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Decision 1: Would you prefer Option A or Option B: Option A: There is a 1 in 10 chance that you will earn $2.00 and a 9 in 10 chance that you will earn $1.60 Option B: There is a 1 in 10 chance that you will earn $3.85 and a 9 in 10 chance that you will earn $0.10;79.59% of people chose Option A and 11.20% chose Option... |
Decision 2: Would you prefer Option A or Option B: Option A: There is a 2 in 10 chance that you will earn $2.00 and a 8 in 10 chance that you will earn $1.60 Option B: There is a 2 in 10 chance that you will earn $3.85 and a 8 in 10 chance that you will earn $0.10;80.81% of people chose Option A and 10.97% chose Option... |
Decision 3: Would you prefer Option A or Option B: Option A: There is a 3 in 10 chance that you will earn $2.00 and a 7 in 10 chance that you will earn $1.60 Option B: There is a 3 in 10 chance that you will earn $3.85 and a 7 in 10 chance that you will earn $0.10;78.28% of people chose Option A and 13.12% chose Option... |
Decision 4: Would you prefer Option A or Option B: Option A: There is a 4 in 10 chance that you will earn $2.00 and a 6 in 10 chance that you will earn $1.60 Option B: There is a 4 in 10 chance that you will earn $3.85 and a 6 in 10 chance that you will earn $0.10;71.30% of people chose Option A and 19.88% chose Option... |
Decision 5: Would you prefer Option A or Option B: BR / Option A: There is a 5 in 10 chance that you will earn $2.00 and a 5 in 10 chance that you will earn $1.60BR / Option B: There is a 5 in 10 chance that you will earn $3.85 and a 5 in 10 chance that you will earn $0.10;54.72% of people chose Option A and 36.68% cho... |
Decision 6: Would you prefer Option A or Option B: Option A: There is a 6 in 10 chance that you will earn $2.00 and a 4 in 10 chance that you will earn $1.60 Option B: There is a 6 in 10 chance that you will earn $3.85 and a 4 in 10 chance that you will earn $0.10;42.52% of people chose Option A and 49.35% chose Option... |
Decision 7: Would you prefer Option A or Option B: Option A: There is a 7 in 10 chance that you will earn $2.00 and a 3 in 10 chance that you will earn $1.60 Option B: There is a 7 in 10 chance that you will earn $3.85 and a 3 in 10 chance that you will earn $0.10;27.55% of people chose Option A and 64.39% chose Option... |
Decision 8: Would you prefer Option A or Option B: Option A: There is a 8 in 10 chance that you will earn $2.00 and a 2 in 10 chance that you will earn $1.60 Option B: There is a 8 in 10 chance that you will earn $3.85 and a 2 in 10 chance that you will earn $0.10;18.88% of people chose Option A and 73.98% chose Option... |
Decision 9: Would you prefer Option A or Option B: Option A: There is a 9 in 10 chance that you will earn $2.00 and a 1 in 10 chance that you will earn $1.60 Option B: There is a 9 in 10 chance that you will earn $3.85 and a 1 in 10 chance that you will earn $0.10;11.82% of people chose Option A and 80.28% chose Option... |
Decision 10: Would you prefer Option A or Option B: Option A: There is a 10 in 10 chance that you will earn $2.00 and a 0 in 10 chance that you will earn $1.60 Option B: There is a 10 in 10 chance that you will earn $3.85 and a 0 in 10 chance that you will earn $0.10;5.60% of people chose Option A and 87.34% chose Opti... |
Please choose between the following two options. Option A: A 50-50 lottery of winning $8 or losing $5. Option B: 100% chance of zero dollars Enumerated: 1 Option A 2 Option B;60.00% of people chose Option A and 40.00% chose Option B. |
Please choose between the following two options. Option A: Play the lottery in Option A six times. 50-50 chance of winning $8 or losing $5. Option B: 100% chance of zero dollars. Enumerated: 1 Option A 2 Option B;57.14% of people chose Option A and 42.86% chose Option B. |
Choose between: A. Winning $100 B. A 50% chance of losing $300 and a 50% chance of winning $700. Enumerated: 1 A 2 B;70.03% of people chose Option A and 29.26% chose Option B. |
Now imagine you have a choice between the following two options. Option A: A lottery with a 50% chance of winning $80 and a 50% chance of losing $50. Option B: Zero dollars. Which option would you choose;51.07% of people chose Option A and 48.52% chose Option B. |
Now imagine you have a choice between the following two options. Option A: Play the lottery from the previous question (50% chance of winning $80 and 50% chance of losing $50) six times Option B: Zero dollars. Which option would you choose Enumerated: 1 Option A 2 Option B;50.76% of people chose Option A and 48.83% cho... |
Choose between: A: Winning $850 B: A 50% chance of winning $100 and a 50% chance of winning $1600;73.63% of people chose Option A and 25.97% chose Option B. |
Choose between: C. Losing $650 D. A 50% chance of losing $1550 and a 50% chance of winning $100 Enumerated: 1 C 2 D;66.40% of people chose Option C and 32.99% chose Option D. |
Now suppose you are offered a different set of options for your retirement savings plan. uOption 1/u An investment portfolio that guarantees that you will have a plan balance that will provide half the annual income you have now for every year in retirement. uOption 2/u An investment portfolio that has a 50 percent cha... |
Now suppose you are offered yet another different set of options for your retirement savings plan uOption 1/u An investment portfolio that quarantees that you will have a plan balance that will provide half the annual income you have now for every year in retirement. uOption 2/u An investment portfolio that has a 50 pe... |
Now suppose you are offered a different set of options: uOption 1/u An investment portfolio that guarantees that you will have a plan balance that will provide half the annual income you have now for every year in retirement. uOption 2/u An investment portfolio that has a 50 percent chance of a high plan balance that w... |
Now suppose you are offered yet another different set of options: Option 1/u An investment portfolio that guarantees that you will have a plan balance that will provide half the annual income you have now for every year in retirement. Option 2/u An investment portfolio that has a 50 percent chance of a high plan balanc... |
I think it is more important to have safe investments and guaranteed returns than to take a risk to have a chance to get the highest possible returns. 1=completely agree 2= Strong agreement 3= agree 4= neutral 5= disagree 6= strong disagreement 7= completely disagree;For the statement on safe investments 2.56% complete... |
"I would never consider investing in the stock market because I find it too risky. 1= completely agree and 2= Strong agreement and 3= agree and 4= neutral and 5= disagree and 6= strong disagreement and 7= completely disagree";"""26.13% of respondents completely disagree 17.16% rated it a 6 and 14.32% a 5 and 18.46% a 4... |
"If I think an investment will be profitable I am prepared to borrow money to make this investment. 1= completely agree and 2= Strong agreement and 3= agree and 4= neutral and 5= disagree and 6= strong disagreement and 7= completely disagree";"""39.72% of respondents completely disagree and 20.93% rated it a 6 and 11.1... |
I want to be certain that my investments are safe. 1= completely agree and 2= Strong agreement and 3= agree and 4= neutral and 5= disagree and 6= strong disagreement and 7= completely disagree;1.87% of respondents completely disagree with the statement regarding safe investments 2.68% rated it a 6 and 7.30% a 5 and 14.... |
I think I should take greater financial risks to improve my financial position. 1= completely agree and 2= Strong agreement and 3= agree and 4= neutral and 5= disagree and 6= strong disagreement and 7= completely disagree;19.43% of respondents completely disagree and 20.81% rated it a 6 and 16.88% a 5 and 20.73% a 4 an... |
Imagine you were asked to choose between Enumerated: 1 A. Winning $1500 2 B. Winning $1000 if a coin comes up heads and winning $2100 if a coin comes up tails;59.39% of people chose the option of winning $1500 and 40.33% chose the option of winning $1000 if a coin comes up heads and winning $2100 if a coin comes up tai... |
Imagine you were asked to choose between Enumerated: 1 C. Losing $500 2 D. Losing $1000 if a coin comes up heads and not winning or losing money if a coin comes up tails;70.84% of people chose the option of losing $500 and 28.60% chose the option of losing $1000 if a coin comes up heads and not winning or losing any mo... |
Now we would like to ask about some financial decisions in a couple of different situations. First suppose you are sure that your overall income and spending next year will be exactly the same as this year and that there will be no inflation. When you go to make a necessary purchase you have the choice between paying t... |
Now we would like to ask about some financial decisions in a couple of different situations. First suppose you are sure that your overall income and spending next year will be exactly the same as this year and that there will be no inflation. When you go to make a necessary purchase you have the choice between paying t... |
Now we would like to ask about some financial decisions in a couple of different situations. First suppose you are sure that your overall income and spending next year will be exactly the same as this year and that there will be no inflation. When you go to make a necessary purchase you have the choice between paying t... |
In the second situation suppose an established business has hired you with a start date a little less than a year from now. This employer values your skills st highly that as soon as you start the new job your family income will double and you plan to double your family spending as well. You cannot increase your total ... |
In the second situation suppose an established business has hired you with a start date a little less than a year from now. This employer values your skills so highly that as soon as you start the new job your family income will double and you plan to double your family spending as well. You cannot increase your total ... |
In the second situation suppose an established business has hired you with a start date a little less than a year from now. This employer values your skills so highly that as soon as you start the new job your family income will double and you plan to double your family spending as well. You cannot increase your total ... |
Imagine you just won a lottery prize and have to choose now between one payment. Which would you choose? Enumerated: 1 $1000 today 2 $1250 a year from today;64.76% of people chose the option of receiving $1000 today and 34.87% chose the option of receiving $1250 a year from today. |
Imagine you just won a lottery prize and have to choose now between one of two options for receiving your payment. Which would you choose? Enumerated: 1 $1000 today 2 $1650 a year from today;50.10% of people chose the option of receiving $1000 today and 49.80% chose the option of receiving $1650 a year from today. |
Imagine you just won a lottery prize and have to choose now between one of two options for receiving your payment. What if instead the choice were between these two options which would you choose? Enumerated: 1 $1000 today 2 $1100 a year from today;50.24% of people chose the option of receiving $1000 today and 49.57% c... |
Imagine you just won a lottery prize and have to choose now between one of two options for receiving your payment. Which would you choose? Enumerated: 1 $1000 a year from today 2 $1250 two years from today;76.73% of people chose the option of receiving $1000 a year from today and 22.87% chose the option of receiving $1... |
Imagine you just won a lottery prize and have to choose now between one of two options for receiving your payment. What if instead the choice were between these two options which would you choose? Enumerated: 1 $1000 a year from today 2 $1650 two years from today;56.99% of people chose the option of receiving $1000 a y... |
Imagine you just won a lottery prize and have to choose now between one of two options for receiving your payment. What if instead the choice were between these two options which would you choose? Enumerated: 1 $1000 a year from today 2 $1100 two years from today;65.36% of people chose the option of receiving $1000 a y... |
Suppose that from now on you never kept track of your household's spending and never set budget targets. Do you think your household spending would be higher lower or the same as now? Enumerated: 1 Higher 2 Lower 3 Same;53.80% of responses indicated 'Higher'and 3.93% indicated 'Lower' and 40.99% indicated 'Same' in th... |
Now we would like to ask about some financial decisions in a couple of different situations. First suppose you are sure that your overall income and spending next year will be exactly the same as this year and that there will be no inflation. When you go to make a necessary purchase you have the choice between paying t... |
Would you prefer to pay $200 now or $220 a year from now? Enumerated: 1 $200 now 2 $220 one year from now;8.94% of people chose to receive $200 now and 6.95% chose to receive $220 one year from now. |
In the second situation suppose an established business has hired you with start date a little less than a year from now. This employer values your skills so highly that as soon as you start the new job your family income will double and you plan to double your family spending as well. You cannot increase your total sp... |
In the second situation suppose an established business has hired you with start date a little less than a year from now. This employer values your skills so highly that as soon as you start the new job your family income will double and you plan to double your family spending as well. You cannot increase your total sp... |
In the second situation suppose an established business has hired you with start date a little less than a year from now. This employer values your skills so highly that as soon as you start the new job your family income will double and you plan to double your family spending as well. You cannot increase your total sp... |
Have you set aside emergency or rainy day funds that would cover your expenses for 3 months in case of sickness job loss economic downturn or other emergencies? Enumerated: 1 Yes 2 No 98 Don't know 99 Prefer not to say;41.65% of respondents have emergency funds 55.11% do not have emergency funds 2.04% do not know and 1... |
Have you ever tried to figure out how much you need to save for retirement? Enumerated: 1 Yes 2 No 98 Don't know 99 Prefer not to say;42.07% of respondents acknowledge the need to save for retirement 54.43% do not feel the need to save for retirement 2.68% do not know and 0.81% prefer not to say. |
Now we have another kind of question. Suppose that you are the only income earner in the family. Your doctor recommends that you move because of allergies and you have to choose between two possible jobs. The first would guarantee your current total family income for life. The second is possibly better paying but the i... |
Suppose the first job would still guarantee your current total family income for life. Now there is a 50% chance that the second job would double your current total family income for life and 50% that it would cut it by twenty percent. Which job would you take the first job or the second job? Enumerated: 1 The first jo... |
Suppose next year you were to find your household with 20% more income than normal what would you do with the extra income? Enumerated: 1 Save all of it 2 Spend some and save some 3 Spend all of it;8.85% of respondents would save all of an income that is 20% more than normal 78.83% would spend some and save some 10.40%... |
Suppose next year you were to find your household with 20% more income than normal. What fraction of the extra income would you save or invest? Enumerated: 1 Less than 50 percent 2 About 50 percent 3 More than 50 percent;19.54% of respondents save or invest less than 50% of their income and 39.90% save or invest about ... |
The first job would guarantee your current total family income for life. Suppose there is a 50-50 chance the second job would double your total lifetime income and a 50-50 chance that it would cut it by a third. Which job would you take? Enumerated: 1 First job: Guarantee your family income for life 2 Second job: 50-50... |
The first job would guarantee your current total family income for life. Now suppose there is 50-50 chance that the second job would double your lifetime income and 50-50 that it would cut it in half. Would you take the first job or the second job Enumerated: 1 First job: Guarantee your family income for life 2 Second ... |
The first job would guarantee your current total family income for life. Now suppose the chances were 50-50 that the second job would double your lifetime income and 50-50 that it would cut it by seventy-five percent. Would you take the first job or the second job? Enumerated: 1 First job: Guarantee your family income ... |
The first job would guarantee your current total family income for life. Now suppose the chances were 50-50 that the second job would double your lifetime income and 50-50 that it would cut it by twenty percent. Would you take the first job or the second job? Enumerated: 1 First job: Guarantee your family income for li... |
Suppose that from now on you never kept track of your household's spending and never set budget targets. Do you think your household spending would be higher lower or the same as now? Enumerated: 1 Higher 2 Lower 3 Same;"53.80% of respondents indicated that their income is ""Higher"" when they don't keep track. 3.93% o... |
Imagine you have a job with a defined contribution retirement plan (for example a 401(k) plan). Imagine you have decided to set up a retirement account and make contributions to it out of your gross wage. You now must decide how your money is allocated between stocks and bonds. Your retirement benefit depends on the re... |
Imagine you have a job with a defined contribution retirement plan (for example a 401(k) plan). You must decide what percentage of your gross wage you want to put into your retirement account that is what your preferred contribution rate is. The standard contribution rate that you pay is 7% of your gross wage. However ... |
Imagine you have a job with a defined contribution retirement plan (for example a 401(k) plan). You must decide what percentage of your gross wage you want to put into your retirement account that is what your preferred contribution rate is. The standard contribution rate that you pay is 7% of your gross wage. However ... |
Imagine you have a job with a defined contribution retirement plan (for example a 401(k) plan). You must decide what percentage of your gross wage you want to put into your retirement account that is what your preferred contribution rate is. The standard contribution rate that you pay is 7% of your gross wage. However ... |
Would you prefer to receive $100 today or $105 one year from now? Enumerated: 1 $100 today 2 $105 one year from now;"84.92% of respondents prefer to receive ""$100 today."" 9.10% of respondents prefer to receive ""$105 one year from now."" There are 5.98% of responses missing in this category." |
Would you prefer to receive $100 10 years from now or $105 11 years from now? Enumerated: 1 $100 10 years from now 2 $105 11 years from now;"87.18% of respondents prefer to receive ""$100 10 years from now."" 9.45% of respondents prefer to receive ""$105 11 years from now."" There are 3.38% of responses missing in this... |
How much have you thought about retirement? Enumerated: 1 A lot 2 Some 3 A little 4 Hardly at all;" 39.22% of respondents thought about retirement ""A lot."" 45.04% of respondents thought about retirement ""Some."" 9.69% of respondents thought about retirement ""A little."" 6.04% of respondents thought about retirement... |
Before you told us that you've tried to determine your financial needs during retirement. How much did you decide that you will need? Please indicate either as a total amount of wealth or an amount needed per month or year. Please provide only one answer. Enumerated: 1 As a total amount of wealth needed upon retiremen... |
Suppose you had $100 in a savings account and the interest rate was 2% per year. After 5 years how much do you think you would have in the account if you left the money to grow: more than $102 or exactly $102 or less than $102? Enumerated: 1 More than $102 2 Exactly $102 3 Less than $102 4 I don't know;91.55% of respon... |
Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. After 1 year would you be able to buy more than exactly the same as or less than today with the money in this account? Enumerated: 1 More than today 2 Exactly the same as today 3 Less than today 4 I don't know;88.81% o... |
Suppose that in the year 2010 your income has doubled and prices of all goods have doubled too. In 2010 will you be able to buy more the same or less than today with your income? Enumerated: 1 Buy more than today 2 Buy the same as today 3 Buy less than today 4 I don't know;78.82% of respondents believe that the amount ... |
Consider the following scenario: Jack and Jill are twins. At the age of 20 Jack started contributing $20 a month to a savings account. After 20 years at the age of 40 he stopped adding to his savings but he left the money in the account. Jill didn't start to save until she was 40. Then she saved $20 a month until she r... |
Pam is deciding between 2 options: uOption A:/u - Invest $1000 in a certificate of deposit that earns 5% interest. - Pam would not add or remove any money from this investment for the next 30 years. uOption B:/u - Invest $1000 in a savings account that earns 5% interest.- Move the interest earned on this account every ... |
Suppose that by the year 2020 your income has doubled and prices of all goods have doubled too. In 2020 how much will you be able to buy with your 2020 income? Enumerated: 1 More than today 2 The same amount as today 3 Less than today 4 Don't know;3.75% of respondents believe that inflation will be more than today. 79... |
Rita must choose between two job offers. She wants to select the job with a salary that will afford her the higher standard of living for the next few years. Job A offers a 3% raise every year while Job B will not provide a raise for the next few years. If Rita chooses Job A she will live in City A. If Rita chooses Job... |
Suppose that by the year 2020 your income has doubled and prices of all goods have doubled too. In 2020 how much will you be able to buy with your 2020 income? Enumerated: 1 More than today 2 The same amount as today 3 Less than today 4 Don't know;3.00% of respondents believe that inflation will be more than today. 74.... |
Rita must choose between two job offers. She wants to select the job with a salary that will afford her the higher standard of living for the next few years. Job A offers a 3% raise every year while Job B will not provide a raise for the next few years. If Rita chooses Job A she will live in City A. If Rita chooses Job... |
Suppose you had $100 in a savings account and the interest rate was 2% per year. After 5 years how much do you think you would have in the account if you left the money to grow? Enumerated: 1 More than $102 2 Exactly $102 3 Less than $102 4 Don't know;87.91% of respondents have an interest rate literacy level that is m... |
Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. After 1 year would you be able to buy more than exactly the same as or less than today with the money in this account? Enumerated: 1 More than today 2 Exactly the same as today 3 Less than today 4 Don't know;"4.79% of... |
We have some questions about the price of publicly traded stocks. The S&P 500 is an index of 500 common stocks actively traded in the United States. It provides one measure of the general level of stock prices. The S&P 500 index currently stands at around 1300. Do you believe this level is: Enumerated: 1 just right (in... |
We now have some questions about housing prices. The median price of a single family home in the Los Angeles cosmopolitan area is currently around 350000 dollars (Half of all single family homes in the area cost less than the median and the other half cost more than the median.). Do you believe that current housing pri... |
We now have some questions about the price of gold bullion traded internationally. One (Troy) ounce of gold currently trades at around 1480 US dollars. Do you believe this level is: Enumerated: 1 just right (in the sense that the price is in line with what you personally regard to be fair) 2 too high 3 too low as compa... |
Suppose you put $1000 in an account that earns 5% interest per year every year. You never invest additional money and you never withdraw money or interest payments. So in the first year you earn $50 in interest. In Year 4 how much will this account earn? Enumerated: 1 Less than $50 2 $50 3 More than $50 4 Don't know;1.... |
Suppose you invest $2500 and earn 7% per year on this investment. How many years will it take for your total investment to be worth $5000? Enumerated: 1 Between 0 and 5 years 2 Between 5 and 15 years 3 Between 15 and 45 years 4 More than 45 years 5 Don't know;"4.76% of respondents have knowledge of the ""7 and 10 rule"... |
Consider the following scenario: Jack and Jill are twins. At the age of 20 Jack started contributing $20 a month to a savings account. After 20 years at the age of 40 he stopped adding to his savings but he left the money in the account. Jill didnt Enumerated: 1 Jack 2 Jill 3 They had the same amount 4 Don't know;70.09... |
Pam is deciding between 2 options: uOption A:/u - Invest $1000 in a certificate of deposit that earns 5% interest. - Pam would not add or remove any money from this investment for the next 30 years. uOption B:/u - Invest $1000 in a savings account that earns 5% interest.- Move the interest earned on this account every ... |
Suppose that by the year 2020 your income has doubled and prices of all goods have doubled too. In 2020 how much will you be able to buy with your 2020 income? Enumerated: 1 More than today 2 The same amount as today 3 Less than today 4 Don't know;3.89% of respondents believe that inflation will be more than today. 78... |
Rita must choose between two job offers. She wants to select the job with a salary that will afford her the higher standard of living for the next few years. Job A offers a 3% raise every year while Job B will not provide a raise for the next few years. If Rita chooses Job A she will live in City A. If Rita chooses Job... |
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