Products and Services Analysis Volume 2000–01 MacroMonitor
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The Consumer Financial Decisions (CFD) group's Product and Services Analysis Volume for the 2000–01 MacroMonitor program covers the full range of retail and institutional household financial products and services. The five major sections correspond to the five basic financial needs: transactions, savings and investments, credit, protection, and information and advice. Each section presents information about products and services that serve one of those basic financial needs. The product subsections provide key product statistics, executive summaries, and analysis of survey results using CFD's proprietary Age Cohort, Socioeconomic Level, and Life Stage segmentation schemes (see Appendix F for segment definitions). We have included data from the 1996-97 and 1998–99 MacroMonitor, where comparable. "n.a." indicates the item was not asked.
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| TABLE OF CONTENTS |
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| Introduction | i | ||
Transaction Products |
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| Checking Accounts | 1 | ||
| Non-Interest-Bearing Checking Accounts | 7 | ||
| Interest-Bearing Checking Accounts | 11 | ||
| Other Accounts | |||
| Packaged/Relationship Banking Accounts | 15 | ||
| Asset-Management/Investment-Management Accounts | 21 | ||
| Stockbrokerage Accounts | 25 | ||
| Credit Cards and Payment Services | 35 | ||
| Visa or MasterCard | 45 | ||
| Regular Visa or MasterCard | 49 | ||
| Premium Visa or MasterCard | 53 | ||
| Discover Card | 59 | ||
| American Express Blue and Optima Credit Card | 63 | ||
| Retail Cards | 71 | ||
| Travel and Entertainment Cards | 75 | ||
| American Express Cards | 79 | ||
| ATM Cards | 83 | ||
| Debit Cards | 87 | ||
| Direct Marketing | 91 | ||
| Credit Cards | 95 | ||
| Insurance Products | 99 | ||
| Asset-Accumulation Products | 105 | ||
| Other Credit Products | 109 | ||
| Automatic Deposits, Payments, and Other High-Tech Access | 111 | ||
| Personal Computers | 121 | ||
| Home Banking | 127 | ||
| Home Investing | 133 | ||
| Internet Transactions and Account Activities | 139 | ||
Savings and Investments |
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| Savings Products | 143 | ||
| Savings Accounts | 149 | ||
| Certificates of Deposit | 157 | ||
| Money Market Deposit Accounts | 163 | ||
| Money Market Mutual Funds | 169 | ||
| U.S. Savings Bonds | 175 | ||
| Investment Products | 181 | ||
| Stock/Bond Mutual Funds | 195 | ||
| Individual Stocks, Bonds, and Other Securities | 213 | ||
| Wrap Accounts | 223 | ||
| Margin Accounts | 225 | ||
| Retirement Products | 227 | ||
| Individual Retirement Accounts and Simplified Employee Pensions | 235 | ||
| Salary-Reduction Plans | 245 | ||
| Keogh Accounts | 255 | ||
| Individual Annuities | 257 | ||
| Pensions | 263 | ||
| Illiquid Assets | |||
| Tangible Assets | 267 | ||
| Businesses | 273 | ||
| Primary Residence | 279 | ||
| Other Real Estate | 287 | ||
| Limited Partnerships | 293 | ||
| Motor Vehicles | 297 | ||
| Personal Trusts | 303 | ||
| Custodial Accounts | 309 | ||
| Private Banking | 317 | ||
Credit |
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| Real Estate Loans | 321 | ||
| First-Mortgage Loans | 329 | ||
| Second-Mortgage and Home Equity Loans | 335 | ||
| Home Equity Credit Lines | 343 | ||
| Other Real Estate Loans | 351 | ||
| Consumer Credit | 355 | ||
| Vehicle Loans | 367 | ||
| Vehicle Leasing | 375 | ||
| Installment Loans | 379 | ||
| Other Secured Loans | 387 | ||
| Education Loans | 391 | ||
| Secured Credit LInes | 399 | ||
| Unsecured Personal Loans | 405 | ||
| All Other Credit LInes | 409 | ||
| Revolved Credit Cards | 415 | ||
Insurance Products |
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| Property/Casualty Insurance | 425 | ||
| Vehicle Insurance | 427 | ||
| Homeowner's/Renter's Insurance | 433 | ||
| Mortgage Insurance | 439 | ||
| Credit Insurance | 443 | ||
| Life Insurance | 447 | ||
| Group Life Insurance | 457 | ||
| Individual Life Insurance | 465 | ||
| Term Life Insurance | 477 | ||
| Whole (Straight) Life Insurance | 485 | ||
| Universal, Variable, or Interest-Sensitive Life Insurance | 491 | ||
| Policy Loans | 495 | ||
| Health and Disability Insurance | |||
| Health or Health-Related Insurance | 499 | ||
| Group Health or Health-Related Insurance | 509 | ||
| Individual Health or Health-Related Insurance | 517 | ||
| Disability Insurance | 525 | ||
| Group Disability Insurance | 533 | ||
| Individual Disability Insurance | 541 | ||
| Other Insurance | |||
| Travel and Accident Insurance | 545 | ||
| Professional and Regular Liability Insurance | 549 | ||
| Accidental Death and Dismemberment Insurance | 557 | ||
Information and Advice |
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| Information and Advice | 565 | ||
| Financial Advisors | 573 | ||
| Types of Information and Advice | 577 | ||
| Information Sources | 585 | ||
Balance Sheets |
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| Assets | 589 | ||
| Liabilities | 601 | ||
| Net Worth | 607 | ||
| Insurance Products | 611 | ||
| Transaction Products | 617 | ||
Appendixes |
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| A MacroMonitor Survey Methodology | A-1 | ||
| B Survey Weighting Procedures | B-1 | ||
| C Sampling Tolerance Tables | C-1 | ||
| D Calculated Variables | D-1 | ||
| E Alphabetical Index—Table Locator | E-1 | ||
| F Household Segment Definitions | F-1 | ||