It looks like a couple of themes emerge from this survey.
1. The threat to real value from rising inflation
2. Competition in the savings market from Challenger Banks.
Despite low interest rates it remains a fundamental component of sound financial planning to set aside sufficient funds in some form of emergency reserve.
Ideally this reserve should be easily accessible and provide for at least 6 months worth of regular expenditure plus any planned one off expenses over the next 12-18 months e.g. new car costs, home improvements, special holiday etc.
We asked whether they expect rates to head higher or lower next year, whether big banks will stay out of the best buy tables, if easy-access rates will continue to fall, could fixed-rates head higher and what one thing they would like to see happen in the savings industry next year.