Why financial apathy could be costing us thousands, and how we could start making savings.

1. Why Financial Apathy could be
costing us thousands
and how we could start
making savings

2. Key metrics
With pensions have
never changed pension
provider40%
Have never
changed their
banks21%
Haven’t changed
utility provider in
the last 3 years55%
With stocks and
shares have never
changed them33%Research conductedbyCrowdstacker amongst 1,000UK adults in September 2015.

3. How often do we switch ?
We only make changes, on average, once every 5 years,
so opportunities to grow our savings and maximise our
investments are missed.

4. Why don’t we make changes?

5. vs
Research conductedbyCrowdstacker amongst 1,000UK adults in September 2015.
Crowdstacker Research
Said they don’t follow their
investments or the markets for
competing products closely
11%Said they don’t know how to
begin comparing value and
performance between different
providers
28%Of those suffering with “financial
apathy” said they don’t want to
change the way they do things
35%

6. Here’s how the costs of financial apathy
could break down over 10 years:

7. £7,365 in pension losses...
* Source: The OrganisationforEconomic CooperationandDevelopment,2012
The average middle-
aged pension pot is
£53,000*
But… the average UK
pension fund fell by
0.1% every year
between 2001-2010*
Meanwhile… the
FTSE 100 index rose
13% over same period
2001-2010
So… by tracking the
FTSE 100 £53,000 could
turn into £59,890,while
an average performing
fund would have lost
money

8. The average UK
household saves
£16,400*
50% of our
surveyed savers
hold a cash ISA
Save £16,400 in a cash ISA:
A good cash ISA
savings rate of
1.51% = £247.61
per year interest
A poor cash ISA
savings rate of
0.1% = £16.40
per year interest
Cash ISAs
£2,500 in savings losses...
Over 10 years, the
compound
interest lost with
the poorer
product amounts
to £2,500
* Source: The Officefor National Statistics

9. The Average UK household saves£16,400*.Ifthey put 10% ofthat savingspot,£1,640,intoa peer-to-peer
lending producttargeting5.5% annual returnANDkeep the rest in a good cash ISAthey could receive
£3,299 in interest over10 yearscompared to putting100%ofthe money in the lowest performing cash ISA.
Earn £3,299 by including Peer
to Peer lending…
* Source: The Officefor National Statistics
Peer to Peer Lending

10. People could save up to £512* a year
by switching their gas and electricity
provider
£5,120 lost by sticking with
expensive utilities
Utilities
* Source: http://www.uswitch.com/gas-electricity/

11. Read the full article at www.crowdstacker.com
Your capital is at risk if you lend to businesses through peer-to-peer
lending. Peer-to-peer lending is not covered by the Financial Services
Compensation Scheme FSCS. Tax treatment may be subject to change.