Attitudes towards New Zealand s financial markets General public investor research May 2017
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1 Attitudes towards New Zealand s financial markets General public investor research May 2017
2 Methodology This is the fifth year that FMA has carried out investor research measuring attitudes towards, and investment in New Zealand s financial markets. The research was carried out online using Colmar Brunton s omnibus. Fieldwork was conducted between 29 th March and 5 th April A total of 1,000 New Zealanders took part in the research in Results are weighted by age, gender, and region to ensure the results are representative of the New Zealand population. The margin of error for overall results n=1,000 is +/-3.1%. $ Of the 1,000 people surveyed this year, 891 had an investment in New Zealand s financial markets. Colmar Brunton SLIDE 2
3 Key outtakes Confidence in New Zealand s financial markets has increased since Investors in general are driving this increase, and in particular those with superannuation schemes (other than KiwiSaver). Two-thirds of respondents are confident that the market is effectively regulated, while half of people agree that the FMA supports market integrity. Investors, who have heard of the FMA, are most positive and confident. Confidence in effective regulation has increased significantly for people with a superannuation scheme (other than KiwiSaver). $ Nine out of ten people have an investment, the most common is KiwiSaver. Over half of investors find their investment materials helpful. The biggest increases in perceptions of helpfulness from 2016 to 2017 are for investors with shares they bought themselves or another superannuation scheme besides KiwiSaver. Colmar Brunton SLIDE 3
4 Confidence in New Zealand s financial markets
5 Confidence in New Zealand s financial markets has increased in 2017 to the highest level since the survey began in Total confident % % 22% % % 29% 11% 5 Very confident Fairly confident Not very confident Not at all confident Don't know Qa. How much confidence do you have in New Zealand s financial markets? Are you Base: All respondents (2013 n=1,021, 2014 n=1,015, 2015 n=1,000, 2016 n=1,000, 2017 n=1,000). Colmar Brunton SLIDE 5
6 The group of people who are confident in New Zealand s financial markets % % 22% % 29% 11% Very confident Fairly confident Not very confident Not at all confident Don't know The group of people who say they are confident in New Zealand s financial market is more likely to be male and living in Auckland. They are more likely to be married or living with their partner, with a double income and no kids. They are most likely to have a high personal and household income ($100k+). Those who are not confident are more likely to be single with no children. Qa. How much confidence do you have in New Zealand s financial markets? Are you Base: All respondents (2013 n=1,021, 2014 n=1,015, 2015 n=1,000, 2016 n=1,000, 2017 n=1,000). Colmar Brunton SLIDE 6
7 The increase in confidence in the financial markets is driven by investors. Total confidence Investors 2017 (n=891) 2016 (n=885) % 12% 12% 69% 59% Non-investors 2017 (n=109) 2016 (n=115) 2% 37% 41% 28% 2 7% % 4 Very confident Fairly confident Not very confident Not at all confident Don't know Qa. How much confidence do you have in New Zealand s financial markets? Are you Base: All respondents Colmar Brunton SLIDE 7
8 People with a superannuation scheme other than KiwiSaver are the most confident, while those with KiwiSaver and bonds they bought themselves are the least confident. Other superannuation scheme (n=155) 9% 72% 11% Residential property investments (n=126) 7 12% 2% Managed funds/unit trusts (n=136) 7% 7 7% Shares you bought yourself (n=214) % Term deposits (n=317) 9% 68% 1 2% 7% Bonds you bought yourself (n=113) 8% 20% KiwiSaver (n=680) 62% 17% 1 Very confident Confident Not very confident Not at all confident Don't know Qa. How much confidence do you have in New Zealand s financial markets? Are you Base: Investors in each scheme where n>30 Colmar Brunton SLIDE 8
9 There are increases in confidence for all investment types apart from managed funds/unit trust, which remain the same from 2016 to The most marked increase comes from investors with other superannuation schemes. 100% % very or fairly confident 90% 80% 70% 80% 7 71% % 81% 78% 77% 68% 67% 50% 57% Managed funds/unit trusts Shares you bought yourself Residential property investments Term deposits Bonds you bought yourself Other superannuation scheme KiwiSaver Qa. How much confidence do you have in New Zealand s financial markets? Are you Base: Investors in each scheme where n>30 Colmar Brunton SLIDE 9
10 Increases in confidence from 2016 to 2017 come from both people who are aware of the FMA and people who are not. 100% 90% % very or fairly confident 80% 70% 50% 68% 49% 79% 5 40% Aware of the FMA Not aware of the FMA Qa. How much confidence do you have in New Zealand s financial markets? Are you Base: All respondents Colmar Brunton SLIDE 10
11 The number of people who say their confidence has increased has gone up slightly from 2016 to 2017 and the number of people who say their confidence has decreased has gone down from 2016, both positive shifts % 6 1 8% % 2 9% % % 57% % 51% 2 Increased Stayed the same Decreased Don't know Males, who live in Auckland, with a personal income of $100K or more are more likely to say their confidence has increased There are no demographic differences among the group of people who say their confidence has decreased Qb. And has your level of confidence in New Zealand s financial markets increased, decreased or stayed the same over the last year? Base: All respondents (2013 n=1,021, 2014 n=1,015, 2015 n=1,000, 2016 n=1,000, 2017 n=1,000). Colmar Brunton SLIDE 11
12 One quarter of people with residential property investments say their confidence has increased. Residential property investments (n=126) 2 58% 1 1% Bonds you bought yourself (n=113) 20% 59% 17% Managed funds/unit trusts (n=136) 19% 58% 20% Shares you bought yourself (n=214) 18% 6 1 2% Other superannuation scheme (n=155) 1 68% 1 Term deposits (n=317) 1 68% 1 KiwiSaver (n=680) % Increased Stayed the same Decreased Don't know Qb. And has your level of confidence in New Zealand s financial markets increased, decreased or stayed the same over the last year? Base: Investors in each scheme Colmar Brunton SLIDE 12
13 Confidence has increased across all investment types from 2016 to 2017 apart from managed funds/unit trust which remain the same. The most marked increase comes from investors with residential property investments and bonds they bought themselves. 30% 2 % confidence increased 20% % 9% 20% 19% 18% % Managed funds/unit trusts Shares you bought yourself Residential property investments Term deposits Bonds you bought yourself Other superannuation scheme KiwiSaver Qb. And has your level of confidence in New Zealand s financial markets increased, decreased or stayed the same over the last year? Base: Investors in each scheme Colmar Brunton SLIDE 13
14 Awareness and perceptions of FMA and regulation
15 Two-thirds of people are confident that New Zealand s financial markets are effectively regulated. Confidence is highest among people who have heard of the FMA and people who have investments. All respondents (n=1,000) 1 2% 18% Total confident 6 Heard of FMA (n=405) 67% 1 77% Not heard of FMA (n=531) 2% 5 1 2% 2 5 Investors (n=891) 6 1 2% 1 69% Non-investors (n=109) 29% Very confident Fairly confident Not very confident Not at all confident Don't know Qf. The responsibility for ensuring effective regulation and oversight of New Zealand s financial services and markets is shared by the FMA and front line regulators, including the NZX, and supervisors (or trustees) of both managed funds and KiwiSaver providers. How confident are you that New Zealand s financial markets are effectively regulated? Base: All respondents Colmar Brunton SLIDE 15
16 Confidence in the regulation of the markets is highest amongst people with an other superannuation scheme Other superannuation scheme (n=155) 7% 78% 7% 2% Shares you bought yourself (n=214) 11% 68% 1 Managed funds/unit trusts (n=136) 8% 70% 9% 8% Residential property investments (n=126) 8% 69% Term deposits (n=317) 69% 1 2% 9% KiwiSaver (n=680) 62% 1 2% 17% Bonds you bought yourself (n=113) 61% 1 1 Very confident Confident Not very confident Not at all confident Don't know Qf. The responsibility for ensuring effective regulation and oversight of New Zealand s financial services and markets is shared by the FMA and front line regulators, including the NZX, and supervisors (or trustees) of both managed funds and KiwiSaver providers. How confident are you that New Zealand s financial markets are effectively regulated? Base: Investors in each scheme Colmar Brunton SLIDE 16
17 Confidence in effective regulation has increased the most for people with an other superannuation scheme from 2016 to % % very or fairly confident 90% 80% 70% 8 80% 79% 78% 7 77% % 68% Managed funds/unit trusts Shares you bought yourself Residential property investments Term deposits Bonds you bought yourself Other superannuation scheme KiwiSaver Qf. The responsibility for ensuring effective regulation and oversight of New Zealand s financial services and markets is shared by the FMA and front line regulators, including the NZX, and supervisors (or trustees) of both managed funds and KiwiSaver providers. How confident are you that New Zealand s financial markets are effectively regulated? Base: Investors in each scheme Colmar Brunton SLIDE 17
18 Awareness of FMA is slowly increasing over time and has remained stable in the last three years % % % 52% % 7% % Yes No Don't know People who have heard of the FMA are more likely to be male, live in Auckland or Wellington, and be 60 years old and over. They are most likely to live in a double income house with no kids and have personal and household income of $100K or over. People who have not heard of the FMA are more likely to be female, aged years, and live in the South Island outside of Christchurch. They are most likely to live in a household with kids and have a personal income of up to $50K Qc. Have you heard of the Financial Markets Authority (FMA)? Base: All respondents (2013 n=1,021, 2014 n=1,015, 2015 n=1,000, 2016 n=1,000, 2017 n=1,000). Colmar Brunton SLIDE 18
19 Half of all people agree that the FMA supports market integrity. This is higher among people who have heard of the FMA and people who have investments. Total (n=1,000) 4 28% 20% Heard of FMA (n=405) 11% 58% 20% 1% 7% Not heard of FMA (n=531) 3 3 2% 29% Investors (n=891) 4 27% 1% 18% Non-investors (n=109) 2% 2 32% 39% Strongly agree Agree Neither nor Disagree Strongly disagree Don't know Qg. One of the primary roles of the FMA is to support the integrity of New Zealand s financial markets which, for investors, means making sure NZ financial service providers operate in a way that is fair, honest and effective. To what extent do you agree or disagree that The FMA supports the integrity of NZ s financial markets? Base: All respondents Colmar Brunton SLIDE 19
20 Investments
21 Nine out of ten people have an investment, the most popular of which is KiwiSaver, with over two-thirds of people invested. One-third of people have term deposits, the next most popular investment type. of people don t have any investments 11% 89% of people have an investment People who are most likely to have investments live in Auckland, are married or living with a partner, and have personal income $50k+ and a household income $100k+. People who are least likely to have investments single and live in the South Island outside of Christchurch. They are more likely to have lower incomes less than $50k personal and household income. 68% 32% 22% % 2% 2% 1% 1% KiwiSaver Term deposits Shares you bought yourself Other superannuation scheme Managed funds / Unit trusts Residential property investments (other than your own home) Bonds you bought yourself (not through KiwiSaver or other managed funds) Commercial property investments Peer to peer lending Property syndicates Capital notes or hybrid bonds Qd. Which of the following investments, if any, do you have in New Zealand s financial markets? Base: All respondents 2017 n=1,000 Colmar Brunton SLIDE 21
22 Over half of investors find the investment materials they receive helpful, and one quarter do not. The number of people who say they don t know is increasing over time % 21% % 3 17% % % % 3 12% Yes No Don't know Note: The way investors are identified changed in Previously people were asked if they had any investments (Yes/No/Don t know). In 2016 and 2017 people were asked to identify which investments they have from a pre-coded list. Qe. Thinking about your most recent investment, did the investment materials you received (e.g. prospectuses, investment statements, product disclosure statements or adviser disclosure statements etc) help you make an informed decision about whether or not to invest? Base: All investors (2013 n=742, 2014 n=749, 2015 n=763, 2016 n=885, 2017 n=891) Colmar Brunton SLIDE 22
23 People who have shares they bought themselves are most likely to say their statements helped them make an informed decision, followed by those with an other superannuation scheme or a managed fund/unit trust. KiwiSaver members are least likely to agree their statements helped, and people with bonds they bought themselves are most likely to disagree their statements helped. Shares you bought yourself (n=214) 67% 2 11% Other superannuation scheme (n=155) % Managed funds/unit trusts (n=136) 6 21% 1 Term deposits (n=317) 59% 27% 1 Residential property investments (n=126) % Bonds you bought yourself (n=113) 51% 3 1 KiwiSaver (n=680) 51% 28% 22% Yes No Don't know Qe. Thinking about your most recent investment, did the investment materials you received (e.g. prospectuses, investment statements, product disclosure statements or adviser disclosure statements etc) help you make an informed decision about whether or not to invest? Base: Investors in each scheme Colmar Brunton SLIDE 23
24 The biggest increases in perceptions of the helpfulness of investment materials comes from investors with shares they bought themselves, and investors with an other superannuation scheme. 80% % yes 70% 50% 67% 6 58% 59% 57% % 51% 50% 40% Managed funds/unit trusts Shares you bought yourself Residential property investments Term deposits Bonds you bought yourself Other superannuation scheme KiwiSaver Qe. Thinking about your most recent investment, did the investment materials you received (e.g. prospectuses, investment statements, product disclosure statements or adviser disclosure statements etc) help you make an informed decision about whether or not to invest? Base: Investors in each scheme Colmar Brunton SLIDE 24
25 Appendix: investors vs non investors
26 Investor versus non-investor confidence in New Zealand s financial markets over time Confident % All % 22% % % 29% 11% % 12% 69% Investors % % 2 12% 59% 6 61% % 58% Non-investors % 1% 1% 37% 41% 4 48% 41% 28% % 7% % 7% 12% 1 40% 4 47% 52% 42% Very confident Fairly confident Not very confident Not at all confident Don't know Note: The way investors are identified changed in Previously people were asked if they had any investments (Yes/No/Don t know). In 2016 and 2017 people were asked to identify which investments they have from a pre-coded list. Qa. How much confidence do you have in New Zealand s financial markets? Are you Base: All respondents (2013 n=1,021, 2014 n=1,015, 2015 n=1,000, 2016 n=1,000, 2017 n1,000) Investors (2013 n=742, 2014 n=749, 2015 n=763, 2016 n=885, 2017 n=891) Non-investors (2013 n=274, 2014 n=253, 2015 n=237, 2016 n=115, 2017 n=109) Colmar Brunton SLIDE 26
27 Increases and decreases in investor versus non-investor confidence over time % 6 1 8% % 2 9% All % % 57% % 51% Investors % 2 62% 57% % 7% % 5 2 Non-investors % 1 12% 51% 62% % 2 19% 22% 30% 18% 20% 1 1 8% 12% Increased Stayed the same Decreased Don't know Note: The way investors are identified changed in Previously people were asked if they had any investments (Yes/No/Don t know). In 2016 and 2017 people were asked to identify which investments they have from a pre-coded list. Qb. Has your level of confidence in New Zealand s financial markets increased, decreased or stayed the same over the last year? Base: All respondents (2013 n=1,021, 2014 n=1,015, 2015 n=1,000, 2016 n=1,000, 2017 n=1,000); Investors (2013 n=742, 2014 n=749, 2015 n=763, 2016 n=885, 2017 n=891) Non-investors (2013 n=274, 2014 n=253, 2015 n=237, 2016 n=115, 2017 n=109) Colmar Brunton SLIDE 27
28 Awareness of FMA among investors and non-investors over time % % 5 All % 3 52% 58% 7% % % Investors % 4 38% 38% 5 48% 5 57% 9% Non-investors % 27% % 67% 68% 62% 6 72% 1 12% Yes No Don't know Note: The way investors are identified changed in Previously people were asked if they had any investments (Yes/No/Don t know). In 2016 and 2017 people were asked to identify which investments they have from a pre-coded list. Qc. Have you heard of the Financial Markets Authority (FMA)? Base: All respondents (2013 n=1,021, 2014 n=1,015, 2015 n=1,000, 2016 n=1,000, 2017 n=1,000); Investors (2013 n=742, 2014 n=749, 2015 n=763, 2016 n=885, 2017 n=891) Non-investors (2013 n=274, 2014 n=253, 2015 n=237, 2016 n=115, 2017 n=109) Colmar Brunton SLIDE 28
29 Appendix: confidence by income
30 Confidence by income: All respondents 8 57% 6 57% 61% % 69% 7 58% 47% 3 All Under $20,000 $20,000 to $49,999 $50,000 to $99,999 $100,000 to $149,999 $150,000 and over Preferred not to say Qa. How much confidence do you have in New Zealand s financial markets? Are you Base: All respondents 2016 n=1,000, 2017 n=1,000 Colmar Brunton SLIDE 30
31 Confidence by income: Investors 8 58% 68% % 68% 67% 70% 7 51% 3 All Under $20,000 $20,000 to $49,999 $50,000 to $99,999 $100,000 to $149,999 $150,000 and over Preferred not to say Qa. How much confidence do you have in New Zealand s financial markets? Are you Base: All investors 2016 n=885, 2017 n=891 Colmar Brunton SLIDE 31
32 For further information please contact: Kate Brazier Colmar Brunton, a Millward Brown Company Level 9, Legal House 101 Lambton Quay PO Box 3622 Wellington 6011 Phone (04) Fax (04)
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