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Hamish Low

Hamish Low

Research Fellow


PhD Economics, University College London, 1998
PhM Economics, University of Oxford, 1995
BA (1st Class), Philosophy, Politics and Economics, University of Oxford, 1993

Hamish is a Fellow of Trinity College, Cambridge, and a Research Fellow of IFS. His research interests include life-cycle models, consumption and saving behaviour, labour supply, uncertainty, unemployment insurance, optimal taxation and computational methods.

Academic outputs

IFS Working Paper W18/05
The 1996 PRWORA reform introduced time limits on the receipt of welfare in the United States.
Journal article | Journal of Economic Behavior & Organization
The combination of credit constraints and indivisible consumption goods may induce some risk-averse individuals to gamble to have a chance of crossing a purchasing threshold.

Reports and comment

External publication
We use direct evidence on credit constraints to study their importance for household consumption growth and for welfare.
Very little is known about how households hold their savings, if they have any at all. This study shows how the amount and nature of household saving and wealth vary across different household types.


This is the presentation that Hamish Low gave at the Understanding the Great Recession: from micro to macro conference held at the Bank of England on 23 and 24 September 2015.
Presented at a seminar in the Department of Economics at Royal Holloway University of London on 29 September.