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Rowena Crawford

Rowena Crawford

Associate Director


MSc Economics, University College London, 2011

BA Economics (1st Class), University of Cambridge, 2008

Rowena is an Associate Director in the Pensions and Public Finance sector. Her research interests include pensions and saving for retirement, while her recent work also includes analysis of UK public finances and public spending.

Academic outputs

IFS Working Paper W20/40
This paper examines the impact of changes in public long-term care spending on the use of public hospitals among the older population in England, and the cost and quality of this care.
IFS Working Paper W20/39
We examine the extent to which owner-occupiers in their 50s and 60s change their private pension saving when they complete repayment of the mortgage on their primary residence. Using panel data from a household survey, the English Longitudinal Study of Ageing, we identify those who completed ...

Reports and comment

We find that reductions in social care spending led to substantial increases in use of Accident & Emergency (A&E) departments by individuals aged 65 and above. The impacts were most pronounced among the very oldest (those aged 85 and above) and those living in more deprived neighbourhoods.
Briefing note
The research summarised in this briefing note has taken an important first step in understanding how the timing of individuals’ pension saving interacts with the accumulation of housing wealth.


The last decade has seen considerable change to the pensions environment. This event included a keynote talk from the Minister for Pensions and Financial Inclusion, a presentation on a programme of IFS research in this area over the last two years, and an expert panel discussion of the implications ...
The proportion of the self-employed saving in a private pension has declined dramatically over the past two decades, leading to continued concerns about their financial preparations for retirement. At this event we presented the findings of new IFS research that has examined this trend.