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Custom Graphic Analysis (CGA) Life Stages Example

April 2011

Custom Segment Definitions……………………………………………………...5Demographics……………………………………………………………………..7Accounts…………………………………………………………………………21Balance Sheets…………….……………………………………………………..42Cards……………………………………………………………………………..57Consumer Credit…………………………………………………………………90Direct Marketing……………………………………………………………… 103Health Insurance………………………………………………………………..142Institutions……………………………………………………………………...164Internet Financial Services……………………………………………………..196Investments………………..……………………………………………………220Life Events….…………………………………………..………………………249Life Insurance…………………………………………………………………..262Property and Casualty Insurance……………………………………………….278Planning and Advice…………………………………………………………....294Real Estate and Debt……………………………………………………………330

Table of Contents

Retirement………………………………………………………………………355

Transactions…………………………………………………………………….386

Vehicles and Credit…..………………………………………………………... 392

Attitudes………….……………………………………………………………..406

General Attitudes………….……………………………………………………407

Institution Attitudes ………….………………………………………………...438

Trust in Institutions ………….…………………………………………………454

Investment Attitudes ………….………………………………………………..463

Retirement Attitudes ………….………………………………………………..494

Credit Attitudes ………….……………………………………………………..511

Insurance Attitudes ………….…………………………………………………529

Health-Related Attitudes…………………………………………………….....546

Planning and Advice Attitudes ………….……………………………………..553

Trust in Planners and Advisors ………….……………………………………..569

Miscellaneous ………….………………………………………………………584

Appendices……………………………………………………………………..606

Table of Contents (continued)

All U.S. Households (n=4374)

Single No Child: Primary head under 45; no children; not retired household; single, divorced, separated, or widowed (n=191)

Married No Child: Primary head under 45; no children; not retired household; married or living together but not married (n=244)

Oldest Child 0-17: Household supports at least one dependent child the oldest of which is under 18 (n=962)

Oldest Child 18+: Household supports at least one dependent child 18 years or older (n=497)

Preretired: Primary head is 45 years of age or older; no children; not retired household (n=1416)

Retired: No children; retired household (n=1064)

* Primary head is the head of household making the largest contribution to household income

Custom Segments: Life Stages

Page 4

Table O-8 : Education - Primary head of householdBase: All U.S. HouseholdsQuestionnaire Page O-2, Q.8

0%

10%

20%

30%

40%

50%

High School Degree orLess

Some College orVocational School

College Degree Post Graduate Work orDegree

All U.S. Households Single No Child Married No Child Oldest Child 0-17

Oldest Child 18+ Preretired Retired

Highest Level of Education of Primary Head of Household

Page 5Source: 2010–11 MacroMonitor

Table A-8 : Marital statusBase: All U.S. HouseholdsQuestionnaire Page A-2, Q.8

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Married or Cohabiting Single (Never Married) Separated or Divorced Widowed



Household Marital Status

Source: 2010–11 MacroMonitor Page 6

Tables M-7B_3, M-7A: Likely to buy/recently bought long-term care insuranceBase: All U.S. HouseholdsQuestionnaire Page M-3, Q. 7, Cols A, B, Item 3

0%

1%

2%

3%

4%

5%

6%

Very Likely in Next 12Months

Somewhat Likely inNext 12 Months

Likely (Net) in Next 12Months

Did In Past 2 Years



Likely to Buy or Recently Bought Long-Term Care Insurance


Table B-10aA: Use of Internet bankingBase: Have access to the InternetQuestionnaire Page B-4, Q.10a, Col A

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Now Use Do Not Use But Would Like ToUse

Do Not Use And Would NotUse



Use of Internet Banking


Table E-17A : Ownership of securities - SummaryBase: All U.S. HouseholdsQuestionnaire Pages E-5, Q.10a; E-9, Q.17, Col A; E-4, Q.8a, Col A

0%

5%

10%

15%

20%

25%

30%

35%

40%

Own Securities(Net)

Publicly TradedStock

Stock ProvidedBy An Employer's

Profit SharingPlan

Stock In A CloselyHeld, Non-Traded

Company

Closed-EndFunds



Incidence of Owning Securities


Tables E-17B_MEAN, E-17B_2, E-17B_3: Mean value of all securities, publicly and non-traded stock, and closed-end funds ($000s, excl 0) (*missing value substitution applied)Base: Own specific securityQuestionnaire Page E-9, Q.17, Col B, Net Items 1-14 and Items 1-4

$0

$100

$200

$300

$400

$500

$600

$700

$800

Securities* (Net) Publicly TradedStock*

Stock ProvidedBy An Employer's

Profit SharingPlan

Stock In A CloselyHeld, Non-Traded

Company

Closed-EndFunds*



Mean Value of Securities (in thousands)


Tables L-2, L-5: Incidences of types of life insuranceBase: All U.S. HouseholdsQuestionnaire Pages L-1, Q.2; L-2, Qs.4a, Cols A,B, Q.5; L-3, Qs. 6a, 7a; L-4, Q.8a

0%

10%

20%

30%

40%

50%

60%

70%

80%

Life Insurance(Net)

Group LifeInsurance (Net)

GroupObtained

Through anEmployer

GroupObtained

Through anOrganization

Individual LifeInsurance (Net)

Whole orUniversal Life

Insurance (Net)



Incidence of Owning Life Insurance


Table G-3a : Incidence of homeowner's or renter's insurance on primary residenceBase: All U.S. HouseholdsQuestionnaire Page G-1, Q.3a

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Any (Net) Homeowner's (Net) Renter's (Net) None



Have Homeowner’s or Renters Insurance


Table G-6a : Incidence of loans on primary residence - SummaryBase: Own homeQuestionnaire Page G-2, Q.6a, Cols A,B,C

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Any (Net) First Mortgage Junior Mortgage(Net)

Second Mortgage Home Equity Lineof Credit



Incidence of Having Loans on Primary Home


Table RE5, G-14A, G-14BC, G-14B_MVSA, G-14C_MVSA: Mean debts on primary home ($000s, incl 0) (missing value substitution applied)Base for Total Debt: Own Home; Base for other loans: Have type of loan on primary homeQuestionnaire Page G-4, Q. 14, Cols A, B, C

$0

$20

$40

$60

$80

$100

$120

$140

$160

Total Debt (Net) First Mortgage Junior Mortgages(Net)

Second Mortgage Home Equity Lineof Credit



Mean Debts on Primary Home (in thousands)


Table F-4 : Ownership of retirement products (Summary)Base: All U.S. HouseholdsQuestionnaire Section F

0%

10%

20%

30%

40%

50%

60%

70%

80%

AnyRetirementAccount Or

Pension (Net)

Fully-VestedPension

IRA/SEP Salary-Reduction

Plan

IndividualAnnuity

Keogh



Incidence of Owning Retirement Accounts


Tables F-BAL, F-4h, F-6g, F-ANNBAL, F-5: Mean amounts held in retirement accounts (pension not included) ($000s) (missing value substitution applied)Base: Own Type Of Retirement AccountQuestionnaire Pages F-4, Qs. 4h, 5; F-6, Q.6g; F-7, Qs. 9d, 10d; F-8, Q.11d

$0

$50

$100

$150

$200

$250

$300

RetirementAccounts (Net)

IRA/SEP 401(k), 403(b), or457

Annuity Keogh



Mean Amounts Held in Retirement Accounts (in thousands)


Table N-2 : Household's financial confidenceBase: All U.S. HouseholdsQuestionnaire Page N-1, Q.2

0%

10%

20%

30%

40%

50%

60%

ExtremelyConfident

Very Confident SomewhatConfident

Not VeryConfident

Not At AllConfident



Household’s Financial Confidence


Table B-1a : Uses for unexpected $25,000Base: All U.S. HouseholdsQuestionnaire Page B-1, Q.1a

0%

10%

20%

30%

40%

50%

60%

70%

80%

Spend It OnSomething The

Household Wants

Pay Off SomeHousehold Debts

Put It In SavingsOr Investments

Donate To FamilyOr Charity

Other



How Household Would Use A $25,000 Windfall


Consumer Financial Decisions:

Chris Taylor [email protected] +1 609 378 5041

Larry Cohen [email protected] +1 609 378 5044

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Www.strategicbusinessisights.com Custom Graphic Analysis (CGA) Life Stages Example April 2011