The Ipsos Financial Security Monitor surveys citizens in 24 countries monthly about their financial situation, focusing on current perceptions, comfort with major purchases, and expectations for future financial security. The survey results indicate that European countries generally report lower financial security, with Germany experiencing a notable decline. Britain shows a steady improvement in financial sentiment, moving up in rankings among European countries.

1. Ipsos Financial Security Monitor

2. •Each month we ask citizens of 24 countries about their financial situation
• We ask three questions covering:
–The present: Their current financial situation
–Direction of travel: How comfortable people feel making a major purchase compared with six months ago
–The future: Their expectations for their financial situation 6 months from now
•The Ipsos Financial Security Monitor is a simple average of:
–% saying current financial situation is strong
–% feeling more comfortable making a major purchase
–% who saying their future financial situation will be stronger 6 months from now
The Ipsos Financial Security Monitor

3. •Europeans continue to feel relatively insecure financially - six out of the eight bottom countries in our FS Monitor are EU member states.
•After last month’s slight rebound, China’s figure has slipped back (perhaps reflecting the recent slowing in GDP) with the Chinese feeling noticeably less confident in their current financial situation and less comfortable about making a major purchase. The country’s FS Monitor figure is down five points this month and has moved closer to its longer term average.
•Germany’s Monitor figure is down five points this month: recent mixed economic data seems to be feeding into Germans’ feelings of financial security. As a result, the country has slipped three places in the rankings (from 9th to 12th overall).
•Great Britain’s Monitor figure is holding steady at 34% (up one point from October). This is a slow improvement since January 2014 (GB’s figure is up four points from 30% since then). Due to the slippage in Germany’s figure, it is now 2nd out of the EU countries we track. Of the EU countries, only Sweden now records a higher number. Britain is now 11th overall.
Ipsos Financial Security Monitor (FS Monitor)
Key findings this month

4. The Ipsos Financial Security Monitor - the top, middle and bottom eight countries

5. Ipsos Financial Security (FS) Monitor
The top 8 countries
% change since last month
November 2014 FS Figure
India
60%
n/c
Brazil
52%
+1
Sweden
45%
-5
Saudi Arabia
45%
+3
China
42%
-5
US
40%
+2
Canada
37%
-2
Mexico
37%
+5
Ranking change since last month
1
1
4
1
1
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

6. Ranking change since last month
% change since last month
November 2014
FS Figure
Ipsos Financial Security (FS) Monitor
The middle 8 countries
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com
Australia
36%
n/c
1
South Africa
36%
-1
2
Great Britain
34%
+1
Germany
32%
-5
3
Turkey
30%
+1
2
Russia
28%
-1
Argentina
27%
-3
2
Belgium
25%
n/c

7. Ranking change since last month
% change since last month
November 2014
FS Figure
2
Hungary
22%
+3
Spain
21%
-4
South Korea
20%
-2
Romania
18%
-2
France
17%
n/c
Japan
14%
n/c
Italy
12%
n/c
3
Poland
24%
n/c
Ipsos Financial Security (FS) Monitor
The bottom 8 countries
1
1
1
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

8. The Ipsos Financial Security Monitor - how Britain fares

9. 11th/34%
Britain’s rank* and Index score in November 2014
Up from…
13th/30%
Britain’s rank* and Index score in January 2014
Britain’s current scores for each Index component:
35%
27%
40%
1) Current financial situation
% “strong”
2) Future financial situation
% “stronger”
3) Making a major purchase
% “more comfortable”
Base: 1,005 GB adults 16-64 interviewed 7th – 21st October 2014; full details at ipsos- mori.com
Ipsos Financial Security (FS) Monitor
How Britain fares
Britain’s scores for the Index components since March 2010
10%
15%
20%
25%
30%
35%
40%
45%
Jan-10
Apr-10
Jul-10
Oct-10
Jan-11
Apr-11
Jul-11
Oct-11
Jan-12
Apr-12
Jul-12
Oct-12
Jan-13
Apr-13
Jul-13
Oct-13
Jan-14
Apr-14
Jul-14
Oct-14
*Out of the 24 countries tracked
Current financial situation % “strong”
Making a major purchase
% “more comfortable”
Future financial situation
% “stronger”
27%
35%
40%

10. The Ipsos Financial Security Index - by country/ continental groupings

11. Ranking change since last month
% change since last month
November 2014
FS Figure
Germany
Great Britain
Belgium
Spain
Poland
Romania
Hungary
Sweden
France
Italy
November 2014
Global ranking*
45%
-5
3rd
25%
n/c
16th
34%
+1
11th
32%
-5
12th
21%
-4
19th
24%
n/c
1
17th
18%
-2
21st
22%
+3
18th
17%
n/c
22nd
12%
n/c
24th
Ipsos Financial Security (FS) Monitor
EU countries vs last month
*Out of the 24 countries tracked
3
2
3
1
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

12. Ranking change since last month
% change since last month
November 2014
FS Figure
Canada
Brazil
Mexico
Argentina
USA
November 2014
Global ranking*
52%
+1
2nd
40%
+2
6th
37%
-2
7th
37%
+5
8th
27%
-3
15th
Ipsos Financial Security (FS) Monitor
North & Latin American countries vs last month
*Out of the 24 countries tracked
1
1
4
2
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

13. Ranking change since last month
% change since last month
November 2014
FS Figure
1
Saudi Arabia
45%
+3
China
42%
-5
Australia
36%
n/c
South Africa
36%
-1
Turkey
30%
+1
Russia
28%
-1
South Korea
20%
-2
1
India
60%
n/c
Japan
14%
n/c
2
1
1
November 2014
Global ranking*
1st
4th
5th
9th
23rd
20th
14th
13th
10th
Ipsos Financial Security (FS) Monitor
Other countries (Africa, Asia, Oceania and Russia) vs last month
*Out of the 24 countries tracked
2
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

14. The Ipsos Financial Security Monitor - components of the Monitor by key country groupings

15. 27% Strong
(n/c since Jan ’14)
44%
Weak
(n/c since Jan ’14)
Q: Rate your current financial situation, using a scale from 1 to 7, where 7 means your personal financial situation is very strong today and 1 means it is very weak.
29% say neither weak nor strong
Component 1: current personal financial situation
Global scores: November 2014
Strong = top 3 boxes
Weak = bottom 3 boxes
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

16. 0%
5%
10%
15%
20%
25%
30%
35%
40%
Global
Germany
GB
35%
32%
27%
Q: Rate your current financial situation, using a scale from 1 to 7, where 7 means your personal financial situation is very strong today and 1 means it is very weak.
Base: c. 18,000 adults, aged 16-64 interviewed each month across 24 countries; full details available at ipsos-mori.com
Strong = top 3 boxes
Component 1: current personal financial situation
% “Strong” by month: selected countries

17. Q: Looking ahead six months from now, do you expect your personal financial situation to be much stronger, somewhat stronger, about the same, somewhat weaker, or much weaker than it is now?
48% say ‘about the same’
Component 2: future personal financial situation
Global scores: November 2014
33% Stronger
(-4 since Jan ’14)
19% Weaker
(+4 since Jan ‘14)
Stronger = top 2 boxes
Weaker = bottom 2 boxes
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

18. Q: Looking ahead six months from now, do you expect your personal financial situation to be much stronger, somewhat stronger, about the same, somewhat weaker, or much weaker than it is now?
Base: c. 18,000 adults, aged 16-64 interviewed each month across 24 countries; full details available at ipsos-mori.com
Component 2: future personal financial situation
% “Stronger” by month: selected countries
Stronger = top 2 boxes
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
Global
Germany
GB
33%
24%
27%

19. 34% More comfortable
(n/c since Jan ‘14)
66% Less comfortable
(n/c since Jan ’14)
Component 3: ‘comfortableness’ with making a major purchase
Global scores: November 2014
Q: Compared to 6 months ago, are you NOW more or less comfortable making a major purchase, like a house or a car?
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

20. Q: Compared to 6 months ago, are you NOW more or less comfortable making a major purchase, like a house or a car?
Base: c. 18,000 adults, aged 16-64 interviewed each month across 24 countries; full details available at ipsos-mori.com
Component 3: ‘comfortableness’ with making a major purchase
% “More comfortable” by month: selected countries
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
Global
Germany
GB
34%
39%
40%

21. The bigger picture - how citizens feel about their country’s overall current economic situation

22. 39% Good
(+2 since Jan ‘14)
61% Bad
(-2 since Jan ‘14)
Current economic situation in your country overall
Global scores: October 2014
Q: Now, thinking about our economic situation, how would you describe the current economic situation in ...? Is it…
Good = top 2 boxes
Bad = bottom 2 boxes
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

23. Q: Now, thinking about our economic situation, how would you describe the current economic situation in ...? Is it…
Current economic situation overall in your country
% “Good” by month: selected countries
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
Global
Spain
US
China
Germany
GB
France
7%
39%
75%
42%
70%
41%
Base: c. 18,000 adults, aged 16-64 interviewed each month across 24 countries; full details available at ipsos-mori.com
7%

24. ES
MX
0%
10%
20%
30%
40%
50%
60%
70%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Argentina (AR)
Australia (AUS)
Belgium (BE)
Brazil (BR)
Canada (CA)
China (CH)
France (FR)
Germany (DE)
Hungary (HU)
India (ID)
Italy (IT)
Japan (JP)
Mexico (MX)
Poland (PL)
Russia (RUS)
South Korea (KOR)
Spain (ES)
Sweden (SW)
Saudi Arabia (KSA)
South Africa (SA)
Great Britain (GB)
USA (US)
Turkey (TU)
Romania (RO)
Global
SA
PL
Q: Now, thinking about our economic situation, how would you describe the current economic situation in ...? Is it…
Current economic situation overall in your country vs Ipsos FS Monitor
All countries
Global avg
GB
US
DE
CH
JP
Current economic situation- % “strong”
Ipsos FS Index figure
BR
ID
SW
KSA
AUS
RUS
TU
BE
AR
KOR
RO
FR
IT
= this month’s highlighted countries
CA
HU
Base: 18,084 adults 16-64 interviewed 7th – 21st October 2014 online across 24 countries; full details at ipsos-mori.com

25. Ipsos Financial Security Monitor- Technical note
The Ipsos Financial Security Monitor is an average taken from responses to three questions from Ipsos’ Global Advisor omnibus. These questions are:
•B8-“Rate your current financial situation, using a scale from 1 to 7, where 7 means your personal financial situation is very strong today and 1 means it is very weak.”
•B9-“Looking ahead six months from now, do you expect your personal financial situation to be much stronger, somewhat stronger, about the same, somewhat weaker, or much weaker than it is now?”
•B10-“Compared to 6 months ago, are you NOW more or less comfortable making a major purchase, like a home or car?” The figures used to calculate this average is the percentage of people who answer in the affirmative (i.e. “strong”, “stronger” and “more comfortable”) to each of the above questions. As two (B8 & B9) of these questions are based on scales, those respondents who answer at or near the top of the scale are included in these groups. E.g. 7 is the top point on B8’s scale. All respondents who placed their answers at points 5, 6 or 7 on B8’s scale would be included in the “strong” category, and thus the Index average.

26. Ipsos Global Advisor- Technical note
Ipsos Global Advisor is a monthly survey conducted in 24 countries around the World via the Ipsos Online Panel system. The countries’ data which form this report are Argentina, Australia, Belgium, Brazil, Canada, China, France, Great Britain, Germany, Hungary, India, Italy, Japan, Mexico, Poland, Romania, Russia, Saudi Arabia, South Africa, South Korea, Spain, Sweden, Turkey and the United States of America.
Between 7th and 21st October, an international sample of 18,084 adults aged 18-64 in the USA and Canada, and aged 16-64 in all other countries, was interviewed. Approximately 1,000 individuals participated in the survey from each country, with the exceptions of Argentina, Belgium, Hungary, Mexico, Poland, Romania, Saudi Arabia, South Africa, South Korea, Sweden and Turkey, where each has a sample of c.500 individuals.
All data are weighted so as to balance demographics and to ensure that the sample’s composition reflects that of the adult population according to the most recent country Census data.