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THE ANZ ROY MORGAN FINANCIAL WELLBEING INDICATOR –

QUARTERLY UPDATE

The ANZ Roy Morgan Financial Wellbeing Indicator is an ongoing time-series measures of financial wellbeing.

Powered by the Roy Morgan Single Source Survey, the ANZ Roy Morgan Financial Wellbeing Indicator provides unique, more in-depth insights each quarter into Australians’ financial wellbeing.

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Download latest release: July 2020

INDICATOR ARCHIVE

Quarterly update: July 2020

Quarterly update: March 2020

Launch report: December 2019

ANZ Roy Morgan Financial Wellbeing Indicator Latest Release: Australia

The latest release of the ANZ Roy Morgan Financial Wellbeing Indicator powered by the Roy Morgan Single Source Survey.

ANZ Financial Wellbeing Indicator Launch Report: NZ

An introduction to the ANZ Financial Wellbeing Indicator - a time-series measure of financial wellbeing in New Zealand.

FINANCIAL WELLBEING: A SURVEY OF ADULTS IN AUSTRALIA AND NEW ZEALAND 2018

This survey measured the financial wellbeing of 5,099 adults in Australia and New Zealand. It is the sixth in a series of comprehensive surveys that ANZ has conducted in Australia since 2002 that explores financial knowledge, attitudes and behaviours to money.

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Average financial wellbeing score

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How we calculated financial wellbeing scores

ANZ has conducted this survey based on a Personal Finance Research Centre (PFRC) model of financial wellbeing. The PFRC model used provided the basis for creating an overall financial wellbeing score for each person.  This score was derived from measures of the three components of financial wellbeing:

  • ability to meet financial commitments such as bills and loan payments (meeting commitments);
  • extent to which they felt comfortable with their current and future financial situation and to which their finances enabled them to enjoy life (feeling comfortable); and
  • ability to cope with a significant unexpected expense or fall in income (resilience for the future).

“The extent to which someone is able to meet all their current commitments and needs comfortably, and has the financial resilience to maintain this in the future"
- Professor Elaine Kempson defining financial wellbeing 

Our survey has evolved to encompass a broader view of financial wellbeing 

Financial wellbeing is a term that recognises that finances are inextricably linked with wellbeing; and are a vital part of every household, community and wider society. Financial wellbeing is determined by people’s behaviours, knowledge and skills, attitudes, motivations and behavioural biases and also by a range of environmental factors beyond their control.

 

ANZ Financial Wellbeing Summary Report: Australia

The sixth in a series of surveys which has explored financial literacy, attitudes and behaviours in Australia since 2002.

ANZ Financial Wellbeing Summary Report: NZ

The first survey measuring the financial wellbeing of adults in New Zealand.

ANZ Financial Wellbeing: Older Australians

A report by RMIT University providing insights on the financial wellbeing of older Australians.

FOREWORD: Group CEO

A broader view of financial wellbeing is an essential part of any strategy to build financial wellbeing in our region.

FOREWORD: Deputy CEO & Group Executive Wealth

A stronger focus on indicators of financial wellbeing and a broader look at financial behaviours.

FOREWORD: Group Executive New Zealand

Understanding the financial knowledge and behaviour of Kiwis and translating that understanding into real action.

FOREWORD: Professor Elaine Kempson

Financial wellbeing around the world.

ANZ welcomes your comments and enquiries about this survey. Please contact:
Michelle Commandeur
ANZ Head of Financial Inclusion
Michelle.Commandeur@anz.com