Intergenerational Foundation

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Mission: Calling for a better deal for younger and future generations in policy-making.

Type:Charitable Think tank
Legal Status:Charity no. 1142230
Founder:Ashley Seager, Ed Howker, Shiv Malik, Angus Hanton
HQ:London, UK
Funding:Not disclosed
Page Contents

The Intergenerational Foundation researches fairness between generations. IF believes that, while increasing longevity is welcome, govt policy must be fair to all generations – old, young or those to come.

We are vehemently independent, non-party-political, and funded by no-strings donations from trusts, foundations, individual supporters, and corporates who have similar goals to our own.

Whenever possible, our research is peer-reviewed by Advisory Board members. A list of Advisory Board members can be found here.

We meet with our supporters once a month in order to report back on activity undertaken and discuss work to be taken forward. If you would like to attend one of our meetings to learn more about our work please email

Our mission is to protect the interests of younger and future generations across all areas of policy.

The Intergenerational Foundation has been established to research fairness between current and future generations in the UK. We believe each generation should pay its own way, which is not happening at present.

British policy-makers have given undue advantages to the older generation at the expense of younger and future generations. The UK has a taxation regime skewed against young people, pension arrangements that are unfair, and growing environmental, healthcare and welfare liabilities that are being passed on to future generations.

We are actively researching the causes of current intergenerational unfairness and offering possible solutions for a fairer future. Link

Advisory Board

  • Craig Berry: Lectures at the University of Warwick, and is a freelance public policy researcher. He worked formerly as Policy Advisor at HM Treasury and Head of Policy at the International Longevity Centre. His book Globalisation and Ideology in Britain was published in 2011.
  • Estelle Clarke: Formerly a Clifford Chance (banking) solicitor, Estelle held partnerships at Lester Aldridge, where she was Head of Corporate Banking, as well as at Thomas Eggar. Estelle is a finance expert and her publications include a trilogy on finance and security (Feeling the Squeeze, published by Henry Stewart), referenced in Wikipedia as expert material ("Ringfencing"). She writes for publications including The Independent and Verge and gives presentations.
  • Professor Danny Dorling: Halford Mackinder Professor of Geography at Oxford University, where he is also a Fellow of St Peter’s College. Previously, he was a Professor of Geography at the University of Sheffield. His main research interests include issues surrounding housing, wealth, education, health, employment and poverty. His most recent book is a major study of the Britain’s housing crisis entitled All That is Solid: The Great Housing Disaster (2014). He is also part of the group behind the highly innovative WorldMapper project (WorldMapper) which provides a novel way of presenting statistics visually, showing who has most and least in the world.
  • Professor Paul Gregg: Professor of Economic and Social Policy, and Director of the Centre for Analysis and Social Policy at the University of Bath. He has recently been appointed to the Advisory Group for the Milburn Commission on Social MobilityWikipedia-W.svg and completed a review of Personalised Support and Conditionality in the Welfare System for the UK Dept. of Work and Pensions. He was formerly a member of the Council of Economic Advisers at HM Treasury (1997-2006), where he worked on unemployment, welfare reform and child poverty. Paul is a programme director at the Centre for Market and Public Organisation at the University of Bristol, covering Families, Children and Welfare. His research has covered youth unemployment, workless households, child poverty, intergenerational mobility and the drivers of social disadvantage.
  • Matt Griffith: Director of "Priced Out", a housing campaign for first-time buyers, and an Associate Fellow of the Institute for Public Policy Research (IPPR). Previously an Economic Advisor for the Commission for Rural CommunitiesWikipedia-W.svg and a Trade Policy Analyst at CAFOD. Matt brings a wealth of expert housing knowledge and lobbying experience to the Intergenerational Foundation.
  • Angus Hanton: Economist and entrepreneur, he became interested in the problems of intergenerational equity several years ago. A baby boomer with teenage children, he has enjoyed many of the unearned advantages of belonging to this cohort. He is acutely aware of the consequent accumulation of debts that are being passed on to younger generations today.
  • Ed Howker: Investigative journalist and broadcaster, and co-author with Shiv Malik of the seminal intergenerational book Jilted Generation: how Britain has bankrupted its youth. His articles appear in The Spectactor and The Daily Telegraph, among others, and he has also worked on current affairs documentaries for Channel 4’s Dispatches programmes.
  • David Kingman: Senior Researcher at IF, where his work addresses the relationship between intergenerational fairness and issues such as housing, pensions, the national debt, higher education funding, health and social care and political representation. He also currently leads the research team constructing IF’s annual "Intergenerational Fairness Index". His 2013 research paper on the taxation of buy-to-let property investment recommended the policy changes which were implemented in the 2013 Budget. He has been invited to give evidence to parliamentary select committees and has lectured on his research St Andrews University, Warwick University and the University of Lisbon.
  • Shiv Malik: Investigative journalist, who writes for The Guardian. He is also the co-author, with Ed Howker, of the seminal intergenerational book Jilted Generation: how Britain has bankrupted its youth. His articles have also appeared in The Sunday Times, New Statesman and Prospect magazine, among others.
  • Jolyon Maugham QC: Member of Devereux Chambers, and specialises in litigation in the fields of direct and indirect tax. A Queen Mother Scholar of the Middle Temple, Jolyon has sat on the Bar Council's Equality and Diversity Committee for a number of years and is a member of the Revenue Bar Association. Jolyon lectures and writes widely on tax policy matters.
  • Professor Peter Nolan: Research Chair and Director of the Centre of Sustainable Work and Employment Futures at the University of Leicester. He was Director of the the ESRC £4m Future of Work Programme (1997-2004). In 2011, he was appointed "scientific expert" to help develop the European Joint Programme Initiative (JPI), More Years, Better Lives, which is examining demographic changes and their social and economic consequences. Since 2009 Peter has been Editor-in-Chrief of the Industrial Relations JournalWikipedia-W.svg. He has published widely on employment relations, labour markets and occupational change, and is presently investigating age-wage-productivity dynamics with particular reference to the ageing population of Europe. His latest publication looks critically at competing approaches to understanding the specific nature and changing forms of the employment relationship.
  • Professor Alison Park: Director of the CLOSER programme (Cohort & Longitudinal Studies Enhancement Resources) at UCL. She was previously Head of Society and Social Change at the National Centre for Social ResearchWikipedia-W.svg, and managed the team responsible for the British Social Attitudes SurveyWikipedia-W.svg. Alison is a regular broadcaster.
  • Ashley Seager: Economics Correspondent for The Guardian (2005-2010), covering the British and global economies as well as trade and debt relief issues. Before joining The Guardian, Ashley worked for 14 years at Reuters.
  • Kirsty Schneeberger: Think 2050Wikipedia-W.svg, an advocacy platform for younger and future generations. Prior to this, she was the Co-ordinator of the Youth Advisory Panel at the Department of Energy and Climate Change, as well as Co-ordinator of the UK Youth Climate CoalitionWikipedia-W.svg, having led many youth delegations to UN Framework Convention on Climate ChangeWikipedia-W.svg conferences.
  • James Sloam: Senior lecturer in politics at Royal Holloway (University of London), where he is also co-director of the Centre for European Politics. James' research focuses on young people’s politics in Britain, the European Union and the USA. He has published widely in this area, and recently edited a special issue of Parliamentary Affairs on "Youth, Citizenship and Politics in Britain" (2012). James is the convenor of a new (in 2013) Political Studies Association specialist group on young people"s politics.
  • Professor Joerg Tremmel: Professor at the University of Tuebingen, having previously been a visiting Lecturer at several universities in Germany, including the University of Stuttgart, and a Research Fellow at the London School of Economics. He was Director of the Foundation for the Rights of Future GenerationsWikipedia-W.svg (2001-2008), and is the editor-in-chief of the peer-reviewed journal Intergenerational Justice Review.

Reports & Research

  • Feb.28.2018: Weaponising Interest Rates: How UK govts have set interest rates to the detriment of the young. This paper investigates the use of different interest rates set by govt departments by the age of the borrower or saver, and demonstrates that over recent years govs have decided that “age” is a justifiable basis on which to offer loans and savings products at different interest rates, to the exclusive benefit of older people. The paper concludes that the govt should follow the lead of HMRC and standardise the basic rate at which it lends, regardless of the age of the borrower. RPI should be consigned to history, and a standard discount rate should be adopted based on the govt’s cost of borrowing. Intergenerational Foundation.
  • Jan.21.2017: Packhorse Generation: The long debt tail of student loans. The report follows the likely interest that will be charged to graduates over a 30-year loan term and concludes that, because of the front-loading of debt and interest charged, which is compounded monthly, most students – apart from higher earners – will be unable to escape their student debt and still owe large amounts at the end of the loan term. The paper argues that such large non-repayment levels mean that, should govt seek to sell off the loan book, then the terms of borrowing could become even more punitive unless students receive better protection from policy makers. It is far more likely that govt will retrospectively change the terms. Estelle Clarke, Intergenerational Foundation.
  • May.2012: False Accounting? Why the govt's Higher Education reforms don’t add up. The Coalition govt's reforms to higher education funding in England have been enormously controversial ever since they were first announced. But why did the govt decide to go down this path at all? Dr Andrew McGettigan, he argues that the main reason why the govt was so keen to enact wholesale changes to the English higher education system was because it would enable them to claim they were reducing the deficit. Directly funding higher education through block grants from the Treasury would have led to a bigger financial deficit; however, replacing direct funding with larger loans taken out by students enables the govt to claim that it is lowering the deficit because of an accounting convention which treats loans as an asset rather than a liability. This report shows that it will be future generations who feel the effect of this accounting trick in the long term, because a very high proportion of this student debt is unlikely ever to be paid back. In the meanwhile, today's students are being burdened with more and more borrowing – which will lead to higher repayments during their working lives – in order to support a political narrative about reducing the deficit which is unlikely to produce any actual savings in the long run. Intergenerational Foundation. See also Parents Against Student Debt