New Research On Consumers, Saving and Investing - UK - January 2014

  • 77 views
Uploaded on

http://www.researchmoz.us/consumers-saving-and-investing-uk-january-2014-report.html …

http://www.researchmoz.us/consumers-saving-and-investing-uk-january-2014-report.html

Consumers generally prefer to take a long-term approach to their savings and investments. They want to secure a competitive rate but don’t want to have to spend time moving their money about on a regular basis or keeping track of when bonus rates are due to run out.

  • Full Name Full Name Comment goes here.
    Are you sure you want to
    Your message goes here
    Be the first to comment
    Be the first to like this
No Downloads

Views

Total Views
77
On Slideshare
0
From Embeds
0
Number of Embeds
0

Actions

Shares
Downloads
0
Comments
0
Likes
0

Embeds 0

No embeds

Report content

Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
    No notes for slide

Transcript

  • 1. Consumers, Saving and Investing - UK - January 2014 Consumers generally prefer to take a long-term approach to their savings and investments. They want to secure a competitive rate but don’t want to have to spend time moving their money about on a regular basis or keeping track of when bonus rates are due to run out. table Of Content introduction abbreviations executive Summary retail Savings Environment retail Savings Deposits Increased By 4% In 2013 figure 1: Retail Savings Balances Outstanding, By Sector, 2004-13^ economic Factors recovery Finally Gaining Traction inflation Still Above Target, Putting Pressure On Household Incomes unemployment Continues To Fall boe Base Rate Remains At Historical Low ftse 100 Posts Strong Performance In 2013, And Big Things Expected For The Year Ahead consumer Sentiment And Confidence consumer Confidence Reaches 2007 Levels figure 2: Uk Consumer Confidence, January 1989-december 2013 increase In The Number Of People Who Are Feeling Better-off figure 3: Financial Situation Compared To 12 Months Ago, November 2012 Vs. November 2013 the Consumer value Of Savings And Investments figure 4: Value Of Savings And Investments, November 2013 saving And Investment Portfolio figure 5: Saving And Investment Product Ownership, November 2013 consumers’ Savings Contribution Habits figure 6: Saving/investing Habits And Contributions, November 2013 saving And Investing Goals figure 7: Influential Factors For Saving And Investing, November 2012 And 2013 importance Of Inflation figure 8: Consumer Behaviour Towards Inflation In Relation To Saving And Investment Products, November 2013 influential Factors figure 9: Important Factors For Choosing Saving And Investment Products, November 2013 property As An Investment figure 10: Consumer Attitudes Towards Investment And Housing, November 2013 what We Think issues And Insights is There Scope To Increase Ownership Of Equities? the Facts the Implications introductory Bonuses Or Long-term Average Savings Rates? the Facts the Implications clear Goals And Targets Is The Key To Establishing Regular Saving Activity the Facts the Implications helping Consumers Look Beyond Basic Savings Products the Facts the Implications Consumers, Saving and Investing - UK - January 2014
  • 2. trend Application top Of The Savers instant Access Investments mintel Futures: Generation Next economic Background key Points gdp Set For Highest Rate Of Annualised Growth Since The Recession figure 11: Uk Quarterly Gdp Growth, Q1 2006-q3 2013 figure 12: Quarterly Changes In The Savings Ratio*, 1998-q3 2013 inflation Is Still Having An Impact On Household Finances And Living Standards figure 13: Monthly Change In Rpi And Average Weekly Earnings, January 2007 – October 2013 unemployment Rate On A Downward Trajectory figure 14: Uk Unemployment Rate, Seasonally Adjusted, July 2008-september 2013 savings Rates Continue To Suffer Due To Low Boe Base Rate figure 15: Average Annual Changes In The Bank Of England Base Rate, Cpi And Rpi – Uk January 2011-november 2013 ftse 100 Performing Well In 2013 As Market Optimism Returns figure 16: Ftse 100 And Ftse All-share – Daily Index Movements, January 2008-january 2014 retail Savings And Investment Environment key Points retail Savings Balances Increased By 4% In 2013 figure 17: Retail Savings Balances Outstanding, By Sector, 2004-13^ isa Subscriptions Increased In 2012/13 figure 18: Value Of Isa Sales, By Type Of Isa, 2007/08-2012/13 figure 19: Volume And Value Of Isa Subscriptions, By Type Of Isa, 2007/08-2012/13 net And Gross Investment Fund Sales Up By October 2013 figure 20: Retail Sales Of Unit Trusts And Oeics – Uk-domiciled, 2008-13 consumer Confidence key Points consumer Confidence Up In 2013 figure 21: Uk Consumer Confidence, January 1989-december 2013 fewer People Describe Their Financial Situation As Tight Or Struggling figure 22: Current Financial Situation, November 2012 Vs. November 2013 increase In The Percentage Of People Who Are Better-off figure 23: Financial Situation Compared To 12 Months Ago, November 2012 Vs. November 2013 consumers Are Feeling More Financially Confident figure 24: Financial Confidence, November 2012 Vs. November 2013 value Of Savings And Investments key Points one In Two Has Less Than £10,000 In Savings And Investments figure 25: Value Of Savings And Investments, November 2013 older People Tend To Have A Higher Level Of Savings And Investments figure 26: Value Of Savings And Investments, By Age, November 2013 higher Earners Most Likely To Value Savings/investments Over £50,000 figure 27: Value Of Savings And Investments, By Gross Annual Household Income, November 2013 homeowners Tend To Have A Higher Level Of Savings And Investments figure 28: Value Of Savings And Investments, By Housing Situation, November 2013 saving And Investment Portfolio Consumers, Saving and Investing - UK - January 2014
  • 3. key Points risk-free And Safe Products Lead The Way… figure 29: Ownership Of Savings Accounts/cash Isas Versus Equity-based Investments, November 2013 but Future Intentions Show There Is Scope To Increase Ownership Of Equity-based Products figure 30: Saving And Investment Product Ownership And Planned Ownership, November 2013 ownership Of Equities Skewed Towards Men, Over-55s And The Affluent figure 31: Adults Who Do Not Own Equity-based Investments But Plan On Buying In The Next Year, By Gender And Age, November 2013 portfolio Composition Depends On Investable Assets figure 32: Saving And Investment Product Ownership And Planned Ownership, By Value Of Savings And Investments, November 2013 saving And Investment Contribution Habits key Points a Higher Proportion Save When They Can Rather Than Regularly figure 33: Saving/investing Habits And Contributions, November 2013 financial Situation Dictates Ability To Save figure 34: Adults Who Have Saved In The Past But Have Not Managed To Add To Their Savings/investments In The Last 12 Months, By Current Financial Situation, November 2013 even Those With Portfolios Over £50,000 Have Struggled To Save In The Last Year figure 35: Saving/investing Habits And Contributions, By Value Of Savings And Investments, November 2013 saving And Investing Goals key Points saving For Unexpected Events And Security Top Consumer Priorities figure 36: Influential Factors For Saving And Investing, November 2012 And 2013 financial Priorities Dictate Reasons For Saving saving For A Home Encourages For More Methodical Saving figure 37: Saving/investing Habits And Contributions, By Influential Factors For Saving And Investing, November 2013 figure 38: Saving/investing Habits And Contributions, By Influential Factors For Saving And Investing, November 2013 (continued) long-term Goals Encourage Ownership Of Equity-based Products figure 39: Ownership Of Savings Accounts/cash Isas And Equity-based Products, By Influential Factors For Saving And Investing, November 2013 figure 40: Ownership Of Savings Accounts/cash Isas And Equity-based Products, By Influential Factors For Saving And Investing, November 2013 (continued) consideration Of Inflation In Saving And Investing key Points a Third Of Adults Do Not Consider Inflation When Choosing Products figure 41: Consumer Behaviour Towards Inflation In Relation To Saving And Investment Products, November 2013 inflation-conscious Are More Likely To Hold Equity-based Products figure 42: Saving And Investment Product Ownership And Planned Ownership, By Consumer Behaviour Towards Inflation In Relation To Saving And Investment Products, November 2013 adults With A Higher Level Of Savings More Aware Of Impact Of Inflation figure 43: Consumer Behaviour Towards Inflation In Relation To Saving And Investment Products, By Value Of Savings And Investment, November 2013 regular Savers More Likely To Look At Inflation When Choosing Products figure 44: Consumer Behaviour Towards Inflation In Relation To Saving And Investment Products, By Saving/investing Habits And Contributions, November 2013 influential Factors When Choosing A Saving Or Investment Product key Points instant Access Is The Most Important Factor figure 45: Important Factors For Choosing Saving And Investment Products, November 2013 taking A Longer-term Approach To Introductory Rates adults With Higher Worth Portfolios More Likely To Look For Tax Efficiency And Fscs Coverage figure 46: Important Factors For Choosing Saving And Investment Products, By Value Of Savings And Investments, November 2013 adults Who Invest In Alternative Products Less Concerned About Access figure 47: Important Factors For Choosing Saving And Investment Products, By Saving And Investment Product Ownership And Planned Ownership, November 2013 Consumers, Saving and Investing - UK - January 2014
  • 4. property As An Investment key Points a Third Feel It Makes Sense To Overpay On A Mortgage Than To Save Elsewhere figure 48: Consumer Attitudes Towards Investment And Housing, November 2013 a Fifth Of Adults Prefer Bricks And Mortar To Equities under 35s Are More Likely To View Buying A Home As An Investment appendix – Value Of Savings And Investments figure 49: Value Of Savings And Investments, By Demographics, November 2013 figure 50: Value Of Savings And Investment, By Demographics, November 2013 (continued) appendix – Saving And Investment Portfolio figure 51: Savings Account/cash Isa Ownership And Planned Ownership, By Demographics, November 2013 figure 52: Savings Account Ownership And Planned Ownership, By Demographics, November 2013 figure 53: Cash Isa Ownership And Planned Ownership, By Demographics, November 2013 figure 54: Company Pension Ownership And Planned Ownership, By Demographics, November 2013 figure 55: Personal Pension Ownership And Planned Ownership, By Demographics, November 2013 figure 56: Equity-based Investments Ownership And Planned Ownership, By Demographics, November 2013 figure 57: Ns&i (national Savings And Investments) Products Ownership And Planned Ownership, By Demographics, November 2013 figure 58: Stocks And Shares Isa, By Demographics Ownership And Planned Ownership, November 2013 figure 59: Individual Company Shares Ownership And Planned Ownership, By Demographics, November 2013 figure 60: With Profits, Unit-linked, Money Market, Distribution Or Guaranteed Investment Bond Ownership And Planned Ownership, By Demographics, November 2013 figure 61: Investment Property Ownership And Planned Ownership, By Demographics, November 2013 figure 62: Investment Trust Ownership And Planned Ownership, By Demographics, November 2013 figure 63: Unit Trust/oeic Ownership And Planned Ownership, By Demographics, November 2013 figure 64: Other Savings Or Investments Ownership And Planned Ownership, By Demographics, November 2013 appendix – Saving And Investment Contribution Habits figure 65: Saving/investing Habits And Contributions, By Demographics, November 2013 figure 66: Saving/investing Habits And Contributions, By Demographics, November 2013 (continued) appendix – Saving And Investing Goals figure 67: Most Influential Factors For Saving And Investing, By Demographics, November 2013 figure 68: Less Influential Factors For Saving And Investing, By Demographics, November 2013 appendix – Consideration Of Inflation In Saving And Investing figure 69: Consumer Behaviour Towards Inflation In Relation To Saving And Investment Products, By Demographics, November 2013 appendix – Influential Factors When Choosing A Saving Or Investment Product figure 70: Most Influential Factors For Choosing Saving And Investment Products, By Demographics, November 2013 figure 71: Less Important Factors For Choosing Saving And Investment Products, By Demographics, November 2013 appendix – Property As An Investment figure 72: Consumer Attitudes Towards Investment And Housing, By Demographics, November 2013 Consumers, Saving and Investing - UK - January 2014
  • 5. ResearchMoz(http://www.researchmoz.us/) is the one stop online destination to find and buy market research reports & Industry Analysis. We fulfill all your research needs spanning across industry verticals with our huge collection of market research reports. We provide our services to all sizes of organizations and across all industry verticals and markets. Our Research Coordinators have in-depth knowledge of reports as well as publishers and will assist you in making an informed decision by giving you unbiased and deep insights on which reports will satisfy your needs at the best price. Contact: M/s Sheela, 90 State Street, Suite 700, Albany NY - 12207 United States Tel: +1-518-618-1030 USA - Canada Toll Free 866-997-4948 Email: sales@researchmoz.us Website: http://www.researchmoz.us/ Consumers, Saving and Investing - UK - January 2014