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- W167967621 abstract "Household savings in Australia have declined dramatically over the past two decades. The savings ratio for the December quarter of 2003 was –2.7%. In addition to this alarming figure, the assets held by people aged 25 – 34 has dropped by almost 40% compared with the same age bracket in 1993 (National Centre of Social and Economic Modelling, 2003). Easily obtainable credit, societal pressures to spend and low interest rates are the primary factors attributed to this decline. While the savings status of Australians in general is cause for concern, the plight of the low-income sector is significantly worse. There are additional factors that impact this sector making it difficult for their financial situation to improve. Firstly, this sector in general has lower levels of financial literacy than the national average (ANZ 2003). ANZ (2003, p.2) in their report on Adult Financial Literacy in Australia uses the following definition of financial literacy:" @default.
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- W167967621 date "2005-01-01" @default.
- W167967621 modified "2023-09-27" @default.
- W167967621 title "Saver Plus: Saving for a better future" @default.
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