Consumers, Saving And Investing - Uk

By Author: Bharat Book Bureau
Total Articles: 1486
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By establishing partnerships with well-known ‘cashback’ websites, financial services providers can help people free up extra cash that can be used for saving. Whenever a purchase is made via one of these websites, the cashback earned could automatically be paid into a linked savings account.” http://www.bharatbook.com/investment-banking-and-venture-capital-market-research-reports/consumers-saving-and-investing-uk.html

– George Zaborowski, Senior Financial Services Analyst

Some questions answered in this report include:

How can providers foster a greater sense of loyalty among savers?
Can anything be done to help those strapped for cash and time?
What can be done to make investing more appealing to young people?
How can more savers be encouraged to think longer term?
Table of Contents
Introduction
Abbreviations

Executive Summary
The retail savings and investment environment
Persistent uncertainty ensures the savings ratio remains elevated
Figure 1: Quarterly changes in GDP* and the savings ratio**, 1998-Q3 2012
Retail savings balances ...
... rise to £1.2 trillion
Figure 2: Retail savings balances outstanding, by sector, 2003-12^
Overall ISA contribution levels flat in 2011/12
Net sales of investment funds more than halved during the past three years
Market factors
The prolonged squeeze on incomes has decreased but pressure remains
Figure 3: Monthly change in RPI and average weekly earnings, January 2009-October 2012
Consumer context – Britons are more upbeat than a year ago…
…but still cautious about the next year
Figure 4: Financial confidence, November 2011 vs. November 2012
Saving still a top priority
Ownership of savings and investments
More than four in five Britons own a cash-based savings product
Figure 5: Savings and investment product ownership, November 2012
Investible asset levels mostly concentrated at values below £30,000
Figure 6: Level of investible assets*, November 2012
Savings and investment goals
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Consumers, Saving and Investing - UK

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