking Expert Consumer Group
Oral and written evidence to Parliamentary Public Bill Committee here
Oral and written evidence to House of Lords Financial Exclusion Committee here

Research groups

Name	Type	Parent Unit
Financial History Group	Group	The Faculty of Business and Law

Publications

Journal articles

Comparing pension systems in the circular flow of income (2011-11)
Trigg, Andrew B. and Lowe, Jonquil T.
American Journal of Economics and Sociology, 70(5) (pp. 1248-1281)

Authored books

Be Your Own Financial Adviser: manage your money successfully through good times and bad (2024-09-03)
Lowe, Jonquil
ISBN : 978-1-292-45839-7 (print) 978-1-292-45840-3 (e-Pub) | Publisher : FT Publishing International | Published : Harlow, UK

Global Pension Challenges: Pensions, Saving and Retirement in the Twenty-First Century (1st ed.) (2024)
Ring, Patrick; Lowe, Jonquil and Luu, Lien
Contemporary issues in finance
ISBN : 9781003307280 | Publisher : Routledge | Published : Oxon, UK and New York, USA

Personal Investment: Financial Planning in an Uncertain World (2010)
Mazzucato, Mariana; Lowe, Jonquil; Shipman, Alan and Trigg, Andrew
ISBN : 978-0-230-24660-7 | Publisher : Palgrave Macmillan | Published : Basingstoke, UK

Book chapters

The retirement challenge (2024)
Lowe, Jonquil
In: Global Pension Challenges: Pensions, Saving and Retirement in the Twenty-First Century. Contemporary issues in finance (pp. 36-73)
ISBN : 9781003307280 | Publisher : Routledge | Published : Oxon, UK and New York, USA

The state and pensions (2024)
Lowe, Jonquil
In: Ring, Patrick J.; Lowe, Jonquil and Luu, Lien eds. Global Pension Challenges: Pensions, Saving and Retirement in the Twenty-First Century. Contemporary issues in finance (pp. 74-103)
ISBN : 9781003307280 | Publisher : Routledge | Published : Oxon, UK and New York, USA

Applying investing theory to practice (2022-03-21)
Lowe, Jonquil
In: Grable, John E. and Chatterjee, S. eds. De Gruyter Handbook of Personal Finance (pp. 287-303)
ISBN : 978-3-11-072749-4 | Publisher : Walter de Gruyter GmbH | Published : Berlin/Boston

Financial services and the role of government (2022-01)
Lowe, Jonquil
In: Luu, Lien; Lowe, Jonquil; Ring, Patrick John and Sahota, Amandeep eds. A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion (pp. 193-212)
ISBN : 9781032130996 | Publisher : Routledge | Published : Abingdon, UK

Overview of Financial Services (2022)
Lowe, Jonquil
In: Luu, Lien; Lowe, Jonquil; Ring, Patrick and Sahota, Amandeep eds. A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion (pp. 1-16)
ISBN : 9781032130996 | Publisher : Routledge | Published : Abingdon

Financial Crimes (2022)
Lowe, Jonquil
In: Luu, Lien; Lowe, Jonquil; Ring, Patrick John and Sahota, Amandeep eds. A Practical Guide to Financial Services (pp. 213-231)
ISBN : 9781032130996 | Publisher : Routledge | Published : Abingdon, UK

Policy Choices (2013)
Lowe, Jonquil
In: Santos, Cristina; Higginson, Martin; Himmelweit, Susan; Howells, Peter; Lowe, Jonquil; Mackintosh, Maureen; Morgan, Wyn; Parris, Stuart; Simonetti, Roberto; Stone, Hedley and Trigg, Andrew eds. Running the Economy (pp. 225-274)
ISBN : 978 1 7800 7329 3 | Publisher : The Open University | Published : Milton Keynes

Pensions (2011-11-04)
Lowe, J.
In: Callaghan, George; Fribbance, Ian and Higginson, Martin eds. Personal Finance (2nd edition) (pp. 273-324)
ISBN : 978-0-230-34811-0 | Publisher : Palgrave Macmillan/The Open University | Published : Basingstoke/Milton Keynes, UK

Savings and investments (2011-11-04)
Lowe, J. and Rutterford, J.
In: Callaghan, George; Fribbance, Ian and Higginson, Martin eds. Personal Finance (2nd edition) (pp. 174-228)
ISBN : 978-0-230-34811-0 | Publisher : Palgrave Macmillan/The Open University | Published : Basingstoke/Milton Keynes, UK

Investment choices (2010-03-30)
Lowe, Jonquil
In: Mazzucato, Mariana; Lowe, Jonquil; Shipman, Alan and Trigg, Andrew eds. Personal Investment: financial planning in an uncertain world (pp. 67-111)
ISBN : 978-0-230-24660-7 | Publisher : Palgrave Macmillan | Published : Basingstoke

Edited books

A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion (2022-01)
Luu, Lien; Lowe, Jonquil; Ring, Patrick and Sahota, Amandeep
Luu, Lien; Lowe, Jonquil; Ring, Patrick John and Sahota, Amandeep eds.
ISBN : 9781032130996 | Publisher : Routledge | Published : Abingdon, UK

Conference items

How Might We Create a Secondary Annuity Market that Works for Pensioners? (2016-05)
Brambley, Will and Lowe, Jonquil
In : ELSA’s 7th Anniversary Symposium (23 May 2016, London)

Other

Developing robust assessment in the light of Generative AI developments (2024-07)
Hardie, Liz; Lowe, Jonquil; Pride, Mychelle; Waugh, Kevin; Hauck, Mirjam; Ryan, Francine; Gooch, Daniel; Patent, Volker; McCartney, Kieran; Maguire, Claire; Richards, Mike and Richardson, Heather
NCFE; The Open University, Milton Keynes, UK.

Pensions and Gender Equality: Policy paper for the Commission on a Gender-Equal Economy (2020-01)
Lowe, Jonquil
Women's Budget Group

Consumers and competition: delivering more effective consumer power in retail financial markets (2017-07-17)
Lowe, Jonquil
Financial Services Consumer Panel, London, UK.

Access to Financial Services in the UK (2016-05-24)
Lowe, Jonquil; Collard, Sharon; Martin, Coppack and Simon, Sarkar
Financial Conduct Authority, London, UK.

Beyond Risk Profiling: Achieving better investment outcomes for consumers and industry (2015-10)
Collard, Sharon; Brambley, Will and Lowe, Jonquil
True Potential Centre for the Public Understanding of Finance, Open University, Milton Keynes, UK.

Whither UK annuities? Why lifetime annuities should still be part of good financial advice in the post-pension-liberalisation world (2014-07-25)
Lowe, Jonquil
International Longevity Centre UK (ILC-UK), London.

Faculty of Arts and Social Sciences

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