- Strengthen financial wellness of your workforce - consider an approach, such as The Fidelity Global Financial Wellness Framework, and guidelines, such as The Fidelity Retirement Savings Guidelines, to promote locally and culturally relevant aspects of financial literacy education for your workforce.
- Bolster retirement readiness - highlight the benefits of a retirement workplace savings plan, including employer contributions, potential tax-based advantages, and other factors that may be locally relevant.
- Consider employee stock plans as a part of your talent strategy - educate employees about how their stock compensation may contribute to financial outcomes and consider adding/extending stock programs to reach more employees.
- Highlight the importance of emergency savings - consider an emergency savings benefit to address short-term financial needs for your employees.
Financial Habits
Assessing financial and investing confidence, as well as current financial habits related to spending, saving and debt.
Featured findings
Meeting short term financial needs is a priority over long-term saving
With ongoing financial uncertainty, global workers continue to focus on short-term financial needs over long-term goals and are spending less on discretionary and more on essential expenses.

Savings decrease whilst borrowing increases
31% of individuals surveyed globally have saved less in the past 6 months. In 2021, only 21% said the same, marking a 10% increase in global workers reducing their savings. Meanwhile, rates of borrowing are on the increase.

Overspending is an issue for many
Our results found than one in three workers are spending more than they can afford.

Find out more
Download our financial habits insights PDF below to find out more.

Source: The Fidelity Global Sentiment Survey 2022.
Actions for Employers to consider
More financial habits insights
Interested in exploring more? Download our infographics below for a deeper dive into the survey's financial habits findings.
2022 financial habits insights
Want to find out more about the 2022 financial habits findings? Read this year’s full insights by downloading our PDF below.
Download the 2022 findings PDF
More key findings
Retirement
Determining current retirement timelines and changes to planned retirement ages and understanding employees’ approach to financial planning.
Work
Understanding employees’ needs from their employer regarding benefits and financial wellness and understanding take up of, and changes to, equity plans.
Well-Being
Understanding the emotional intensity experienced by people in the previous months and evaluating people’s well-being across finances, health, work and life.

Read more Global Thought Leadership Work
Enjoyed these findings and want to read more? Take a look at last year’s findings or read about our 2022 Global Employer Survey.
Global Employer Survey 2021 financial habits findings