Top-Line 1998–99 MacroMonitor



This volume presents the responses to the 1998–99 MacroMonitor survey, weighted to represent all U.S. household economic units. This volume follows the order of the survey questionnaire fielded in the summer of 1998.



TABLE OF CONTENTS

INTRODUCTION
A. HOUSEHOLD INFORMATION
  Family composition
  Sex, marital status, financial decision-maker
B. FINANCIAL ATTITUDES AND ACCESS
  $25,000 windfall
  Direct marketing
  General financial attitudes
  Alternative access
  Personal computers and financial services
C. USE OF FINANCIAL INSTITUTIONS
  Primary institution
  Attitudes toward institutions
  Banks, savings & loans, and credit unions
  Insurance companies
  Mutual fund companies and full-service and discount stockbrokerages
  Consumer finance, vehicle finance, and other financial services companies
  Share of wallet
D. CHECKING, SAVINGS, AND OTHER ACCOUNTS
  Checking accounts and regular or passbook savings accounts
  ATM and debit cards
  Money market deposit accounts and money market mutual funds
  Packaged/relationship banking accounts and asset/investment management accounts
  Wrap fee accounts
  Private banking
  Recent/likely account activity
E. INVESTMENTS
  Investment goals
  Investment factors/risk-return tradeoff
  Investment attitudes
  Net savings
  Certificates of deposit
  U.S. savings bonds
  Stock or bond mutual funds
  Securities, stocks and bonds
  Stockbrokerage accounts
  Margin agreements/accounts
  Personal trusts
  Limited partnerships
  Tangible assets
  Recent/likely investment activities
F. RETIREMENT PRODUCTS
  Retirement attitudes
  Individual retirement accounts (IRAs)/simplified employee pension plans (SEPs)
  Salary-reduction plans
  Keogh accounts
  Individual annuities
  Pensions
  Recent/likely retirement activity
G. REAL ESTATE
  Primary home, homeowner's/renter's insurance
  Mortgages, home loans/lines of credit on primary home
  Mortgage life/disability insurance on primary home
  Mortgages, home loans/lines of credit, insurance on other real estate
  Recent/likely real estate and credit activity
H. VEHICLES
  Vehicle ownership, loans, leases, and insurance
  Recent/likely vehicle activity
J. CONSUMER LOANS
  Purposes for borrowing
  Attitudes toward credit
  Installment loans, educational loans, other loans, and credit lines
  Recent/likely consumer credit activity
K. CREDIT CARDS
  Credit cards: VISA, MasterCard, Discover, Optima, retail store, affinity, and features
  Travel and entertainment cards
  Recent/likely card activity
L. LIFE INSURANCE
  Attitudes toward insurance
  Group life insurance
  Individual life insurance
  Term life insurance
  Whole life (straight life) insurance
  Universal, variable, or interest-sensitive life insurance
  Policy loans
  Most recent insurance purchase
  Recent/likely life insurance activity
M. OTHER INSURANCE
  Disability insurance, group and individual
  Liability/accident insurance
  Health insurance, group and individual
  Recent/likely health insurance activity
N. INFORMATION AND ADVICE
  Attitudes toward financial information and advice
  Use of financial professionals
  Likely use of financial advice
  Information sources and topics
O. DEMOGRAPHICS
  Major life events
  Organization/association membership
  Age, education, work status, retirement age, occupation
  Business ownership
  Income
  Race, respondent
ATTITUDES*
RECENT/LIKELY ACTIVITY*
GLOSSARY
APPENDIXES
  A - Macromonitor Survey Methodology
  B - Survey Weighting Procedures
  C - Sampling Tolerance Tables
  D - Calculated Variables

* Available via web delivery only, two sections have been added to the Top-Line. "Attitudes" and "Recent/likely activities" present these questions and responses from throughout the survey.