Raddon Chart of the Day November 6, 2012

Raddon Chart of the Day
November 6, 2012
Purpose of Retirement Investment Portfolio

Safety of Capital/Funds Is First Priority 22%

Balance Between Growth and Safety with Some
Protection from Inflation
16%

Sole Objective Is Maximum Growth over the Long
Term
10%

Primary Interested in Growth and Less Concerned
about Fluctuating Concerns
7%

Although Want Portfolio to Grow, Uncomfortable
with Fluctuating Returns
5%

0% 5% 10% 15% 20% 25%

Source: Raddon Financial Group, National Consumer Research – Spring 2012
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

November 1, 2012
Likelihood to Take on Greater Risk in the
Non-Retirement Investment Portfolio
35%
31% 31%
30%

25%

20% 19%

15%
11%
10%

5% 2%
0%
Extremely Very Likely Somewhat Not Very Likely Not at All Likely
Likely Likely
Base: Households with Non-Retirement Investment Products

October 30, 2012
Purpose of Non-Retirement Investment Portfolio

Safety of Capital/Funds Is First Priority 17%

Balance Between Growth and Safety with
12%
Some Protection from Inflation

Primary Interested in Growth and Less
6%
Concerned about Fluctuating Concerns

Sole Objective Is Maximum Growth over the
6%
Long Term

Although Want Portfolio to
4%
Grow, Uncomfortable with Fluctuating…

0% 2% 4% 6% 8% 10% 12% 14% 16% 18%


October 25, 2012
Consumer Financial Needs or Goals

Have Additional Retirement Income 68%
Reduce the Amount Owed on Credit Cards/Loans 41%
Regain Money That Was Lost in the Market Decline 40%
Reduce Taxes on Savings and Investment Income 39%
Improve Credit Rating 36%
Purchase a Home 22%
Pay College Tuition 22%
Build Enough Money to Invest in Business 13%
2nd Home Purchase (Retirement/Vacation) 11%

0% 10% 20% 30% 40% 50% 60% 70% 80%

October 23, 2012
Attitude About Interest Rates on Insured Deposits

Percent of All Households

42% Important to Shop Around

58% Not Worth Time to Compare Rates


October 18, 2012
Influence of a Rewards Program on a Customer Referral

34% Rewards Program Existence
Influenced Recommendation

Rewards Program Existence Did Not
66% Influence Recommendation

Base: Households That Made a PFI Recommendation
and Received a Reward for the Referral


October 16, 2012
Most Households Were Not Rewarded For
Recommending Their PFI to Family/Friends
100%
90% 88%

80%
70%
60%
50%
Base: Households That Made a PFI Recommendation
40%
30%
20%
10% 7% 4% 1%
0%
Yes, Both Parties Yes, I Received Yes, They Received No, Neither
Rewarded Reward Reward Rewarded

October 11, 2012
Primary Customers That Have Recommended
Their PFI to Family Members and/or Friends
80%
70%
70%

60%
50%
50% 48%

40% 37%

30%

20%

10%

0%
All Households Big Bank Primary Other Bank Primary Credit Union Primary
Customers Customers Members

October 9, 2012
Things That Consumers Have Put Off Given the
Economy or Their Personal Financial Situation
Take a Vacation 28%
Do Some Home Improvements 27%
Buy a New Car 19%
Buy Major Household Appliance 14%
Purchase a New Home 11%
Buy a Used Car 11%
Recreational Purchase 5%
Purchase a Second Home 3%
Other 6%
None of the Above 37%

0% 5% 10% 15% 20% 25% 30% 35% 40%

October 4, 2012
Most Consumers Report That Their Job Situation Did Not
Prevent Them From Applying For a Loan

15%

Job Situation Prevented Applying
for a Loan

Job Situation Did Not Prevent
Applying for a Loan

85%

Percent of All Households

October 2, 2012
Wage Earners Employment Status
60%

50% 48%

39%
40%

30% 26%
23%
20% 18%
14% 13%
10% 8% 7%
4%
0%
Stably Employed Employed but Unemployed Under Employed Retired
Concerned
Primary Wage Earner's Employment Status
Secondary Wage Earner's Employment Status

September 27, 2012
Impact of the Economy on Consumers or an Immediate Family
Member’s Employment Situation in the Past Two Years
30%
25% 26% 24%
25%
23%
20% 19%
20%
18%
16%
14% 13% 15%
15% 13%

10%

5%

0%
Lost Job Reduced Hours/Pay Reduced Salary Benefits Reduced
Spring '11 Fall '11 Spring '12

September 25, 2012
Some Consumers Perceive That They Are Seeing
Signs That the Economy is Improving
80%
69%
70%
61%
60% 57%

50%
40%
30%
21%
20% 16%
12% 12% 11% 13% 15%
10% 6% 5%
0%
See No Evidence the Just Begun to See Signs Definitely See Evidence Not Sure
Recession Is Over the Recession Is Ending Economy Is Improving

Spring '11 Fall '11 Spring '12

September 20, 2012
Consumer Perceptions of Their Personal Situation in
the Next Six Months in Comparison to Today
70%

60% 57%59%59%
55%
53% 53%
50%

40%
29%
30%
21% 20%20%20% 21%
20% 16% 15% 14%15%15%
10%
10%

0%
Better Shape About the Same Worse Shape
Spring '07 Spring '08 Spring '09 Spring '10 Spring '11 Spring '12

Raddon Chart of the Day November 6, 2012

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Raddon Chart of the Day November 6, 2012