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.

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

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Consumers, Saving and Investing - UK - January 2014