New Zealand Savings and Investment report. September 2010

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1 New Zealand Savings and Investment report September 2010

2 Contents Page: Savings and Investment in New Zealand 3 Appendix: Methodology and Contact Details 11 RaboDirect 2

3 Section 1 Your Savings and Investments RaboDirect 3

4 Less than half of New Zealanders have savings or investments outside of property Savings or Investments (Outside of Property) Total New Zealanders 55% 45% Yes, Have savings or investments outside of property Don t have any savings or investments BASE: Total , Q12 Do you have savings or investments outside of property e.g.. high interest savings, term deposits, managed funds, bonds, shares etc? RaboDirect 4

5 Over the past 6 months those that don t have investments outside of property appear to be doing worse than those with other investments. Over 50% of those with other savings and investments are saving the same or more over the past 6 months compared with less than 40% of those without other investments Savings Habits over the Last 6 Months Investments Outside of Property Savings Over Last 6 Months More Same Less Not at all 55% 13% 26% 20% 41% Don t have other savings 45% 22% 37% 24% 17% Yes, have other savings 17% 31% 22% 30% TOTAL Yes, have savings or investments outside of property Don t have any savings or investments BASE: Total Q12 Do you have savings or investments outside of property e.g.. high interest savings, term deposits, managed funds, bonds, shares etc? Significantly higher than those without other savings at the 90% confidence level Significantly lower than those without other savings at the 90% confidence level RaboDirect 5

6 Overall, 54% of people are managing to save money after paying their usual monthly expenses Debt Reduction 44% Saving 54% 9% 24% 16% 8% 3% 6% Spend on other 20% 3% 31% No money after expenses RaboDirect 6

7 For people managing to save after paying their usual monthly expenses the majority are either saving and reducing debt or just saving. There is a significant portion of the population who are not able to save or reduce debt after paying expenses Saving and Not Saving What People are Doing with their Money Saving Not Saving 100% 24% 16% 8% 6% 9% 3% 3% 31% Total Saving and debt reduction Saving Saving, debt reduction and spending Saving and spending Debt reduction Debt reduction and spending Spending No money left after expenses RaboDirect 7

8 For those that do have money left after paying their usual expenses, putting the extra into a savings account is the most popular saving method. Nearly half are paying down debt with credit cards and mortgages the primary targets How left over money is being used Money Left Over after Paying Usual Monthly Expenses Savings A personal savings account 79% Term deposits 19% 78% saving Bonds Other Saving or Investment Shares 8% 8% 7% 31% 69% Property Investments 7% Managed funds 4% Cash PIEs 3% Reducing Debt Credit Card 61% 64% paying off debt Mortgage 33% Personal loan 21% Yes Hire purchase 19% No BASE: Total Q12 Do you have savings or investments outside of property e.g.. high interest savings, term deposits, managed funds, bonds, shares etc? Other debt Car loan 11% 15% Total RaboDirect 8

9 When choosing where to invest, security of the investment is by far the most important criteria. Interest rates, fees and charges and access to money are the next tier of concern Top 5 Priorities when choosing an Investment Security of money 73% Highest interest rate 52% Fees and charges 47% Access to my money 46% Reputation of bank/finance company/supplier 39% Ease of transferring money in and out 24% Ability to manage online 18% It is covered by the government retail deposit guarantee scheme 17% How often the interest is paid 12% The institution gives back to the NZ economy 10% The institution s credit rating My history with the institution 10% 9% Total BASE: Total Q17 When choosing an investment like term deposits, savings accounts, bonds, managed funds and so on, what are the most important decision making factors for you? Please select up to 5 priorities. RaboDirect 9

10 Holidays is the most frequently saved for event, with emergencies, large purchases, retirement and life s necessities also mentioned often Items specifically saving for Holidays 21% Rainy day/emergencies 17% Large purchases (e.g., cars, property, children s education) 12% Retirement 12% Life s necessities (e.g. food, clothes, bills, children s expenses) 11% Renovations 8% Medium purchases (e.g., TV, computer, white goods) 7% Small purchases (e.g. luxuries, entertainment) 7% Cash investment 5% Other 3% Saving but for nothing in particular 13% Total Am not saving currently 46% BASE: Total 1038 Q16 (Asked of those saving) With your savings, are you saving for anything specific? RaboDirect 10

11 Appendix RaboDirect 11

12 Methodology Online interviewing using TNS s online panel, SmileCity Total Sample: N = 1,038 people aged 18 plus Data has been weighted by gender, age, area to ensure that all results provided at the total level are representative of all New Zealanders Fieldwork: 13 th 20 th August 2010 RaboDirect 12

13 Demographic Profile Total people Gender: Male 48% Female 52% Age: years 24% years 17% years 20% years 13% 60 plus years 27% Area: Auckland 33% Wellington 8% Other North Island 34% Christchurch 11% Other South Island 14% BASE: 1,038 RaboDirect 13

14 Contact details Address Physical address: Level 1, 7 Falcon Street, Parnell Auckland 1052 New Zealand Postal address: PO Box 6621, Wellesley Street Auckland 1141 New Zealand Contact Steve Allen Director t: f: e: steve.allen@tnsglobal.com Susan Arthur Senior Consultant t: f: e: susan.arthur@tnsglobal.com RaboDirect 14

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