Financial capability research

Programme evaluations

Read the formal evaluations of the Commission's Warehouse workplace programmes and the outcomes they have delivered.

Evaluation of the Sorted Workplace Pilot (PDF 1597 KB) 

Evaluation of the Wainuiomata Sorted Workplace Programme (PDF 1029 KB)

Secondary schools research

Financial literacy of secondary students, and its place within secondary schools:
Full report >
Summary report >

Students getting ahead brochure 2015
Today’s students will face new challenges in their working lives and in their retirement as the population ages and the world around them changes. We need to equip them to be ready to meet those challenges.
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Life after work - ready or not

A joint survey by the Commission for Financial Capability (CFFC) and the Financial Markets Authority (FMA) looked at how well older New Zealanders are preparing and investing for when they stop working.
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Financial Behaviour Index

FBI Nov 2014

The Financial Behaviour Index gives us six-monthly snapshots of New Zealanders’ key financial behaviours such as goal setting, budgeting, saving and investing. The first benchmark measure was carried out in November 2011. 

Financial Behaviour Index Data, Waves 1–7 (XLSX 1,711 KB, Feb 2015)

Financial Behaviour Index, Wave Seven – November 2014 (PDF 1.6 MB, Nov 2014)

Financial Behaviour Index, Wave Six – May 2014 (PDF 1.55 MB, Jun 2014)

Financial Behaviour Index, Wave Five – November 2013 (PDF 1.52 MB, Dec 2013)

Financial Behaviour Index, Wave Four – May 2013 (PDF 1.19 MB, Jun 2013)

Financial Behaviour Index, Wave Three – November 2012 (PDF 1.2 MB, Dec 2012)

Financial Behaviour Index, Wave Two – May 2012 (PDF 1.13 MB, Dec 2012)

Financial Behaviour Index, November 2011 (benchmark) (PDF 1.28 MB, Sep 2013)

ANZ/Commission Financial Knowledge and Behaviour Surveys

Every four years the Commission delivers a comprehensive survey examining the financial knowledge of adult New Zealanders.

2013 ANZ/Commission Financial Knowledge and Behaviour Surveys

FKBS2013

In 2013 the Financial Knowledge and Behaviour Survey also included questions about financial behaviour.

The survey found that the overall level of financial knowledge has not changed since 2009. 

2013 Financial Knowledge and Behaviour Survey: Summary report (PDF 3.43 MB, Jun 2013)

2013 Financial Knowledge and Behaviour Survey: Full report (PDF 3.5 MB, Jun 2013)

2009 Financial Knowledge Survey: Summary report (PDF 796 KB, Jun 2009)

2009 Financial Knowledge Survey: Full report (PDF 3.2 MB, Jun 2009)

2006 Financial Knowledge Survey: Summary report (PDF 1.1. MB)

2006 Financial Knowledge Survey: Full report (PDF 659 KB)

Financial Knowledge and Behaviour Survey data

2013 data and data dictionary (File 209.94 KB, Jun 2013) (zip file)

2013 data (File 1.16 MB, Sep 2013) (csv file)

2013 data dictionary (Excel 84.67 KB, Jun 2013) (xls file)

2009 Financial Knowledge Survey raw data (2.01 MB, Feb 2014) (xls file)

2009 Financial Knowledge Survey data dictionary (108 KB, Feb 2014) (xls file)

ANZ/Ngai Tahu Financial Knowledge Surveys

This report presents the results of the financial knowledge survey of 400 Ngāi Tahu iwi members. Colmar Brunton was commissioned to conduct this research for and in partnership with Te Runanga o Ngāi Tahu with the support of the Commission and ANZ.

2010 ANZ Ngāi Tahu Financial Knowledge Survey: Summary report (PDF 3.6 MB, Sep 2013)

2010 ANZ Ngāi Tahu Financial Knowledge Survey: Full report (PDF 4.12 MB, Sep 2013)

More New Zealand research and evaluation

How young New Zealanders learn about personal finance: A longitudinal study, Fin-Ed Centre, Massey University (PDF 5.9 KB, Nov 2012)

This report covers the first stage in a 20-year longitudinal study designed to contribute to better understanding of issues related to the level of financial literacy in New Zealand. The full study is scheduled to be updated at five-yearly intervals, with intervening online surveys of the participants providing a snapshot of progression in their financial knowledge and financial wellbeing.

How young New Zealanders perceive political & financial wellbeing, Fin-Ed Centre, Massey University (PDF 361 KB, Sep 2014) 

This update aims to see how the participants have managed their finances, with lessons learned, in comparison to the baseline 2012 survey. Two years on from the original study, the respondents range in age from 20 to 24 years.