Ms Jonquil Lowe

Professional biography

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. (ed) (2022) 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.
Lowe, J. (2015) 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.

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.
Lowe, J. and Higginson, M. (2018) 'Expenditure' in De Henau, J. and Lowe, J (eds), (2018) Personal Finance, Milton Keynes, Open University.
Lowe, J. and Fribbance, I. (2018), 'Insurance' in De Henau, J. and Lowe, J (eds), (2018) Personal Finance, Milton Keynes, Open University.
Lowe, J., (2018) 'Pensions' in De Henau, J. and Lowe, J (eds), (2018) Personal Finance, Milton Keynes, Open University.

Module Team Co-Chair of production, DD217 Running the Economy

External Examiner, Glasgow Caledonian University.

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.

Tutor on DB125

Consultancies and commissioned projects with, for example, Money and Pensions Service (and its predecessors), Financial Services Consumer Panel, Financial Conduct Authority and former Financial Services Authority, National Audit Office, Which?, Macmillan Cancer Care, Age UK, former National Consumer Council, Royal London Group.
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 and Consumer Evaluation Framework Expert Advisory Group
Oral and written evidence to Parliamentary Public Bill Committee here
Oral and written evidence to House of Lords Financial Exclusion Committee here

Alliance of Financial Capability Academics (jointly founded by Massey University and Open University) Further information here