Skip to content The Open University

Profile summary

  • Central Academic Staff
  • Senior Lecturer in Economics and Personal Finance
  • Faculty of Arts & Social Sciences
  • School of Polis, Phil, Econ, Dev, Geog
  • Economics
  • 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. I now combine working as an academic with freelance work. I am a Senior Fellow of the Higher Education Academy.

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. Jointly responsible for the Financial Innovation and Equity theme in the IKD Research Centre and member of the True Potential Centre for the Public Understanding of Finance (PUFin).

A repository of research publications and other research outputs can be viewed at The Open University's Open Research Online. Recent working papers are available on the PUFin website.

Books

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

Lowe, J. (2013) Pensions Explained London, Which? Books.

Lowe, J., 2011, Giving and inheriting: tax-efficient ways to pass on money, London: Which? Books.

Lowe, J. and Williams, S., 2010, The FT Guide to Personal Tax, Harlow: Pearson Education.

Lowe, J. 2010, Be Your Own Financial Adviser, Harlow: Pearson Education.

Lowe, J. 2009, Personal Finance Handbook London: Child Poverty Action Group/ Services Against Financial Exclusion.

Lowe, J., 2009, Finance Your Retirement, London: Which? Books.

Lowe, J., 2008, Save and Invest, London: Which? Books.

As a contributor

Lowe, J., 2012, 'Pensions' in Callaghan, G., Fribbance, I. and Higginson, M. (eds), 2012 Personal Finance, Chichester: John Wyley/Open University.

Rutterford, J. and Lowe, J., 2012, 'Savings and investments' in Callaghan, G., Fribbance, I. and Higginson, M. (eds), 2012 Personal Finance, Chichester: John Wyley/Open University.

Lowe, J., 2012, 'Where to go for advice' in Tolley's Finance and Law for the Elderly Client, LexisNexis Butterworth.

Lowe, J., 2012, 'Equity release' in Tolley's Finance and Law for the Elderly Client, LexisNexis Butterworth.

Lowe, J., 2010, 'Investment choices' in Mazzucato, M., Lowe, J., Shipman, A. and Trigg, A., 2010, Personal Investment, Palgrave Macmillan/The Open University.

 

Teaching interests

Qualification Director for the Foundation Degree in Financial Services (X10) and Diploma of Higher Education in Financial Services (W10).

Faculty Employability Lead, championing the embedding of employability skills into our curriculum.

Member of the module team for Personal investment in an uncertain world (DB234) and jont module team chair for You and your money: personal finance in context (DB123) course team. Joint lead educator for Future Learn MOOC, Challenging Wealth and Income Inequality. Tutor on DB123.

Research Activity

Research groups

NameTypeParent Unit
Financial History GroupGroupThe Faculty of Business and Law

Publications

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)
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
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
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)
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.