This free course was written by Martin Upton in collaboration with Money Saving Expert. It was first published in May 2020 and last updated May 2022.
This course was created by The Open University with contributions and collaboration from MoneySavingExpert.com. The content unless otherwise stated in the course or in the acknowledgements below (or identifiable as third party content in the course) is owned and/or controlled by The Open University and/or MoneySavingExpert.com and is made available subject to the Creative Commons 4.0 licence: https://creativecommons.org/ licenses/ by-nc-nd/ 4.0/ [Tip: hold Ctrl and click a link to open it in a new tab. (Hide tip)] :
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Grateful acknowledgement is made to the following which is not subject to Creative Commons licensing unless stated as such.
Tables 1 and 2: adapted from: OECD (2020) ‘Household savings (indicator)’. doi: 10.1787/cfc6f499 en’ https://data.oecd.org/ hha/ household-savings.htm
Course image: The Open University
Figure 1: John Springer Collection/CORBIS/Corbis via Getty Images
Figure 2: Monster Ztudio/ https://www.shutterstock.com
Figure 3: drawn by The Open University
Figure 4: from https://www.nsandi.com/ history
Figure 5: Good_Stock/Shutterstock.com
Figure 6: ACORN/Alamy.com
Figure 7: nerthuz/Getty Images
Figure 8: The Open University
Figure 9: source unknown
Figure 10: mentatdgt/ https://www.pexels.com/ license/
Figure 11: The FTSE-100 share index 1984–2022 adapted from https://finance.yahoo.com/
Figure 12: stocknshares/iStockphoto.com
Figure 13: spxChrome/iStockphoto.com
Figure 14: ‘The price of gold: 2002–2022’ adapted from Bullion Vault https://www.bullionvault.co.uk/ gold-price-chart.do
Figure 15: georgeclerk/iStockphoto.com
Figure 16: Slideshow: Investment companies: Slide 1: https://www.allianz.co.uk/; Slide 2: https://www.bnymellon.com; Slide 3: https://www.hl.co.uk/; Slide 4: https://www.fidelity.co.uk/; Slides: 5: https://www.avivainvestors.com/ en-gb/
Figure 17: Anna Shvets/ https://www.pexels.com/ license/
Figure 18: Slideshow: Peer to Peer lending companies:
Slide 1: https://www.zopa.com/;
Slide 2: https://www.lendit.com/ usa/ 2020 ;
Figure 19: kate_sept2004/Getty Images
Video 1: Introduction to Session 5 by Martin Lewis: ©MoneySavingExpert https://www.moneysavingexpert.com/
Video 2: the difference between savings and investments animation: ©MoneySavingExpert https://www.moneysavingexpert.com/
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