Department: Finance and Business Law (FBL), Westminster Business School

Position: Head of Department of Finance and Business Law (FBL)

Contact:
+44 (0)20 7911 5000
gougho@westminster.ac.uk

Links:
Pensions Research Network
Pension Investment Academy

Education

PhD - Pensions, Dept of Actuarial Science, City University
MPhil - Pensions, London School of Economics
Postgraduate Certificate in Education, Institute of Education, University of London
BA  English Literature, University of Dublin

Professional memberships

Consultancy and professional practice

Professor Gough has over 25 years experience, both full and part-time, in public and private equity markets. She was a key member of the team through the major European privatisations (BT, Deutsche Telecom); the team was consistently rated in the upper reaches of Investor Surveys.  Also during this time, she obtained valuable skills in the merger and acquisitions of insurance, fund management and financial services companies, with clients such as Standard Life, AXA and the Royal Bank of Scotland. 

Over the course of her career, she has built up very extensive commercial experience across a wide range of purely commercial projects and commercial-academic joint ventures. Professor Gough has been involved with more than ten formal Knowledge Transfer Partnerships; currently the School has two. She also has developed partnerships with national organisations (eg The National Association of Pension Funds, NAPF) international universities, Government (eg The Department of Work and Pensions) and commercial companies, both to generate revenue (where appropriate) and to raise the Business School’s profile both nationally and internationally.

Publications

Journal articles

2011

• Gough O., "The Impact of The Shifting Pensions Landscape On The Psychological Contract" Personnel Review. (Forthcoming) (www.the-abs.org.uk ranked 2 in ABS 2010)

2009

• Gough O., “Ethnic Minorities Retirement Planning and Personal Accounts” International Journal of Sociology and Social Policy. Vol. 29, Issue 9, 2009.
• Gough O., “Understanding what drives the purchase decision in pension and investment products”, Journal of Financial Services Marketing Vol. 14, No.2, pages 152-172 (Lead Author and one other) (www.the-abs.org.uk ranked 1 in ABS 2010)

2008

• Gough O., “Pension Reforms and Saving for Retirement: Comparing the UK and Italy” Policy Studies Vol 2 (Forthcoming) (Lead Author and One Co-Author) ISSN: 0190-292X (www.the-abs.org.uk ranked 2 in ABS 2010)
• Gough O., ‘Employee Evaluations of Occupational Pensions’ Journal of Employee Relations Vol. 31 No.2 pages 158-167 (Leader Author and One Co-Author) ISSN: 0142-5455 (www.the-abs.org.uk ranked RAE 2)
• Gough O., ‘The Effects of Age and Income on Retirement Decisions: a Comparative Analysis Between Italy and the UK’ Pensions: an International Journal Vol. 13 Issue 3 pages 167-176 (Two Co-Authors) ISSN: 1478-5315  (www.harzing.com  ranked RAE 2)

2007

• Gough O., “The Impact of Occupational Pension on Retirement Age” Journal of Social Policy to be published in April 2007 (Lead Author and One Co-Author) ISSN: 0047-2794 (www.the-abs.org.uk ranked 3 in ABS 2010)
• Gough O., “Age Discrimination, the Default Retirement Age and Occupational Pensions: Experiences from Canada and Predictions for Britain” Web Journal of Current Legal Issues February ISSN: 1360-1326  (www.harzing.com ranked RAE 2)

2006

• Gough O., “Key Determinants of Small Companies’ Pension Scheme Adoption”, Journal of Small Business and Enterprise Development Vol. 13 Issue 3 pages 411-424 pages 13 (Single Author)  ISSN: 1462-6004 (www.the-abs.org.uk ranked 2 in ABS 2010)

2005

• Gough O., “Independent Financial Advisers – Why They Remain the Strongest Distribution Route for the Sale of Pensions” Service Industries Journal July 2005 Vol 25 number 4, pages 709-720, pages 12 (Single Author) ISSN: 0264-2069 (www.the-abs.org.uk ranked 2 in ABS 2010)
• Gough O., “Pensions and Retirement Davings: Cluster Analysis of Consumer Behaviour and Attitudes” International Journal of Bank Marketing Vol 23, Number 6-7, pages 558-570, pages 13, ISSN 0265-2323 (Lead Author and One Co-author) (www.the-abs.org.uk ranked 1 in ABS 2010)

Books, book chapters and reports

Handbooks and book reviewing

2008

• Gough O., “Retirement Planning in the United Kingdom”, in Coggburn, J and Reddick, C. (eds) Handbook of Employee Benefits and Administration (Forthcoming) (Co-Author). Taylor and Francis
• Gough O., Book review for Journal of Age & Ageing, Meyer T., Bridgen P., Riedmuller B., ‘Private Pensions versus Social Inclusion? Non-State Provision for Citizens at Risk in Europe’

Media

TV

2008: ‘Pensions and Financial Regulations (HBOS & Lloyds)’ SF Swiss Television
2008: ‘Should the Federal Reserve save insurance companies?’ Deutsche Welle German TV
1997: ‘Pension valuation and savings’ Deutsche Welle German TV

Radio

2008: “The Relationship between Finance Education and the City of London”, German State Radio
2002: “New Pension Legislation”, BBC Scotland Radio
2001: “Women’s Hour: Women in Pensions”, Radio 4
2000: “War Widow’s Pensions”, BBC Forces

Podcast

2003: “Alternative Vehicles for Pensions Saving”, talk with Liz Barclay, Radio 4

Webcast

2006: HSBC Global Forum on Ageing and Retirement

Conferences

2008

• Ethnic Minorities Retirement Age Patterns, Institute of Ageing, Oxford University
• Ethnic Minorities and Quantitative Data, Policy Studies Institute
• Retirement Planning Amongst Ethnic Minorities in the UK, abstract accepted and paper due to be presented to the Social Policy Association Conference in July 2008 (with R. Hick)
• Retirement Age and Income Replacement, evidence from the UK and Italy, International Association for Research in Income and Wealth (IARIW), Portorož, Slovenia (with R. Adami) in August 2008
  

2007

• Perceptions of, and Plans for, Retirement among Managerial Workers, presented at The Work, Employment and Society conference in Aberdeen in Sept 2007 (with R. Hick)
• Retirement Age in the EU. Pensions Policy Institute, King’s College
• International Accounting, British Accountants Association Regional Conference (symposium chair / convenor)
• Pension Liability and Longevity, National Association of Pension Funds, conference (professional forum co-presenter)
• International Accounting Standards 19 and their Impact on Pensions, British Association of Accountants, Cardiff

2006

• Psychological Contract in relation to Defined Benefit Pension Scheme, Institute of Work Psychology, Sheffield
• The Value Placed on Occupational Pension Schemes, Cass Business School, City University
• Pensions and Retirement Savings: Cluster Analysis, Surrey Business School
• Voluntary and Involuntary Retirement, Department of Public Policy, University College London
• Changing Structures of Pension Benefits, National Association of Pension Funds, London
  

2005

• Alternative Pension Savings, Public Pensions Policy
• Exploring Links between Retirement Age and Financial Income: an Overview, National Association of Pension Funds
• Pension Forum, New Directions in Pension Funds, Westminster Business School (symposium chair / convenor)
• Women – Their Pension Options. Centre for Market and Public Organization, Bristol.