Opinion on Savings and Investments

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Expert View
Expert View

Are we in the grip of a 'Psychological Recession'?

The Generation Recession report recently commissioned by Friends Provident has indicated that the UK is in the grip of a 'Psychological Recession', an assertion supported by Datamonitor research. While there is a significant disparity between the perceived effect of the recession on consumers and its actual effect on their day-to-day financial lives, such perceptions are perpetuating the problem.

Published By Datamonitor
14 Aug 2009
Expert View
Expert View

Bank of America announces plans to charge monthly maintenance fees on its accounts

Bank of America plans to introduce tiered accounts for which customers will have to pay a maintenance fee. This means the reintroduction of premium bank accounts that will carry a charge of up to $25 a month. Given the current economic climate and the trend toward fiscal austerity, it seems unlikely that customers will be receptive to these accounts.

Published By Datamonitor
13 Jan 2011
CommentWire
CommentWire

Commbank: looking to educate tomorrow's customers, today

The Commonwealth Bank of Australia has launched Coinland, a virtual online game designed to educate primary school children in money management and the consequences of spending. With new Datamonitor findings highlighting a lack of understanding and engagement between banks and consumers, this new initiative sees Commbank well poised to capitalize on this gap in the market.

Published By Datamonitor
21 Apr 2010
Expert View
Expert View

Consumers only save when they have something to spare; "OrSaveIt" encourages "impulse saving"

Consumers in the UK are struggling to save regularly, with over a third only saving when they have something to spare. A new app called "OrSaveIt" has been designed to allow consumers to transfer money to their savings when they resist the urge to spend. The convenience of this app and its use of goals will appeal to consumers who find it difficult to save.

Published By Datamonitor
21 Sep 2012
Expert View
Expert View

Downturn reveals weaknesses in UK consumers' pensions' savings plans

Datamonitor's Financial Services Consumer Insights survey reveals that attempts to promote pension savings have been a failure, with around 69% of individuals globally still not having any pension policy in place. Consumers in the UK are particularly vulnerable and may not be able to rely on overburdened state systems in their retirement, making private pensions more vital than ever before.

Published By Datamonitor
27 Jul 2009
CommentWire
CommentWire

Economic slowdown highlights the importance of savings culture

According to OECD data, the average household savings rate between 1992 and 2001 was 8.46%. This fell to 3.46% between 2002 and 2008, symptomatic of the high levels of consumer spending that characterized much of the decade. Although the global economic slowdown exacerbated the low level of household savings in 2008, for many consumers the crisis has highlighted the importance of saving.

Published By Datamonitor
12 Apr 2010
CommentWire
CommentWire

FS: consumer confidence remains low despite signs of recovery

While there is a general belief that the economic recovery is at hand, policy uncertainty and fears of a 'double dip' recession mean that consumer anxieties remain. Indeed, recent figures show that consumer confidence in the US has fallen to its lowest level in 10 months. Financial services providers must engage with consumers and field products which offer security if they are to succeed.

Published By Datamonitor
24 Feb 2010
CommentWire
CommentWire

Good guys finish last: not in the case of ethical financial services

In the past, ethical investment involved avoiding 'sin' stocks such as alcohol, gambling or armaments. This has evolved into fund managers who actively seek out opportunities in clean tech, energy security and water, among other socially responsible investments. These not only bring moral assurance but, according to new research, are earning very attractive returns.

Published By Datamonitor
21 Dec 2009
Expert View
Expert View

Growing savings by acting on impulse

Banks need to offer an impulse saving service to foster a savings habit among customers who find it difficult to put money aside. This will help to grow the deposit base as well as assuaging negative perceptions regarding the ability to save.

Published By Datamonitor
10 Apr 2013
Expert View
Expert View

Halifax offers cash prizes to attract savers

Banks are under pressure to increase their capital ratios, but with little room to maneuver on interest rates, they have to come up with innovative means of attracting deposits. The Halifax Savers Prize Draw offers customers the chance to win prizes worth up to GBP100,000 every month, but consumers should be wary.

Published By Datamonitor
28 Sep 2011

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