Innovation Panel

wealthassetsanddebt_ip3

Wealth, assets and debt module

Questions 66

wealthassetsanddebt_ip3.daintroAssets and debt intro

Type
number
Text
I'd like to ask you about any savings and investments you may have. They can be in your name only, held in joint names with your husband/wife/partner or with someone else. Press 1 and Enter to continue

wealthassetsanddebt_ip3.nvest_aSavings/investments, SC

Type
multichoice
Interviewer Instruction
CODE ALL THAT APPLY
Text
Please look at this card and tell me which types of savings accounts or investments you have, if any.
OptionLabelAssociated Variables
1Savings or deposit accounts (with a bank, post office or building society) ()
2National Savings Accounts (formally National Savings Bank or Post Office Accounts)c_nvest_a2 (c_indresp_ip) mc national savings accounts (formally national savings bank/post office accts
3TESSA only ISAs or Cash ISAsc_nvest_a3 (c_indresp_ip) mc tessa only isas or cash isas
4National Savings Certificates {if ff_hhdaw3 = 1 or 3}c_nvest_a4 (c_indresp_ip) mc national savings certificates {if ff_hhdaw3 = 1 or 3}
5Premium Bondsc_nvest5 (c_indresp_ip) mc premium bonds
6Unit Trusts / Investment Trusts (excluding ISAs/PEPs) {if ff_hhdaw3 = 1 or 3} ()
7Stocks and shares ISAs or PEPs ()
8Shares, UK or foreign (excluding ISAs/PEPs) {if ff_hhdaw3 = 1 or 3}c_nvest_a8 (c_indresp_ip) mc shares, uk or foreign (excluding isas/peps) {if ff_hhdaw3 = 1 or 3}
9National Savings Bonds (Capital, Income or Deposit) {if ff_hhdaw3 = 1 or 3}c_nvest_a9 (c_indresp_ip) mc national savings bonds (capital, income or deposit) {if ff_hhdaw3 = 1 or 3}
10Other investments (Gilts, government or company securities) {if ff_hhdaw3 = 1 or 3}c_nvest10 (c_indresp_ip) mc other investments (gilts, government or company securities)
96None (SPONTANEOUS)c_nvest_a96 (c_indresp_ip) mc none (spontaneous)
Universe
if ff_showcardw3 = 1 (Showcard treatment group)

wealthassetsanddebt_ip3.nvest_bSavings/investments, NSC

Type
multichoice
Interviewer Instruction
READ OUT AND CODE ALL THAT APPLY
Text
Do you have...
OptionLabelAssociated Variables
1Savings or deposit accounts (with a bank, post office or building society)c_nvest_b1 (c_indresp_ip) mc savings or deposit accounts (with a bank, post office or building society) -
2National Savings Accounts (formally National Savings Bank or Post Office Accounts)c_nvest_b2 (c_indresp_ip) mc national savings accounts (formally national savings bank or post office acco
3TESSA only ISAs or Cash ISAsc_nvest_b3 (c_indresp_ip) mc tessa only isas or cash isas - version b
4National Savings Certificates {if ff_hhdaw3 = 1 or 3}c_nvest_b4 (c_indresp_ip) mc national savings certificates - version b
5Premium Bondsc_nvest_b5 (c_indresp_ip) mc premium bonds - version b
6Unit Trusts / Investment Trusts (excluding ISAs/PEPs) {if ff_hhdaw3 = 1 or 3}c_nvest_b6 (c_indresp_ip) mc unit trusts / investment trusts (excluding isas/peps) - version b
7Stocks and shares ISAs or PEPsc_nvest_b7 (c_indresp_ip) mc stocks and shares isas or peps - version b
8Shares, UK or foreign (excluding ISAs/PEPs) {if ff_hhdaw3 = 1 or 3}c_nvest_b8 (c_indresp_ip) mc shares, uk or foreign (excluding isas/peps) - version b
9National Savings Bonds (Capital, Income or Deposit) {if ff_hhdaw3 = 1 or 3}c_nvest_b9 (c_indresp_ip) mc national savings bonds (capital, income or deposit) - version b
10Other investments (Gilts, government or company securities) {if ff_hhdaw3 = 1 or 3}c_nvest_b10 (c_indresp_ip) mc other investments (gilts, government or company securities) - version b
96None (SPONTANEOUS)c_nvest_b96 (c_indresp_ip) mc none (spontaneous) - version b
Universe
if ff_showcardw3 = 2 (No showcard treatment group)

wealthassetsanddebt_ip3.nvestSavings/investments

Type
multichoice

wealthassetsanddebt_ip3.svackSavings total amount

Type
number
Interviewer Instruction
ENTER VALUE TO THE NEAREST POUND
Text
You told me you have the following savings accounts: NVEST categories 1,2,3. About how much in total is the current balance in these accounts?
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2,3) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account, National Savings Account, TESSA only ISA or cash ISA)

wealthassetsanddebt_ip3.svackb1Savings 1,000 or more

Type
choice
Text
Would it amount to £ 1,000 or more?
OptionLabel
1Yes
2No
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2,3) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account, National Savings Account, TESSA only ISA or cash ISA)
and if SVACK = DK & SVACK <> REF (Amount held in savings accounts not known and has not refused to give amount)

wealthassetsanddebt_ip3.svackb2Savings 5,000 or more

Type
choice
Text
Would it amount to £ 5,000 or more?
OptionLabel
1Yes
2No
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2,3) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account, National Savings Account, TESSA only ISA or cash ISA)
and if SVACK = DK & SVACK <> REF (Amount held in savings accounts not known and has not refused to give amount)
and if SVACKB1 = 1 (Amount held in savings accounts is more than 1,000)

wealthassetsanddebt_ip3.svackb3Savings 10,000 or more

Type
choice
Text
Would it amount to £ 10,000 or more?
OptionLabel
1Yes
2No
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2,3) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account, National Savings Account, TESSA only ISA or cash ISA)
and if SVACK = DK & SVACK <> REF (Amount held in savings accounts not known and has not refused to give amount)
and if SVACKB1 = 1 (Amount held in savings accounts is more than 1,000)
and if SVACKB2 = 1 (Amount held in savings accounts is more than 5,000)

wealthassetsanddebt_ip3.svackb5Savings 20,000 or more

Type
choice
Text
Would it amount to £ 20,000 or more?
OptionLabel
1Yes
2No
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2,3) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account, National Savings Account, TESSA only ISA or cash ISA)
and if SVACK = DK & SVACK <> REF (Amount held in savings accounts not known and has not refused to give amount)
and if SVACKB1 = 1 (Amount held in savings accounts is more than 1,000)
and if SVACKB2 = 1 (Amount held in savings accounts is more than 5,000)
and if SVACKB3 = 1 (Amount held in savings accounts is more than 10,000)

wealthassetsanddebt_ip3.svackb4Savings 500 or more

Type
choice
Text
Would it amount to £ 500 or more?
OptionLabel
1Yes
2No
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2,3) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account, National Savings Account, TESSA only ISA or cash ISA)
and if SVACK = DK & SVACK <> REF (Amount held in savings accounts not known and has not refused to give amount)
and if SVACKB1 = 2 | DK (Amount held in savings accounts is not more than 1,000 or respondent does not know amount)

wealthassetsanddebt_ip3.svacsjSavings sole or joint

Type
choice
Text
Are these savings in your sole name only, held in joint names with your husband/wife/partner or with someone else, or do you have both sole and joinly held accounts?
OptionLabel
1Sole only
2Joint only
3Both sole and joint
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2) & (SVACK <> REF) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account or National Savings Account and has not refused to give amount held in savings)

wealthassetsanddebt_ip3.svacpnPNO of joint saver

Type
multichoice
Interviewer Instruction
ENTER PERSON NUMBER(S) FROM HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE HOUSEHOLD ENTER 0. CODE UP TO 3
Text
Can you tell me the person who is the joint holder of these savings with you?
OptionLabelAssociated Variables
0Non-household memberc_svacpn0 (c_indresp_ip) mc non-household member
1Person number 1c_svacpn1 (c_indresp_ip) mc person number 1
2Person number 2c_svacpn2 (c_indresp_ip) mc person number 2
3Person number 3c_svacpn3 (c_indresp_ip) mc person number 3
4Person number 4c_svacpn4 (c_indresp_ip) mc person number 4
5Person number 5c_svacpn5 (c_indresp_ip) mc person number 5
6Person number 6c_svacpn6 (c_indresp_ip) mc person number 6
7Person number 7c_svacpn7 (c_indresp_ip) mc person number 7
8Person number 8c_svacpn8 (c_indresp_ip) mc person number 8
9Person number 9c_svacpn9 (c_indresp_ip) mc person number 9
10Person number 10c_svacpn10 (c_indresp_ip) mc person number 10
11Person number 11c_svacpn11 (c_indresp_ip) mc person number 11
12Person number 12c_svacpn12 (c_indresp_ip) mc person number 12
13Person number 13c_svacpn13 (c_indresp_ip) mc person number 13
14Person number 14c_svacpn14 (c_indresp_ip) mc person number 14
15Person number 15c_svacpn15 (c_indresp_ip) mc person number 15
16Person number 16c_svacpn16 (c_indresp_ip) mc person number 16
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2) & (SVACK <> REF) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account or National Savings Account and has not refused to give amount held in savings)
and if SVACSJ = 2|3 (Holds joint only or both sole and joint accounts)

wealthassetsanddebt_ip3.svacskSavings amount in sole name

Type
number
Interviewer Instruction
ENTER VALUE TO THE NEAREST POUND
Text
About how much of the amount you have in savings is held in your sole name?
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2) & (SVACK <> REF) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account or National Savings Account and has not refused to give amount held in savings)
and if SVACSJ = 3 (Holds both sole and joint accounts)

wealthassetsanddebt_ip3.svacspSavings proportion of total

Type
number
Interviewer Instruction
ENTER PERCENTAGE
Text
Can you tell me approximately what your personal share of the total amount you have in savings is?
Universe
if (ff_hhdaw3 = 1|2) & NVEST IN (1,2) & (SVACK <> REF) (Assets and debt experimental group 1 or 2 and holds a savings or deposit account or National Savings Account and has not refused to give amount held in savings)
and if SVACSJ = 3 (Holds both sole and joint accounts)
and if SVACSK = DK (Amount held solely not known)

wealthassetsanddebt_ip3.nvestkInvestments total amount

Type
number
Interviewer Instruction
ENTER VALUE TO THE NEAREST POUND
Text
You told me you have the following investments: categories from NVEST 4,5,6,7,8,9,10. [NOT including the savings you have just told me about, about] {if NVEST = 1,2,3} / [About] how much is the total value of these investments?
Universe
if ((ff_hhdaw3 = 1 & NVEST IN (4,5,6,7,8,9,10) | (ff_hhdaw3 = 2 & NVEST IN (5,7)) & SVACK <> REF (Assets and debt experimental group 1 and holds Premium Bonds, unit trusts/investment trusts, stocks and shares ISA/PEP, shares, national savings bonds or other investments OR assets and debt experimental group 2 and holds Premium Bonds or stocks and shares ISA/PEPs AND has not refused to provide amount held in savings)

wealthassetsanddebt_ip3.nvestc1Investments 5,000 or more

Type
choice
Text
Would it amount to £ 5,000 or more?
OptionLabel
1Yes
2No
Universe
if ((ff_hhdaw3 = 1 & NVEST IN (4,5,6,7,8,9,10) | (ff_hhdaw3 = 2 & NVEST IN (5,7)) & SVACK <> REF (Assets and debt experimental group 1 and holds Premium Bonds, unit trusts/investment trusts, stocks and shares ISA/PEP, shares, national savings bonds or other investments OR assets and debt experimental group 2 and holds Premium Bonds or stocks and shares ISA/PEPs AND has not refused to provide amount held in savings)
and if NVESTK = DK (Amount held in investments not known)

wealthassetsanddebt_ip3.nvestc2Investments 15,000 or more

Type
choice
Text
Would it amount to £ 15,000 or more?
OptionLabel
1Yes
2No
Universe
if ((ff_hhdaw3 = 1 & NVEST IN (4,5,6,7,8,9,10) | (ff_hhdaw3 = 2 & NVEST IN (5,7)) & SVACK <> REF (Assets and debt experimental group 1 and holds Premium Bonds, unit trusts/investment trusts, stocks and shares ISA/PEP, shares, national savings bonds or other investments OR assets and debt experimental group 2 and holds Premium Bonds or stocks and shares ISA/PEPs AND has not refused to provide amount held in savings)
and if NVESTK = DK (Amount held in investments not known)
and if NVESTC1 = 1 (Holds more than 5,000 in investments)

wealthassetsanddebt_ip3.nvestc3Investments 50,000 or more

Type
choice
Text
Would it amount to £ 50,000 or more?
OptionLabel
1Yes
2No
Universe
if ((ff_hhdaw3 = 1 & NVEST IN (4,5,6,7,8,9,10) | (ff_hhdaw3 = 2 & NVEST IN (5,7)) & SVACK <> REF (Assets and debt experimental group 1 and holds Premium Bonds, unit trusts/investment trusts, stocks and shares ISA/PEP, shares, national savings bonds or other investments OR assets and debt experimental group 2 and holds Premium Bonds or stocks and shares ISA/PEPs AND has not refused to provide amount held in savings)
and if NVESTK = DK (Amount held in investments not known)
and if NVESTC1 = 1 (Holds more than 5,000 in investments)
and if NVESTC2 = 1 (Holds more than 15,000 in investments)

wealthassetsanddebt_ip3.nvestc5Investments 100,000 or more

Type
choice
Text
Would it amount to £ 100,000 or more?
OptionLabel
1Yes
2No
Universe
if ((ff_hhdaw3 = 1 & NVEST IN (4,5,6,7,8,9,10) | (ff_hhdaw3 = 2 & NVEST IN (5,7)) & SVACK <> REF (Assets and debt experimental group 1 and holds Premium Bonds, unit trusts/investment trusts, stocks and shares ISA/PEP, shares, national savings bonds or other investments OR assets and debt experimental group 2 and holds Premium Bonds or stocks and shares ISA/PEPs AND has not refused to provide amount held in savings)
and if NVESTK = DK (Amount held in investments not known)
and if NVESTC1 = 1 (Holds more than 5,000 in investments)
and if NVESTC2 = 1 (Holds more than 15,000 in investments)
and if NVESTC3 = 1 (Holds more than 50,000 in investments)

wealthassetsanddebt_ip3.nvestc4Investments 1,000 or more

Type
choice
Text
Would it amount to £ 1,000 or more?
OptionLabel
1Yes
2No
Universe
if ((ff_hhdaw3 = 1 & NVEST IN (4,5,6,7,8,9,10) | (ff_hhdaw3 = 2 & NVEST IN (5,7)) & SVACK <> REF (Assets and debt experimental group 1 and holds Premium Bonds, unit trusts/investment trusts, stocks and shares ISA/PEP, shares, national savings bonds or other investments OR assets and debt experimental group 2 and holds Premium Bonds or stocks and shares ISA/PEPs AND has not refused to provide amount held in savings)
and if NVESTK = DK (Amount held in investments not known)
and if NVESTC1 = 2|DK (Holds less than 5,000 in investments or amount not known)

wealthassetsanddebt_ip3.nvestsjInvestments sole or joint

Type
choice
Text
Are these investments in your sole name only, held in joint names with your husband/wife/partner or someone else or do you have both sole and jointly held investments?
OptionLabel
1Sole only
2Joint only
3Both sole and joint
Universe
if ff_hhdaw3 = 1 & NVEST IN (4,6,8,9,10) & NVestK <> REF (Assets and debt experimental group 1 and holds National Savings Certificates, Unit Trusts, Investment Trusts, Shares, National Savings Bonds or other investments and has not refused to provide amount held in investments)

wealthassetsanddebt_ip3.nvstpnPNO of joint investor

Type
multichoice
Interviewer Instruction
ENTER PERSON NUMBER(S) FROM HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE HOUSEHOLD ENTER 0. CODE UP TO 3
Text
Can you tell me the person who is the joint holder of these investments with you?
OptionLabelAssociated Variables
0Non-household memberc_nvstpn0 (c_indresp_ip) mc non-household member
1Person number 1c_nvstpn1 (c_indresp_ip) mc person number 1
2Person number 2c_nvstpn2 (c_indresp_ip) mc person number 2
3Person number 3c_nvstpn3 (c_indresp_ip) mc person number 3
4Person number 4c_nvstpn4 (c_indresp_ip) mc person number 4
5Person number 5c_nvstpn5 (c_indresp_ip) mc person number 5
6Person number 6c_nvstpn6 (c_indresp_ip) mc person number 6
7Person number 7c_nvstpn7 (c_indresp_ip) mc person number 7
8Person number 8c_nvstpn8 (c_indresp_ip) mc person number 8
9Person number 9c_nvstpn9 (c_indresp_ip) mc person number 9
10Person number 10c_nvstpn10 (c_indresp_ip) mc person number 10
11Person number 11c_nvstpn11 (c_indresp_ip) mc person number 11
12Person number 12c_nvstpn12 (c_indresp_ip) mc person number 12
13Person number 13c_nvstpn13 (c_indresp_ip) mc person number 13
14Person number 14c_nvstpn14 (c_indresp_ip) mc person number 14
15Person number 15c_nvstpn15 (c_indresp_ip) mc person number 15
16Person number 16c_nvstpn16 (c_indresp_ip) mc person number 16
Universe
if ff_hhdaw3 = 1 & NVEST IN (4,6,8,9,10) & NVestK <> REF (Assets and debt experimental group 1 and holds National Savings Certificates, Unit Trusts, Investment Trusts, Shares, National Savings Bonds or other investments and has not refused to provide amount held in investments)
and if NVESTSJ = 2|3 (Holds investments jointly or a mixture of sole and joint)

wealthassetsanddebt_ip3.nvestskInvestments amount in sole name

Type
number
Interviewer Instruction
ENTER VALUE TO THE NEAREST POUND IF DON'T KNOW/CAN'T SAY, THEN ASK FOR ESTIMATE
Text
About how much of the amount you have in investments is held soley in your name?
Universe
if ff_hhdaw3 = 1 & NVEST IN (4,6,8,9,10) & NVestK <> REF (Assets and debt experimental group 1 and holds National Savings Certificates, Unit Trusts, Investment Trusts, Shares, National Savings Bonds or other investments and has not refused to provide amount held in investments)
and if NVESTSJ = 3 (Holds investments both jointly and sole)

wealthassetsanddebt_ip3.nvestspInvestments proportion of total

Type
number
Interviewer Instruction
ENTER PERCENTAGE
Text
Can you tell me approximately what your personal share of the total amount invested is?
Universe
if ff_hhdaw3 = 1 & NVEST IN (4,6,8,9,10) & NVestK <> REF (Assets and debt experimental group 1 and holds National Savings Certificates, Unit Trusts, Investment Trusts, Shares, National Savings Bonds or other investments and has not refused to provide amount held in investments)
and if NVESTSJ = 3 (Holds investments both jointly and sole)
and if NVESTSK = DK & NVESTSK <> REF (Amount in investments held solely not known and not refused)

wealthassetsanddebt_ip3.investcodeInvestment code used for looping

Type
number
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)

wealthassetsanddebt_ip3.nvestamtAmount held in account

Type
number
Interviewer Instruction
ENTER VALUE TO THE NEAREST POUND IF MORE THAN ONE ACCOUNT OF THIS TYPE, ENTER SUM OF ALL ACCOUNTS
Text
How much in total is the current balance in your INVESTCODE?
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)

wealthassetsanddebt_ip3.nvestb1Amount: branching q

Type
choice
Interviewer Instruction
IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO INVESTCODE
Text
Would that amount to £ AMOUNT or more?
OptionLabel
1Yes
2No
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)
and if NVESTAMT = DK & NVESTAMT <> REF (Amount held in account type is not known and not refused)

wealthassetsanddebt_ip3.nvestb2Amount: branching q

Type
choice
Interviewer Instruction
IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO INVESTCODE
Text
Would that amount to £ AMOUNT or more?
OptionLabel
1Yes
2No
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)
and if NVESTAMT = DK & NVESTAMT <> REF (Amount held in account type is not known and not refused)
and if NVESTB1 = 1 (Holds more than x in account type)

wealthassetsanddebt_ip3.nvestb3Amount: branching q

Type
choice
Interviewer Instruction
IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO INVESTCODE
Text
Would that amount to £ AMOUNT or more?
OptionLabel
1Yes
2No
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)
and if NVESTAMT = DK & NVESTAMT <> REF (Amount held in account type is not known and not refused)
and if NVESTB1 = 1 (Holds more than x in account type)
and if NVESTB2 = 1 (Holds more than x in account type)

wealthassetsanddebt_ip3.nvestb5Amount: branching q

Type
choice
Interviewer Instruction
IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO INVESTCODE
Text
Would that amount to £ AMOUNT or more?
OptionLabel
1Yes
2No
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)
and if NVESTAMT = DK & NVESTAMT <> REF (Amount held in account type is not known and not refused)
and if NVESTB1 = 1 (Holds more than x in account type)
and if NVESTB2 = 1 (Holds more than x in account type)
and if NVESTB3 = 1 (Holds more than x in account type)

wealthassetsanddebt_ip3.nvestb4Amount: branching q

Type
choice
Interviewer Instruction
IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO INVESTCODE
Text
Would that amount to £ AMOUNT or more?
OptionLabel
1Yes
2No
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)
and if NVESTAMT = DK & NVESTAMT <> REF (Amount held in account type is not known and not refused)
and if NVESTB1 = 2 (Holds less than x in account type)

wealthassetsanddebt_ip3.nvestlsjAccount(s) in sole name or joint

Type
choice
Text
And is/are the INVESTCODE(s) held in your sole name only, held in joint names with your husband/wife/partner or someone else, or do you have both sole and jointly held investments?
OptionLabel
1Sole only
2Joint only
3Both sole and joint
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)
and if ((ff_hhdaw3 = 3 & NVEST IN (1,2,4,6,8,9,10) | (ff_hhdaw3 = 4 & NVEST IN (1,2)) & NVESTAMT <> REF (Assets and debt experimental group 3 and has savings or deposit account, national savings and investment account, National Savings Certificates, Unit trusts/Investment Trusts, Shares (exclusing ISAs/PEPs), National Savings Bonds and other investments OR Assets and debt experimental group 4 and has savings or deposit account or national savings and investment account AND has not refused to report amount of investment)

wealthassetsanddebt_ip3.nvestlpnPNO of joint account holder

Type
multichoice
Interviewer Instruction
ENTER PERSON NUMBER(S) FROM HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE HOUSEHOLD ENTER 0. CODE UP TO 3
Text
Can you tell me the person(s) who is/are the joint holder of the INVESTCODE with you?
OptionLabelAssociated Variables
0Non-household memberc_nvestlpn0 (c_wealth_ip) mc non-household member
1Person number 1c_nvestlpn1 (c_wealth_ip) mc person number 1
2Person number 2c_nvestlpn2 (c_wealth_ip) mc person number 2
3Person number 3c_nvestlpn3 (c_wealth_ip) mc person number 3
4Person number 4c_nvestlpn4 (c_wealth_ip) mc person number 4
5Person number 5c_nvestlpn5 (c_wealth_ip) mc person number 5
6Person number 6 ()
7Person number 7 ()
8Person number 8c_nvestlpn8 (c_wealth_ip) mc person number 8
9Person number 9c_nvestlpn9 (c_wealth_ip) mc person number 9
10Person number 10c_nvestlpn10 (c_wealth_ip) mc person number 10
11Person number 11c_nvestlpn11 (c_wealth_ip) mc person number 11
12Person number 12c_nvestlpn12 (c_wealth_ip) mc person number 12
13Person number 13c_nvestlpn13 (c_wealth_ip) mc person number 13
14Person number 14c_nvestlpn14 (c_wealth_ip) mc person number 14
15Person number 15c_nvestlpn15 (c_wealth_ip) mc person number 15
16Person number 16c_nvestlpn16 (c_wealth_ip) mc person number 16
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)
and if ((ff_hhdaw3 = 3 & NVEST IN (1,2,4,6,8,9,10) | (ff_hhdaw3 = 4 & NVEST IN (1,2)) & NVESTAMT <> REF (Assets and debt experimental group 3 and has savings or deposit account, national savings and investment account, National Savings Certificates, Unit trusts/Investment Trusts, Shares (exclusing ISAs/PEPs), National Savings Bonds and other investments OR Assets and debt experimental group 4 and has savings or deposit account or national savings and investment account AND has not refused to report amount of investment)
and if NVESTLSJ = 2|3 (Holds investments jointly or both sole and jointly)

wealthassetsanddebt_ip3.nvestlskInvestments amount in sole name

Type
number
Interviewer Instruction
ENTER VALUE TO THE NEAREST POUND IF DON'T KNOW/CAN'T SAY, THEN ASK FOR ESTIMATE
Text
About how much of the amount you have in investments is held solely in your name?
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)
and if ((ff_hhdaw3 = 3 & NVEST IN (1,2,4,6,8,9,10) | (ff_hhdaw3 = 4 & NVEST IN (1,2)) & NVESTAMT <> REF (Assets and debt experimental group 3 and has savings or deposit account, national savings and investment account, National Savings Certificates, Unit trusts/Investment Trusts, Shares (exclusing ISAs/PEPs), National Savings Bonds and other investments OR Assets and debt experimental group 4 and has savings or deposit account or national savings and investment account AND has not refused to report amount of investment)
and if NVESTLSJ = 3 (Holds investments both sole and jointly)

wealthassetsanddebt_ip3.nvestlspInvestments proportion

Type
number
Interviewer Instruction
ENTER PERCENTAGE
Text
Can you tell me approximately what your personal share of the total amount invested is?
Universe
if ff_hhdaw3 = 3|4 (Assets and debt experimental group 3 or 4)
and if ((ff_hhdaw3 = 3 & NVEST IN (1,2,4,6,8,9,10) | (ff_hhdaw3 = 4 & NVEST IN (1,2)) & NVESTAMT <> REF (Assets and debt experimental group 3 and has savings or deposit account, national savings and investment account, National Savings Certificates, Unit trusts/Investment Trusts, Shares (exclusing ISAs/PEPs), National Savings Bonds and other investments OR Assets and debt experimental group 4 and has savings or deposit account or national savings and investment account AND has not refused to report amount of investment)
and if NVESTLSJ = 3 (Holds investments both sole and jointly)
and if NVESTLSK = DK & NVESTLSK <> REF (Amount in investments held solely not known and not refused)

wealthassetsanddebt_ip3.ccsoleHas store cards/credit cards in sole name

Type
choice
Text
Do you have any store cards or credit cards such as Visa, or Mastercard in your sole name? Please do not include direct debit cards such as Switch or Delta or store loyalty cards such as Tesco Clubcard or Nectar.
OptionLabel
1Yes
2No

wealthassetsanddebt_ip3.nccsoleNumber of store cards/credit cards in sole name

Type
number
Interviewer Instruction
ENTER NUMBER
Text
How many store and credit cards do you have in your sole name?
Universe
if CCSOLE = 1 (Holds credit cards in sole name)

wealthassetsanddebt_ip3.credsoleMax borrowing limit on cards in sole name

Type
number
Interviewer Instruction
ENTER AMOUNT TO THE NEAREST POUND
Text
What is the maximum borrowing limit on [all the cards] {if NCCSOLE > 1} / [the card] {if NCCSOLE = 1} just in your name?
Universe
if CCSOLE = 1 (Holds credit cards in sole name)

wealthassetsanddebt_ip3.ccbillsole_aRepayment behaviour, cards in sole name, SC

Type
choice
Text
Please look at this card and tell me which statement best describes how you pay the [bill for this card] {if NCCSOLE = 1} / [bills for these cards {if NCCSOLE > 1} each month. You can just tell me the number that applies.
OptionLabel
1Usually nothing to pay
2Usually pay full amount
3Some not full amount
4Min on some, more other
5Usually minimum only
6Not always poss pay min
7Some other arrangement
Universe
if NCCSOLE <> DK|REF & ff_showcardw3 = 1 (Number of credit cards is not don't know or refused and showcard treatment group)

wealthassetsanddebt_ip3.ccbillsole_bRepayment behaviour, cards in sole name, NSC

Type
choice
Interviewer Instruction
READ OUT AND CODE ONE ONLY
Text
Which of the following statements best describes how you pay the [bill for this card] {if NCCSOLE = 1} / [bills for these cards {if NCCSOLE > 1} each month. Do you...
OptionLabel
1Usually nothing to pay
2Usually pay full amount
3Some not full amount
4Min on some, more other
5Usually minimum only
6Not always poss pay min
7Some other arrangement
Universe
if NCCSOLE <> DK, REF & ff_showcardw3 = 2 (Number of credit cards is not don't know or refused and no showcard treatment group)

wealthassetsanddebt_ip3.ccbillsoleRepayment behaviour, cards in sole name

Type
choice

wealthassetsanddebt_ip3.ccamtsoleBalance outstanding, cards in sole name

Type
number
Interviewer Instruction
ENTER AMOUNT TO THE NEAREST POUND
Text
After you made your most recent payments, how much in total was still owed [on all of the cards] {if NCCSOLE > 1} / [on the card] {if NCCSOLE = 1} that you hold in your name solely?
Universe
if CCBILLSOLE > 2 (Pay less than the full amount owing every month on sole cards)

wealthassetsanddebt_ip3.ccjtHas store cards/credit cards in joint names

Type
choice
Text
Do you have any store cards or credit cards such as Visa, or Mastercard, which you hold jointly with someone else? Please do not include direct debit cards such as Switch or Detla or store loyalty cards such as Tesco Clubdcard or Nectar.
OptionLabel
1Yes
2No

wealthassetsanddebt_ip3.nccjtNumber of store/credit cards in joint names

Type
number
Interviewer Instruction
ENTER NUMBER
Text
How many store and credit cards do you have jointly with someone else?
Universe
if CCJT = 1 (Holds credit cards jointly with someone else)

wealthassetsanddebt_ip3.ccjtpPNO of joint credit card holder

Type
multichoice
Interviewer Instruction
ENTER PERSON NUMBER(S) FROM HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE THE HOUSEHOLD ENTER 0. CODE UP TO 3. F9 FOR HELP
Text
Who is the person (who are the people) you hold these joint credit cards with?
OptionLabelAssociated Variables
0Non-household memberc_ccjtp0 (c_indresp_ip) mc non-household member
1Person number 1c_ccjtp1 (c_indresp_ip) mc person number 1
2Person number 2c_ccjtp2 (c_indresp_ip) mc person number 2
3Person number 3c_ccjtp3 (c_indresp_ip) mc person number 3
4Person number 4 ()
5Person number 5 ()
6Person number 6 ()
7Person number 7c_ccjtp7 (c_indresp_ip) mc person number 7
8Person number 8c_ccjtp8 (c_indresp_ip) mc person number 8
9Person number 9c_ccjtp9 (c_indresp_ip) mc person number 9
10Person number 10 ()
11Person number 11 ()
12Person number 12 ()
13Person number 13 ()
14Person number 14c_ccjtp14 (c_indresp_ip) mc person number 14
15Person number 15c_ccjtp15 (c_indresp_ip) mc person number 15
16Person number 16c_ccjtp16 (c_indresp_ip) mc person number 16
Universe
if CCJT = 1 (Holds credit cards jointly with someone else)

wealthassetsanddebt_ip3.credjtMax borrowing limit on cards in joint names

Type
number
Interviewer Instruction
ENTER AMOUNT TO THE NEAREST POUND
Text
What is the maximum borrowing limit on [all the cards] {if NCCJT > 1} / [the card] {if NCCJT = 1} you hold jointly?
Universe
if CCJT = 1 (Holds credit cards jointly with someone else)

wealthassetsanddebt_ip3.ccbilljt_aRepayment behaviour, cards in joint names, SC

Type
choice
Text
Please look at this card and tell me which statement best describes how the [bill for this card is] {if NCCJT = 1} / [the bills for these cards are] {if NCCJT > 1} paid each month. You can just tell me the number that applies.
OptionLabel
1Usually nothing to pay
2Usually pay full amount
3Some not full amount
4Min on some, more other
5Usually minimum only
6Not always poss pay min
7Some other arrangement
Universe
if NCCJT <> DK|REF & ff_showcardw3 = 1 (Number of credit cards held jointly is not don't know or refused and showcard treatment group)

wealthassetsanddebt_ip3.ccbilljt_bRepayment behaviour, cards in joint names, NSC

Type
choice
Interviewer Instruction
READ OUT AND CODE ONE ONLY
Text
Which of the following statements best describes how the [bill for this card is] {if NCCJT = 1} / [the bills for these cards are] {if NCCJT > 1} paid each month. Do you...
OptionLabel
1Usually nothing to pay
2Usually pay full amount
3Some not full amount
4Min on some, more other
5Usually minimum only
6Not always poss pay min
7Some other arrangement
Universe
if NCCJT <> DK|REF & ff_showcardw3 = 2 (Number of credit cards held jointly is not don't know or refused and no showcard treatment group)

wealthassetsanddebt_ip3.ccbilljtRepayment behaviour, cards in joint names

Type
choice

wealthassetsanddebt_ip3.ccamtjtOutstanding balance, cards in joint names

Type
number
Interviewer Instruction
ENTER AMOUNT TO THE NEAREST POUND
Text
After the most recent payments were made, how much in total was still owed [on all of the cards] {if NCCJT > 1} you hold jointly?
Universe
if CCBILLJT >2 (Pay less than the full amount owing every month on joint cards)

wealthassetsanddebt_ip3.debt_aOwes money, SC

Type
multichoice
Interviewer Instruction
CODE ALL THAT APPLY
Text
I would now like to ask you about any other financial commitments you may have apart from mortgages. For which, if any, of the items listed on this card do you currently owe any money? Please do not include credit card and other bills being fully paid off in the current month.
OptionLabelAssociated Variables
1Hire purchase agreement(s)c_debt1 (c_indresp_ip) mc hire purchase agreement(s)
2Personal loan(s) (from bank, building society or other financial institution)c_debt2 (c_indresp_ip) mc personal loan(s) (from bank, building society or other financial institutio
4Catalogue or mail order purchase agreement(s)c_debt4 (c_indresp_ip) mc catalogue or mail order purchase agreement(s)
5DWP Social Fund loanc_debt5 (c_indresp_ip) mc dwp social fund loan
6Any other loan(s) from a private individualc_debt6 (c_indresp_ip) mc any other loan(s) from a private individual
7Overdraft(s)c_debt_a7 (c_indresp_ip) mc overdraft(s)
8Student loanc_debt_a8 (c_indresp_ip) mc student loan
9Other debt not listed herec_debt9 (c_indresp_ip) mc other debt not listed here
96None of these (SPONTANEOUS)c_debt_a96 (c_indresp_ip) mc none of these (spontaneous)
Universe
if ff_showcardw3 = 1 (Showcard treatment group)

wealthassetsanddebt_ip3.debt_bOwes money, NSC

Type
multichoice
Interviewer Instruction
READ OUT AND CODE ALL THAT APPLY
Text
I would now like to ask you about any other financial commitments you may have apart from mortgages. Not including credit card or other bills being fully paid off in the current month, do you owe any money for any...
OptionLabelAssociated Variables
1Hire purchase agreement(s)c_debt_b1 (c_indresp_ip) mc hire purchase agreement(s)
2Personal loan(s) (from bank, building society or other financial institution)c_debt_b2 (c_indresp_ip) mc personal loan(s) (from bank, building society or other financial institutio
4Catalogue or mail order purchase agreement(s)c_debt_b4 (c_indresp_ip) mc catalogue or mail order purchase agreement(s)
5DWP Social Fund loan ()
6Any other loan(s) from a private individual ()
7Overdraft(s)c_debt_b7 (c_indresp_ip) mc overdraft(s)
8Student loanc_debt_b8 (c_indresp_ip) mc student loan
9Other debt not listed herec_debt_b9 (c_indresp_ip) mc other debt not listed here
96None of these (SPONTANEOUS)c_debt_b96 (c_indresp_ip) mc none of these (spontaneous)
Universe
if ff_showcardw3 = 2 (No showcard treatment group)

wealthassetsanddebt_ip3.debtOwes money

Type
multichoice

wealthassetsanddebt_ip3.debtyTotal amount owed

Type
number
Interviewer Instruction
ENTER VALUE TO THE NEAREST POUND
Text
About how much in total is owed on [this commitment] {if one mention at DEBT} / [these commitments] {if more than one mention at DEBT}?
Universe
if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)

wealthassetsanddebt_ip3.debtc1Owe 500 or more

Type
choice
Text
Would it amount to £ 500 or more?
OptionLabel
1Yes
2No
Universe
if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)

wealthassetsanddebt_ip3.debtc2Owe 1,500 or more

Type
choice
Text
Would it amount to £ 1,500 or more?
OptionLabel
1Yes
2No
Universe
if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)
and if DEBTC1 = 1 (Holds more than 500 of debt)

wealthassetsanddebt_ip3.debtc3Owe 5,000 or more

Type
choice
Text
Would it amount to £ 5,000 or more?
OptionLabel
1Yes
2No
Universe
if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)
and if DEBTC1 = 1 (Holds more than 500 of debt)
and if DEBTC2 = 1 (Holds more than 1,500 of debt)

wealthassetsanddebt_ip3.debtc5Owe 10,000 or more

Type
choice
Text
Would it amount to £ 10,000 or more?
OptionLabel
1Yes
2No
Universe
if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)
and if DEBTC1 = 1 (Holds more than 500 of debt)
and if DEBTC2 = 1 (Holds more than 1,500 of debt)
and if DEBTC3 = 1 (Holds more than 5,000 of debt)

wealthassetsanddebt_ip3.debtc4Owe 100 or more

Type
choice
Text
Would it amount to £ 100 or more?
OptionLabel
1Yes
2No
Universe
if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)
and if DEBTC1 = 2 (Holds less than 500 of debt)

wealthassetsanddebt_ip3.debtsjOwe money in sole name or joint

Type
choice
Text
Are these financial commitments in your sole name only, in joint names with your husband/wife/partner or someone else or do you have both sole and joint commitments?
OptionLabel
1Sole only
2Joint only
3Both sole and joint
Universe
if DEBTY <> REF | DEBTC1 <> REF | DEBTC2 <> REF | DEBTC3 <> REF | DEBTC4 <> REF | DEBTC5 <> REF (Has not refused to disclose the amount held in debt)

wealthassetsanddebt_ip3.debtpnPNO of joint debt holder

Type
multichoice
Interviewer Instruction
ENTER PERSON NUMBER(S) FROM HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE THE HOUSEHOLD ENTER 0. CODE UP TO 3
Text
Who is the person you have these joint financial commitments with?
OptionLabelAssociated Variables
0Non-household memberc_debtpn0 (c_indresp_ip) mc non-household member
1Person number 1c_debtpn1 (c_indresp_ip) mc person number 1
2Person number 2c_debtpn2 (c_indresp_ip) mc person number 2
3Person number 3c_debtpn3 (c_indresp_ip) mc person number 3
4Person number 4c_debtpn4 (c_indresp_ip) mc person number 4
5Person number 5c_debtpn5 (c_indresp_ip) mc person number 5
6Person number 6c_debtpn6 (c_indresp_ip) mc person number 6
7Person number 7c_debtpn7 (c_indresp_ip) mc person number 7
8Person number 8c_debtpn8 (c_indresp_ip) mc person number 8
9Person number 9c_debtpn9 (c_indresp_ip) mc person number 9
10Person number 10c_debtpn10 (c_indresp_ip) mc person number 10
11Person number 11c_debtpn11 (c_indresp_ip) mc person number 11
12Person number 12c_debtpn12 (c_indresp_ip) mc person number 12
13Person number 13c_debtpn13 (c_indresp_ip) mc person number 13
14Person number 14c_debtpn14 (c_indresp_ip) mc person number 14
15Person number 15c_debtpn15 (c_indresp_ip) mc person number 15
16Person number 16c_debtpn16 (c_indresp_ip) mc person number 16
Universe
if DEBTY <> REF | DEBTC1 <> REF | DEBTC2 <> REF | DEBTC3 <> REF | DEBTC4 <> REF | DEBTC5 <> REF (Has not refused to disclose the amount held in debt)
and if DEBTSJ = 2|3 (Holds debt jointly or a mixture of sole and joint)

wealthassetsanddebt_ip3.debtskOwe amount in sole name

Type
number
Interviewer Instruction
IF DON'T KNOW OR CAN'T SAY, ASK FOR ESTIMATE. ENTER AMOUNT TO THE NEAREST POUND
Text
About how much of the total amount outstanding is your sole commitment?
Universe
if DEBTY <> REF | DEBTC1 <> REF | DEBTC2 <> REF | DEBTC3 <> REF | DEBTC4 <> REF | DEBTC5 <> REF (Has not refused to disclose the amount held in debt)
and if DEBTSJ = 3 (Holds a mixture of sole and joint debt)

wealthassetsanddebt_ip3.debtspOwe proportion of total

Type
number
Interviewer Instruction
ENTER PERCENTAGE
Text
Can you tell me approximately what your personal share of the total amount oustanding is?
Universe
if DEBTY <> REF | DEBTC1 <> REF | DEBTC2 <> REF | DEBTC3 <> REF | DEBTC4 <> REF | DEBTC5 <> REF (Has not refused to disclose the amount held in debt)
and if DEBTSJ = 3 (Holds a mixture of sole and joint debt)
and if DEBTSK = DK & DEBTSK <> REF (Amount of debt held solely not known and not refused)

wealthassetsanddebt_ip3.huruns_aWho organises finances, SC

Type
choice
Text
People organise their finances in different ways. Which of the methods on this card comes closest to the way you organise yours? It doesn't have to fit exactly - just choose the nearest one. You can just tell me the number that applies.
OptionLabel
1I look after the household money except my partner's spending money
2My partner looks after all the household's money except my personal spending money
3I am given a housekeeping allowance. My partner looks after the rest of the money
4My partner is given a housekeeping allowance. I look after the rest of the money
5We share and manage our household finances jointly
6We pool some of the money and keep the rest separate
7We keep our finances completely separate
8I have some other arrangement
Universe
if (HHGRID.LiveSp = 1 | HHGRID.LiveWith = 1) & ff_showcardw3 = 1 (Lives with a spouse or partner and showcard treatment group)

wealthassetsanddebt_ip3.huruns_bWho organises finances, NSC

Type
choice
Interviewer Instruction
READ OUT AND CODE ONE ONLY. RE-READ THE RESPONSE OPTIONS AS WRITTEN AS NEEDED.
Text
People organise their finances in different ways. Which of the following methods comes closest to the way you organise yours? It doesn't have to fit exactly - just choose the nearest one.
OptionLabel
1I look after the household money except my partner's spending money
2My partner looks after all the household's money except my personal spending money
3I am given a housekeeping allowance. My partner looks after the rest of the money
4My partner is given a housekeeping allowance. I look after the rest of the money
5We share and manage our household finances jointly
6We pool some of the money and keep the rest separate
7We keep our finances completely separate
8I have some other arrangement
Universe
if (HHGRID.LiveSp = 1 | HHGRID.LiveWith = 1) & ff_showcardw3 = 2 (Lives with a spouse or partner and no showcard treatment group)

wealthassetsanddebt_ip3.hubossHousehold financial decisions

Type
choice
Interviewer Instruction
DO NOT PROMPT
Text
In your household who has the final say in big financial decisions?
OptionLabel
1Respondent
2Partner/spouse
3Both have equal say
4Some other arrangement
Universe
if HHGRID.LiveSp = 1 | HHGRID.LiveWith = 1 (Lives with a spouse or partner)