Assessing the Levels of Financial Capability and Financial Well-being in Ireland. A report to the Competition and Consumer Protection Commission (CCPC), Ireland
Abstract
Denne rapporten analyserer økonomisk trygghet i Irland, basert på data samlet inn i januar og februar 2018. Innbyggerne i Irland forventes å ta ansvar for sin eget økonomiske trygghet, både i nåtid og i fremtiden. Likevel skåret de bare moderat godt på indikatoren for generell økonomisk trygghet og mange lå dårlig an til å sikre en rimelig god økonomi pensjonsalderen. Gjennomsnittskåren for generell økonomisk trygghet var bare 64 (ut av 100), noe som er betydelig lavere enn i Norge (77), men bedre enn i Australia og New Zealand (hver 59). Resultatene i denne rapporten peker på behovet for to viktige langsiktige strategier:
utdanning for barn og unge og automatisk innmelding i pensjonssparing. På kortere sikt er det behov for å oppmuntre til mer
sparing, særlig blant personer i arbeidsfør alder, men også blant pensjonister. Samtidig er det behov for støtte til mennesker i økonomiske vanskeligheter. This report analyses financial well-being in Ireland, based on data collected in January and February 2018. Irish people, like
their counterparts in many countries, are expected to take responsibility for their own financial well-being, both currently and in the future. Yet they were doing moderately well in terms of general financial well-being and had low levels of financial resilience for retirement. The average score for general financial well-being was 64 (out of 100), which is lower than in Norway (77) but rather better than in either Australia or New Zealand (each 59). The evidence in this report points to the need for two important long-term strategies: education for children and young people and auto-enrolment in pensions. In the shorter term, there is a need to promote higher levels of saving, particularly among people of working age, but also among retirees. At the same time, there is a demonstrable need for support for people in financial difficulty.