000			01533nam a22001577a 4500
999			_c521715 _d521715
008			230223b ||||| |||| 00| 0 eng d
100			_aGregory, J., Lymer, A. and Rowlingson, K. _937405
245			_aPersonal savings for those on lower incomes: Towards a new framework for assessing the role of the state in relation to savings schemes
260			_aSocial Policy and Society
300			_a21(3), Jul, 2022: p.336-351
520			_aThis article explores the role of the state in helping households to save. Using the UK as an example of challenges faced in other developed countries, it develops a framework for comparing saving schemes along two dimensions: apparent normative motivation for the scheme and likely impact on savers of varying income levels. Using this framework, our analysis suggests that there is much greater state support for high-income savers than low-income savers, even after the recent introduction of the ‘Help to Save’ scheme. So, while this scheme has provided some support for this group, we propose ways to expand it through providing initial seed funding to each account and greater marketing and accessibility. We note, however, that an important way to help those on low incomes to save is to increase their incomes so they have more capacity to do so. – Reproduced
650			_aPersonal savings, Asset based welfare, Citizenship rights, Economic and social development, Help to save. _935882
773			_aSocial Policy and Society
906			_aPERSONAL SAVINGS
942			_cAR