Savings and Investments
This reports looks at consumer attitudes and behaviours with
regards to savings and investments. One of the fundamental causes
of the Global Financial Crisis (GFC) was the consumer's focus on
acquiring liabilities (i.e. debt) in order to finance the
accumulation of mainly illiquid assets (i.e. housing): effectively
borrowing short term and liquid to invest long term and
illiquid.
In the post-GFC world, where easy credit is no longer available,
how will consumers approach building their wealth and how will they
re-balance their investments away from real assets in the shape of
bricks and mortar towards financial assets?
The report assesses consumer attitudes to investing and savings,
including consumer attitudes to risk and return, and consumer
behaviours with regards to product ownership and amounts
invested.
Over 20 questions were asked in total, covering the
following topics:
- Product ownership and investment intentions
- Information sources used when investing
- Total value of wealth owned
- Sales channels used to purchase products and the routes to
market
- How investments are made (lump sum or regular savings)
- How frequently consumers review their savings and
investments
- Attitudes to investment risk
- Expected financial returns
- Views on value for money of different asset classes
- Investment goals and risk
- What factors influence a product sale
- Factors influencing future investment plans.
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click here.
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