 Facts and figures about UK taxes, benefits and public spending.
Income distribution, poverty and inequality.
Analysing government fiscal forecasts and tax and spending.
Analysis of the fiscal choices an independent Scotland would face.
Case studies that give a flavour of the areas where IFS research has an impact on society.
Reforming the tax system for the 21st century.
A peer-reviewed quarterly journal publishing articles by academics and practitioners.
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Research into saving and wealth looks at the evidence we can find in data about UK households as to how much wealth people hold and what kinds of assets they have. We ask what official data tell us about savings and debt amongst different groups and look at trends in asset ownership across time.
We also examine how savings and wealth are taxed in the UK. What is the impact of taxes on savings behaviour? What are the prospects for the Individual Savings Account? What justifications are there for asset-based welfare? What are the rationales behind the government's planned Child Trust Fund and Saving Gateway? Search
James Banks, Richard Blundell and Sarah Tanner
This paper addresses whether households save enough for their retirement.
Richard Disney, Paul Johnson and Gary Stears
This paper examines the asset positions of households at and around retirement in Britain using the Retirement Survey 'waves' of 1988-89 and 1994.
Orazio Attanasio, James Banks and Sarah Tanner
Recent studies have explored the possibility that limited participation in asset markets,
In this paper we argue that only when one uses data and arguments relating to the life-time experiences of individuals or households within an economy can one understand recent trends and patterns in saving rates.
James Banks, Andrew W Dilnot and Sarah Tanner
As the Government considers what form the ISA should take, this Commentary documents the current state of savings and, in particular, the current tax treatment of savings. In the light of the experience of TESSAs and PEPS, we also consider several key features that the new Individual Savings Account might have.
David Miles
It is well known that over the next few decades there will be significant changes in the demographic structures of nearly all developed countries; in the absence of massive immigration, or of catastrophic new fatal illnesses, by the middle of the next century the ratio of people of working age to those of retirement age will, in many countries, be only around one half the current level.
This paper illustrates recent trends in household consumption and personal savings in the UK and the US and discusses some theoretical models that can be used to interpret them.
Richard Blundell, Magnac, T and Costas Meghir
The issue of ageing and saving has two distinct facets. On the one hand, there is the individual issue.
Richard Blundell, Thierry Magnac and Costas Meghir
A model is developed that allows for a layoff rate and a job arrival rate in the intertemporal choice of consumption and labor market state.
Browse publications & research
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 Started: 01 May 2004
Started: 01 May 2004
Started: 01 January 2004
Started: 01 January 2004
Started: 01 November 2003
 An IFS research fellow is leading an independent review into how to make automatic enrolment into workplace pensions operate best.
IFS researchers found that the Saving Gateway was not the best way to support lower income families; government acted on this advice.
Methods developed at IFS for measuring wealth were instrumental in establishing a detailed government dataset about assets and debt in Britain.
IFS researchers present and discuss new research on retirement saving with a group of business leaders and policy makers.
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