Two thirds of Britons are £65k worse off 予定 to low 財政上の 信用／信任

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Two thirds of Britons are £65,000 worse off on 普通の／平均（する） over the course of their life 予定 to low 財政上の 信用／信任 and knowledge, a 熟考する／考慮する （人命などを）奪う，主張するs.?

Only 32 per cent feel 確信して when it comes to managing their money, new 人物／姿／数字s from 数字表示式の wealth 経営者／支配人 Moneybox 示唆する.

Additionally, 64 per cent believe they have 行方不明になるd out on 財政上の 適切な時期s in life 予定 to their 欠如（する） of money knowledge and 信用／信任.

Worse off: Two thirds of UK adults are £65,000 worse off on 普通の／平均（する） 予定 to lo

If these people were better supported to make 財政上の 決定／判定勝ち（する）s with greater 信用／信任, Moneybox 示唆するs this could equate to a 可能性のある £2trillion of spending 力／強力にする to the UK economy.

The 研究 明らかにする／漏らすs that people who are more financially 確信して have a higher 逮捕する 価値（がある）, even when adjusting for income, to the tune of £84,000.

What's behind it?

Most people in Britain have never received 財政上の education in school so they have been left to 人物／姿／数字 out how to manage their 財政／金融s and 計画（する） for the 未来 through a 過程 of 裁判，公判 and error, unless they can afford 規制するd 財政上の advice.

It has created a 財政上の 信用／信任 gap which means many people are 行方不明の out on 存在 able to grow their money over the long 称する，呼ぶ／期間／用語 in the best way for their circumstances.

Data shows that financially 確信して people save and 投資する more money, more 終始一貫して.?

For example, 70 per cent who consider themselves 確信して are saving 月毎の, and （不足などを）補う 96 per cent of 月毎の savers. They put away £129 more per month than those without 信用／信任.

They are also 投資するing 68 per cent more per month than those that 欠如（する） 信用／信任, at an 普通の／平均（する） of £1,300 more per year.

This 財政上の 信用／信任 gap has a 抱擁する 衝撃 on wealth in the UK.?

The 普通の／平均（する） 逮捕する 価値（がある） across those who have low levels of 財政上の 信用／信任 sits £58,000 behind those that feel more 確信して (£114,000 compared to £172,000), which 量s to a gap of £1.3trillion across the UK.

This gap grows even more for people who have no 信用／信任 at all, with the 不和 stretching to £84,000 behind that of a UK adult with any level of 信用／信任 (£60,000 compared to £143,000).

While friends and family are most often credited as where people learned how to manage their money and 計画（する） for the 未来, those who rely 単独で on personal 関係s to guide them in 財政上の 事柄s were 設立する to be almost 30 per cent worse off financially than the 普通の／平均（する）.

New 研究 from Lloyds Bank shows that the main 財政上の 役割 model for younger people between the ages of 18 to 25 is a parent, as 42 per cent turn to their parents for help with money.?

A third of this group are put off 投資するing by not feeling they know enough to get started.

Plugging the £2trillion gap

The FCA and the 財務省 have been w orking on 提案s to 橋（渡しをする） the advice gap in the form of the Advice 指導／手引 境界 Review.

The 提案 the FCA and 産業 groups are most 利益／興味d in is the 的d support 提案 - a new approach which would 許す 会社／堅いs to 供給する support tailored to groups of people in 類似の circumstances.

It would 許す 会社／堅いs to use 限られた／立憲的な data they have on people to 示唆する 製品s or courses of 活動／戦闘.?

A person could be identified as belonging to a 的 market and the 会社／堅い could 示唆する 選択s on the basis of 'people like you.'

For example, a 顧客 持つ／拘留するing a sum of money in their bank account which 会合，会うs the 会社／堅いs 鮮明度／定義 of 超過 cash.?

The 会社／堅い could 最高潮の場面 that their money would be better placed to （警官の）巡回区域，受持ち区域 インフレーション if it were 投資するd and 示唆する 製品s which 提携させる with the 顧客s needs.

正確に／まさに what data would be used to 設立する what 'people like you' means has not been 設立するd yet.

A 政策 paper 詳細（に述べる）ing the 提案s was published in December and the FCA is 招待するing 返答s to the paper before 28 February.

Brian Byrnes, 長，率いる of personal 財政／金融 at Moneybox, says: 'Most probably 港／避難所't heard of the 近づいている Advice 指導／手引 境界 Review, but it could be 革命の for 消費者 財政／金融s.

'It 代表するs a pivotal moment; the 財政上の ecosystem in the UK has the 集団の／共同の 適切な時期 to 精密検査する how th e British public is supported in navigating the 複雑さs of personal 財政／金融s, filtering the streams of （警察などへの）密告，告訴（状） 利用できる to them, cutting out the unhelpful noise, and helping people make 財政上の 決定／判定勝ち（する）s with more 信用／信任.

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