Jonquil is an economist specialising in personal finance. Much of her work as a researcher and formerly as a journalist and consumer campaigner has concerned pensions, particularly the tension between individuals’ need for a secure income in eventual retirement and the risks and costs involved in saving over the long term. Jonquil started her working life in stockbroking, has headed the Money Research Team at Consumers’ Association (now called Which?) and freelanced with many consumer, regulatory and charitable organisations, as well as a few commercial providers, before joining the Economics Department at The Open University, so has a multi-dimensional view of personal finance. She is author of over 25 consumer books, most recently Pensions Explained published in 2013.