英国政府正借储蓄周宣传推广Help to Save计划，这项针对低收入工作人群的储蓄方案提供政府补贴激励1。根据该计划规则，参与者每存入1英镑可获得政府配对的50便士奖励1。账户持有人每月最高可存款50英镑，四年内累计最多存入2400英镑，相应可获得最高1200英镑的政府补贴，其中奖励分别在第二年和第四年末支付1。
该计划自2018年9月启动以来，已吸引656700个账户开设，累计存款达6.76亿英镑，其中94%的开户者每月都存入最高限额1。目前计划面向领取通用补助的工作人群，英国财政部经济秘书Lucy Rigby表示："Help to Save是一项非常有益的计划，我们希望更多符合条件的人利用它"1。政府计划于2028年将该计划扩展至父母和看护人群体1。
尽管取得一定成绩，债务慈善机构StepChange指出该计划的参与度"仍然远低于预期"，数百万符合条件的人可能因此错失获得储蓄补贴的机会1。英国储蓄周活动将持续至9月27日1。
The British government is encouraging low-income workers to take advantage of the Help to Save scheme during Savings Week, which runs until September 27.1 The initiative offers a substantial financial incentive: for every pound deposited, savers receive 50 pence from the government.1 With a maximum monthly contribution of £50, participants can accumulate up to £2,400 over four years while earning a maximum bonus of £1,200, with rewards paid at the end of years two and four.1
Currently, the scheme targets individuals receiving Universal Credit who are in employment.1 Since its launch in September 2018, the program has attracted 656,700 account holders who have collectively deposited £676 million, with 94 percent of participants contributing the maximum monthly amount.1 The government plans to expand eligibility to parents and caregivers by 2028.1
Despite its generous terms, uptake remains a concern. Lucy Rigby, the Treasury's economic secretary, stated: "Help to Save is an extremely beneficial scheme and we want more eligible people to make use of it."1 However, the debt charity StepChange has warned that participation levels are "still significantly below expectations," suggesting millions of eligible individuals may be missing the opportunity to build savings with government support.1
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