{"id":546,"date":"2024-05-07T09:49:20","date_gmt":"2024-05-07T08:49:20","guid":{"rendered":"https:\/\/research.reading.ac.uk\/commercial-law\/?p=546"},"modified":"2024-05-10T17:31:33","modified_gmt":"2024-05-10T16:31:33","slug":"https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner","status":"publish","type":"post","link":"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/","title":{"rendered":"CCLFR research seminar with Professor Jodi Gardner (University of Auckland)"},"content":{"rendered":"<blockquote class=\"wp-embedded-content\" data-secret=\"aP6K5wLGEc\"><p><a href=\"https:\/\/blogs.reading.ac.uk\/law\/2024\/05\/05\/are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/\">Are there ever &#8216;vulnerable investors&#8217;? CCLFR research seminar with Professor Jodi Gardner<\/a><\/p><\/blockquote>\n<p><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Are there ever &#8216;vulnerable investors&#8217;? CCLFR research seminar with Professor Jodi Gardner&#8221; &#8212; Law at Reading\" src=\"https:\/\/blogs.reading.ac.uk\/law\/2024\/05\/05\/are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/embed\/#?secret=0Zjd6BXsFX#?secret=aP6K5wLGEc\" data-secret=\"aP6K5wLGEc\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p><span style=\"font-size: 10pt;font-family: arial, helvetica, sans-serif\"><strong>Title:<\/strong> Are there Ever \u2018Vulnerable Investors?<\/span><\/p>\n<p><span style=\"font-size: 10pt;font-family: arial, helvetica, sans-serif\"><strong>Abstract\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-size: 10pt;font-family: arial, helvetica, sans-serif\">Many jurisdictions around the world draw a line between investors on the basis of financial means &#8211; providing higher levels of protection to those with less money to invest. Whilst this initially appears to be justified, recent events have called into question whether this approach is justified and whether higher-income individuals also need additional protection. The increased cost of living, increased life expectancy and frequency of fraudulent investment scams challenge the traditional distinction between &#8216;sophisticated&#8217; and &#8216;unsophisticated&#8217; investors. Some jurisdictions have responded to this challenge by increasing the level of means, creating an &#8216;opt-in&#8217; system or utilising other forms of protection, but they do not appear to be sufficient responses. This paper questions whether a return to the traditional distinction of consumer and investor is a better way to respond and ensure adequate protection for those making important investment decisions about their ongoing retirement and living costs.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are there ever &#8216;vulnerable investors&#8217;? CCLFR research seminar with Professor Jodi Gardner Title: Are there Ever \u2018Vulnerable Investors? Abstract\u00a0 Many jurisdictions around the world draw a line between investors on&#8230;<a class=\"read-more\" href=\"&#104;&#116;&#116;&#112;&#115;&#58;&#47;&#47;&#114;&#101;&#115;&#101;&#97;&#114;&#99;&#104;&#46;&#114;&#101;&#97;&#100;&#105;&#110;&#103;&#46;&#97;&#99;&#46;&#117;&#107;&#47;&#99;&#111;&#109;&#109;&#101;&#114;&#99;&#105;&#97;&#108;&#45;&#108;&#97;&#119;&#47;&#104;&#116;&#116;&#112;&#115;&#45;&#98;&#108;&#111;&#103;&#115;&#45;&#114;&#101;&#97;&#100;&#105;&#110;&#103;&#45;&#97;&#99;&#45;&#117;&#107;&#45;&#108;&#97;&#119;&#45;&#50;&#48;&#50;&#52;&#45;&#48;&#53;&#45;&#48;&#53;&#45;&#97;&#114;&#101;&#45;&#116;&#104;&#101;&#114;&#101;&#45;&#101;&#118;&#101;&#114;&#45;&#118;&#117;&#108;&#110;&#101;&#114;&#97;&#98;&#108;&#101;&#45;&#105;&#110;&#118;&#101;&#115;&#116;&#111;&#114;&#115;&#45;&#99;&#99;&#108;&#102;&#114;&#45;&#114;&#101;&#115;&#101;&#97;&#114;&#99;&#104;&#45;&#115;&#101;&#109;&#105;&#110;&#97;&#114;&#45;&#119;&#105;&#116;&#104;&#45;&#112;&#114;&#111;&#102;&#101;&#115;&#115;&#111;&#114;&#45;&#106;&#111;&#100;&#105;&#45;&#103;&#97;&#114;&#100;&#110;&#101;&#114;&#47;\">Read More ><\/a><\/p>\n","protected":false},"author":898,"featured_media":328,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","footnotes":""},"categories":[9,8,27],"tags":[28,3],"coauthors":[22],"class_list":["post-546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-news","category-seminars","tag-news","tag-seminars"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CCLFR research seminar with Professor Jodi Gardner (University of Auckland) - Modern Studies in Commercial Law<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CCLFR research seminar with Professor Jodi Gardner (University of Auckland) - Modern Studies in Commercial Law\" \/>\n<meta property=\"og:description\" content=\"Are there ever &#8216;vulnerable investors&#8217;? CCLFR research seminar with Professor Jodi Gardner Title: Are there Ever \u2018Vulnerable Investors? Abstract\u00a0 Many jurisdictions around the world draw a line between investors on...Read More &gt;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/\" \/>\n<meta property=\"og:site_name\" content=\"Modern Studies in Commercial Law\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-07T08:49:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-10T16:31:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/research.reading.ac.uk\/commercial-law\/wp-content\/uploads\/sites\/323\/2023\/11\/OIP-8.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"375\" \/>\n\t<meta property=\"og:image:height\" content=\"306\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Andrea Miglionico\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Andrea Miglionico\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/\",\"url\":\"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/\",\"name\":\"CCLFR research seminar with Professor Jodi Gardner (University of Auckland) - Modern Studies in Commercial Law\",\"isPartOf\":{\"@id\":\"https:\/\/research.reading.ac.uk\/commercial-law\/#website\"},\"datePublished\":\"2024-05-07T08:49:20+00:00\",\"dateModified\":\"2024-05-10T16:31:33+00:00\",\"author\":{\"@id\":\"https:\/\/research.reading.ac.uk\/commercial-law\/#\/schema\/person\/4d0c64c9cf8cfd31649f24684ce977e8\"},\"breadcrumb\":{\"@id\":\"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/research.reading.ac.uk\/commercial-law\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"CCLFR research seminar with Professor Jodi Gardner (University of Auckland)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/research.reading.ac.uk\/commercial-law\/#website\",\"url\":\"https:\/\/research.reading.ac.uk\/commercial-law\/\",\"name\":\"Modern Studies in Commercial Law\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/research.reading.ac.uk\/commercial-law\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/research.reading.ac.uk\/commercial-law\/#\/schema\/person\/4d0c64c9cf8cfd31649f24684ce977e8\",\"name\":\"Andrea Miglionico\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/research.reading.ac.uk\/commercial-law\/#\/schema\/person\/image\/525ef8780635fee3ac537157596b9deb\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/bcf61a6d4335d99928047fc7868a72413309c1e4e29db976a71086576fe5f7d8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/bcf61a6d4335d99928047fc7868a72413309c1e4e29db976a71086576fe5f7d8?s=96&d=mm&r=g\",\"caption\":\"Andrea Miglionico\"},\"url\":\"https:\/\/research.reading.ac.uk\/commercial-law\/author\/amiglionico\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"CCLFR research seminar with Professor Jodi Gardner (University of Auckland) - Modern Studies in Commercial Law","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/","og_locale":"en_GB","og_type":"article","og_title":"CCLFR research seminar with Professor Jodi Gardner (University of Auckland) - Modern Studies in Commercial Law","og_description":"Are there ever &#8216;vulnerable investors&#8217;? CCLFR research seminar with Professor Jodi Gardner Title: Are there Ever \u2018Vulnerable Investors? Abstract\u00a0 Many jurisdictions around the world draw a line between investors on...Read More >","og_url":"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/","og_site_name":"Modern Studies in Commercial Law","article_published_time":"2024-05-07T08:49:20+00:00","article_modified_time":"2024-05-10T16:31:33+00:00","og_image":[{"width":375,"height":306,"url":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-content\/uploads\/sites\/323\/2023\/11\/OIP-8.jpg","type":"image\/jpeg"}],"author":"Andrea Miglionico","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Andrea Miglionico","Estimated reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/","url":"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/","name":"CCLFR research seminar with Professor Jodi Gardner (University of Auckland) - Modern Studies in Commercial Law","isPartOf":{"@id":"https:\/\/research.reading.ac.uk\/commercial-law\/#website"},"datePublished":"2024-05-07T08:49:20+00:00","dateModified":"2024-05-10T16:31:33+00:00","author":{"@id":"https:\/\/research.reading.ac.uk\/commercial-law\/#\/schema\/person\/4d0c64c9cf8cfd31649f24684ce977e8"},"breadcrumb":{"@id":"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/research.reading.ac.uk\/commercial-law\/https-blogs-reading-ac-uk-law-2024-05-05-are-there-ever-vulnerable-investors-cclfr-research-seminar-with-professor-jodi-gardner\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/research.reading.ac.uk\/commercial-law\/"},{"@type":"ListItem","position":2,"name":"CCLFR research seminar with Professor Jodi Gardner (University of Auckland)"}]},{"@type":"WebSite","@id":"https:\/\/research.reading.ac.uk\/commercial-law\/#website","url":"https:\/\/research.reading.ac.uk\/commercial-law\/","name":"Modern Studies in Commercial Law","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/research.reading.ac.uk\/commercial-law\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-GB"},{"@type":"Person","@id":"https:\/\/research.reading.ac.uk\/commercial-law\/#\/schema\/person\/4d0c64c9cf8cfd31649f24684ce977e8","name":"Andrea Miglionico","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/research.reading.ac.uk\/commercial-law\/#\/schema\/person\/image\/525ef8780635fee3ac537157596b9deb","url":"https:\/\/secure.gravatar.com\/avatar\/bcf61a6d4335d99928047fc7868a72413309c1e4e29db976a71086576fe5f7d8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bcf61a6d4335d99928047fc7868a72413309c1e4e29db976a71086576fe5f7d8?s=96&d=mm&r=g","caption":"Andrea Miglionico"},"url":"https:\/\/research.reading.ac.uk\/commercial-law\/author\/amiglionico\/"}]}},"cc_featured_image_caption":{"caption_text":"","source_text":"","source_url":""},"_links":{"self":[{"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/posts\/546","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/users\/898"}],"replies":[{"embeddable":true,"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/comments?post=546"}],"version-history":[{"count":3,"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/posts\/546\/revisions"}],"predecessor-version":[{"id":551,"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/posts\/546\/revisions\/551"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/media\/328"}],"wp:attachment":[{"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/media?parent=546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/categories?post=546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/tags?post=546"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/research.reading.ac.uk\/commercial-law\/wp-json\/wp\/v2\/coauthors?post=546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}