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Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
Raddon Chart of the Day November 6, 2012
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Raddon Chart of the Day November 6, 2012

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  • 1. 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
  • 2. Raddon Chart of the Day 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 ProductsSource: 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
  • 3. Raddon Chart of the Day 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 ConcernsSole 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% 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
  • 4. Raddon Chart of the Day 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% 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
  • 5. Raddon Chart of the Day 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 RatesSource: 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
  • 6. Raddon Chart of the Day 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 ReferralSource: 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
  • 7. Raddon Chart of the Day October 16, 2012 Most Households Were Not Rewarded For Recommending Their PFI to Family/Friends100%90% 88%80%70%60%50% Base: Households That Made a PFI Recommendation40%30%20%10% 7% 4% 1% 0% Yes, Both Parties Yes, I Received Yes, They Received No, Neither Rewarded Reward Reward Rewarded 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
  • 8. Raddon Chart of the Day October 11, 2012 Primary Customers That Have Recommended Their PFI to Family Members and/or Friends80% 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 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
  • 9. Raddon Chart of the Day 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% 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
  • 10. Raddon Chart of the Day 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 HouseholdsSource: 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
  • 11. Raddon Chart of the Day October 2, 2012 Wage Earners Employment Status60%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 Earners Employment Status Secondary Wage Earners Employment Status 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
  • 12. Raddon Chart of the Day September 27, 2012 Impact of the Economy on Consumers or an Immediate Family Member’s Employment Situation in the Past Two Years30% 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 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
  • 13. Raddon Chart of the Day September 25, 2012 Some Consumers Perceive That They Are Seeing Signs That the Economy is Improving80% 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 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
  • 14. Raddon Chart of the Day September 20, 2012 Consumer Perceptions of Their Personal Situation in the Next Six Months in Comparison to Today70%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 12Source: 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

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