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Financial Services Authority Levels of Financial Capability in the UK: Results of a baseline survey

One possibility is that states in which saving rates are highest introduced mandatory education earlier than others did. The main defence is that a dummy in the individual savings regression for whether the state ever imposed compulsory education is not significant. The interpretation of this observation is that states that imposed mandatory education do not have different intrinsic saving rates relative to the others. This is only partially convincing in countering the argument that what might matter is not whether a mandate was imposed but when it was. Perhaps the timing of mandates is correlated with prior saving rates. In. | Consumer Research 47 Financial Services Authority Levels of Financial Capability in the UK Results of a baseline survey Prepared for the Financial Services Authority by Personal Finance Research Centre University of Bristol Adele Atkinson Stephen McKay Elaine Kempson and Sharon Collard March 2006 Acknowledgments The research project was carried out on behalf of the FSA by Elaine Kempson Adele Atkinson Stephen McKay and Sharon Collard at the Personal Finance Research Centre University of Bristol. BMRB Limited carried out the fieldwork for the research. The research project was managed by Steve Nuttall and Simon Sarkar at the FSA. Tel 020 7066 4122 e-mail steve.nuttall@fsa.gov.uk Tel 020 7066 4268 e-mail simon.sarkar@fsa.gov.uk Copies of this report can be downloaded from the publications section of the FSA website -http www.fsa.gov.uk Pages Library Other_publications Consumer index.shtml Detailed commentary on development of the financial capability baseline survey instrument can be found within the following two documents. Financial Capability baseline survey Methodological report http www.fsa.gov.uk pubs consumer-research crpr47a.pdf Financial Capability baseline survey questionnaire http www.fsa.gov.uk pubs consumer-research crpr47b.pdf There is also a companion report written by the FSA which draws out the conclusions for our strategy to raise levels of financial capability in the UK. Financial Capability in the UK Establishing a Baseline http www.fsa.gov.uk pubs other fincap_baseline.pdf Contents 1. Executive summary.1 1.1. Development work.1 1.2. Analysing the survey.2 1.3. Financial capability scores.4 1.4. Cluster analysis.6 1.5. Conclusion.8 2. Introduction.10 2.1. Designing a survey of financial capability.10 2.2. Analysing the main survey of financial capability.12 2.3. The report.13 3. Overview of the approach to measuring financial capability.14 3.1. Methods of developing a financial capability score .14 3.2. The domains of financial capability.17 3.3.