The report's author, Professor Sir John Beddington, wrote that «commonly held negative perceptions surrounding HFT are not supported by the available evidence» but said that «policymakers are justified in being concerned about the
possible effects of HFT on
instability in
financial markets.»
However, the risks involved should be explained clearly in the
financial plan, such as
possible loss of capital, the
instability of interest rates, repayments of the loan or unexpected life changes, such as redundancy.