Additional insulation alone will (no surprise) correspondingly increase heat retention. The foil will have two effects, the first of which is to reflect parts of the electro-magnetic wave spectrum back from whence it came (heat is radiated in the form of such ways) - from both sides if it is shiny on both sides (i.e. into the house and out back toward the roof). The effect of this in your case will not be very large (my assessment) although it may just be measurable. The other effect will be to act as a vapour barrier. Moisture that passes from your house out through the ceiling and insulation above it will stop at the foil. If the ceiling is impervious (say, lined with vinyl wallcovering) then effectively there will no moisture transfer. This may or may not be what you want to achieve - if the foil is at the very top and the ceiling is pervious then in cold conditions within the loft you may get condensation within the insulation (not necessarily anything to be concerned about) so it might then be better to have the foil at the bottom of the new layer, i.e in the middle of a sandwich. The best approach would be to have a vapour barrier nearest the inside of the house (such as on top of or on the inside of the ceiling) then all the insulation on top of it, with the foil at the very top/outside. This would ensure no vapour transfer through the insulation and best use of any foil.