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Personal Investment: financial planning in an uncertain world

by Mariana Mazzucato, Jonquil Lowe, Alan Shipman and Andrew Trigg

Weblinks - chapter specific

Introduction


www.investmentuk.org/news/speeches/2009/CFAspeechbyRobertJenkinsApr2009.pdf
Speech given by Robert Jenkins, Chairman, Investment Management Association to the CFA Society of the UK (30 Apr 2009), calling for greater engagement

www.johnmcfall.com/news2.aspx?i_PageID=105425
‘John McFall MP urges FSA to investigate potential mis-selling’ (John McFall’s website)

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Chapter 1 From saving to investment


www.bba.org.uk/bba/jsp/polopoly.jsp?d=145&a=7874
‘Banks’ commitment to financial inclusion continues’ (British Bankers’ Association, 16 Nov 2006)

http://europa.eu/rapid/pressReleasesAction.do?reference=MEMO/08/344&format=HTML&aged=0&language=EN&guiLanguage=en
‘Financial inclusion – ensuring adequate access to financial services’ (EU Commission, 2008), stating EU policy recommendations for tackling financial exclusion, which is closely linked to social exclusion

http://www.juniperresearch.com/shop/viewwhitepaper.php?id=167&whitepaper=79
‘Banking on the Mobile’ white paper (Juniper Research, 2009)

http://www.bankofengland.co.uk/publications/fsr/2008/fsrfull0810.pdf
‘Financial Stability Report’ (Bank of England, Oct 2008), highlighting the impact of interventions and future challenges

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Chapter 2 Investment choices


www.neilfingletonlive.com
Official website of the UK’s tallest living man

www.ic.nhs.uk/webfiles/publications/HSE07/Health%20Survey%20for%20England%202007%20Latest%20Trends.pdf
‘Health survey for England 2007: latest trends’ (NHS Information Centre, 2007)

www.statistics.gov.uk/StatBase/Product.asp?vlnk=930&Pos=1&ColRank=1&Rank=272
‘Share ownership’ (Office for National Statistics, 2007), reporting details of beneficial ownership of UK listed companies

www.statistics.gov.uk/CCI/nugget.asp?ID=1277&Pos=&ColRank=1&Rank=224
‘Private pension scheme membership’ (Office for National Statistics, 2008)

www.statistics.gov.uk/statbase/TSDtables1.asp
‘Composite price index’ (Office for National Statistics, 2009)

www.oecd.org/dataoecd/18/1/42443150.pdf
‘Economic outlook: interim report’ (Organisation for Economic Co-operation and Development, 2009)

www.AboutCreditRatings.com
‘Guide to credit rating essentials’ (Standard & Poor’s, 2009), explaining what credit ratings are and are not

http://nobelprize.org/nobel_prizes/economics/laureates/1992/becker-lecture.pdf
‘The economic way of looking at life’ (Nobel Prize lecture), 1992 laureate extends economic theory to aspects of human behavior

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Chapter 3 Risk–return strategies

www.dwp.gov.uk/pensionsreform/new_way.asp
‘Personal accounts: a new way to save’ white paper (Department for Work and Pensions, 2006), outlining workplace pension reforms due to come into effect in 2012

http://research.dwp.gov.uk/asd/asd5/summ2007-2008/434summ.pdf
‘Attitudes to saving for retirement among adults under state pension age’ (Department for Work and Pensions, 2006), reporting key findings from the Attitudes to Pensions survey

www.fidelity.co.uk/investor/research-funds/fund-supermarket/factsheet/performance.page?idtype=ISIN&fundid=GB0006778574&UserChannel=Direct
Performance statistics for the Newton Balanced Income Fund (Fidelity International)

www.investmentuk.org/statistics/sector_definitions/fund_class.asp
‘UK fund sector classifications’ (Investment Management Association)

www.mercer.com/referencecontent.htm?idContent=1301240
‘European asset allocation survey’ (Mercer, 2008)

www.moneysavingexpert.com/savings/ISA-guide-savings-without-tax
‘Full ISA guide’ (moneysavingexpert.com), explaining Individual Savings Accounts

www.morningstar.co.uk/uk/snapshot/snapshot.aspx?tab=7&id=F0GBR04RQD
‘Historical performance of Newton Balanced Income Fund versus peer group and benchmark index’ (Morningstar)

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Chapter 4 Markets and players

www.europeansecuritisation.com/Market_Standard/ESF_Data_Report_Q4_2008.pdf
‘Securitisation Data Report Q4’ (European Securitisation Forum, 2008), emphasising unprecedented market turbulence poses challenges for securitisation

www.fsa.gov.uk/pages/About/What/rdr/qual_update.shtml
‘Qualifications update and what you can do now’ (Financial Services Authority, 2009), providing update on the introduction of a new "RDR compliant" qualification for advisers

www.isda.org/statistics/pdf/ISDA-Market-Survey-historicaldata.pdf
‘Market survey results’ (International Swaps and Derivatives Association, 2008)

www.publications.parliament.uk/pa/cm200708/cmselect/cmtreasy/371/37105.htm#a15
‘Sixth report. Section 2: Changes in financial markets’ (Treasury Select Committee, 2008)

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Chapter 5 Economic fluctuations

www.bankofengland.co.uk/publications/news/2007/003.htm
‘News Release: Bank of England Raises Bank Rate by 0.25 Percentage Points to 5.25%‘ (Bank of England, 11 Jan 2007)

www.bankofengland.co.uk/monetarypolicy/framework.htm
‘Monetary Policy Framework’ (Bank of England, 2009)

www.communities.gov.uk/housing/housingresearch/housingstatistics
‘Housing statistics’ (Communities and Local Government, 2009)

www.ecb.europa.eu/mopo/intro/benefits
‘Benefits of price stability’ (European Central Bank, 2009)

www.europa.eu/econom_finance/db_indicators/db_indicators8650_en.
‘Business and consumer surveys’ (European Commission, 2009)

www.ecb.int/press/key/date/2005/html/sp050608.en.html
‘Asset Price Bubbles and Monetary Policy’, speech by the President of the European Central Bank (2005)

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Chapter 6 Bubbles and investment behaviour

www.marketoracle.co.uk/Article11150.html
‘The Great Crash Not Over, Stocks Bear Market Rally Built on Sand’ (Global Research, 6 Jun 2009)

http://uk.finance.yahoo.com/q/hp?s=%5EIXIC
NASDAQ Composite (^IXIC) Historical Series 1994–2008

http://money.cnn.com/magazines/moneymag/moneymag_archive/2000/05/01/278208/index.htm
‘Is Biotech Flaming Out?’ (Money Magazine, 1 May 2000)

www.fri.fujitsu.com/open_knlg/review/rev061/08forlamenglish.pdf
‘The American economy following the information technology bubble and terrorist attacks’ (Fujitsu Research Institute Economic Review)

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Chapter 7 Regulating the financial system

www.bankofengland.co.uk/about/legislation/mou.pdf
‘Memorandum of Understanding between HM Treasury, the Bank of England and the Financial Services Authority’ (Bank of England, 1997)

http://news.bbc.co.uk/1/hi/business/2070271.stm
‘Pensions scandal costs £11.8’ (BBC News, 27 Jun 2002)

http://news.bbc.co.uk/go/pr/fr/-/1/hi/business/7950758.stm
‘Can banking regulation go global?’ (BBC News, 18 Mar 2009)

www.becker-posner-blog.com/index.html
The Becker-Posner Blog is moving to http://uchicagolaw.typepad.com/beckerposner/

www.independent.co.uk/news/uk/home-news/bankers-16316bnbonus-bonanza-965445.html
‘Bankers' £16bn bonus bonanza’ (The Independent, 18 Oct 2008)

www.guardian.co.uk/business/2002/jun/09/theobserver.observerbusiness9/print
‘Basel II: the regulators strike back’ (The Observer, 9 Jun 2002 )

http://ec.europa.eu.internal_market/bank/regcapital/index_en.htm
‘Regulatory capital’ ( European Commission, 2009)

www.guardian.co.uk/money/2009/jun/21/financial-advisers-fsa-reform
‘Question of the week: Do we really need a change to the way financial advisers operate?’ (The Observer, 21 Jun 2009)

http://news.bbc.co.uk/newsbeat/hi/the_p_word/newsid_7642000/7642992.stm
‘Savers react to Bradford and Bingley rescue’ (BBC Radio 1 Newsbeat, 29 Sep 2008)

www.fsa.gov.uk/pubs/other/concordat_fsa_off.pdf
‘A concordat between the Office of Fair Trading and the Financial Services Authority’ (Financial Services Authority, 2006)

www.econlib.org/library/Essays/hykKnw1.html
‘The use of knowledge in society’ (American Economic Review, 1945)

www.independent.co.uk/news/business/analysis-and-features/the-buck-stops-here-the-most-powerfulfinancial-regulator-in-the-world-630040.html
‘The buck stops here: The most powerful financial regulator in the world’ (The Independent, 3 Oct 2001)

http://business.timesonline.co.uk/tol/business/industry_sectors/banking_and_finance/article6070045.ece
‘MPs look at possibility of breaking up the banks’ (The Times, 10 Apr 2009)

www.marciniak.waw.pl/NEW/635202/RI13.pdf
‘Risk management’ (Marciniak, 2005)

www.bbc.co.uk/blogs/newsnight/paulmason/2009/02/a_financial_elite_in_disarray.html
‘A financial elite in disarray’ (11 Feb 2009), blog of BBC Newsnight’s economics editor, Paul Mason

www.independent.co.uk/news/business/lloyds-fined-overpensions-misselling-1282338.html
‘Lloyds fined over pensions mis-selling’ (The Independent, 9 Jan 1997)

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Chapter 8 Conclusion: investing for the long term

www.news.bbc.co.uk/1/hi/business/6407909.stm
‘Head to head: property or pension?’ (BBC News, 2007)

www.epp.eurostat.eu
‘Community statistics on income and living conditions’ (Eurostat, 2009)

www.tuc.org.uk/extras/PensionsWatch2009.pdf
‘PensionsWatch 2009’ (Trades Union Congress), reporting on occupational pensions in the UK

www.un.org/en/documents/udhr/
‘Universal Declaration of Human Rights’ (on the United Nations website)

www.watsonwyatt.com/news
‘Pension scheme closure: nuclear option becoming the norm’ – press release 17 Aug 2009 (Towers Watson was formerly Watson Wyatt) www.towerswatson.com

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