How Bay Area residents define and manage their wealth. October 2017

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1 How Bay Area residents define and manage their wealth October 2017

2 Methodology What An online study among a sample of the general public was conducted by Koski Research. When The study was fielded July 24 August 10, Who 775 Bay Area residents aged completed the study. The geographical area of the sample included counties in the Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara and Solano areas. Quotas were set so that the sample is as demographically representative as possible. The margin of error for the total survey sample is three percentage points. The data have not been weighted. 2

3 Bay Area residents define wealth as being able to afford whatever they want, having a lot of money and enjoying life Define Wealth Unaided Having material items/being able to afford anything Having money/lots of money Being comfortable/enjoying life Peace of mind/living stress free Relationships/family/friends/love Freedom/independence Security/stability Happiness/being happy Being healthy Other 32% 28% 25% 19% 12% 9% 9% 5% 4% 4% Q26 Please complete the following sentence: To me, wealth means (Base: = 775) 3

4 Bay Area residents lean toward definitions of wealth that money can t buy Self Description of Wealth or Having more money than most people I know 13% 87% Not having to stress over money Being able to buy whatever I want now 18% 82% Not having to worry about the future Having an important job title 21% 79% Having a healthy work/life balance Leaving an inheritance for my family 27% 73% Spending time with my family now Having a lot of money 37% 63% Having good physical health Making lots of money 45% 57% Being with friends Having money 46% 52% Having gratitude Working on my career 46% 51% Building my community Being able to donate my money to a cause I care about 60% 42% Being able to donate my time to a cause I care about Q27 For each pair of statements, please slide the indicator toward the statement that better describes you. To me, having wealth means (Base: = 775) 4

5 Bay Area residents say it takes an average of $4M to be considered wealthy in their area Net Worth Needed to be Financially Comfortable $1.1M In the Bay Area Average Net Worth Needed to be Wealthy $4.2M In the Bay Area Average Q3 At what level of personal net worth would you say a person in your area could be considered financially comfortable? Q4 At what level of personal net worth would you say a person in your area could be considered wealthy (Base: = 775) 5

6 About the Modern Wealth Index The Modern Wealth Index tracks how well Americans across the wealth spectrum are planning, managing and engaging with their wealth. Developed in partnership with Koski Research and the Schwab Center for Financial Research, the Modern Wealth Index is based on Schwab s Investing Principles and composed of 60 financial behaviors and attitudes each assigned a varying amount of points depending on their importance. The Index broadly assesses Americans across four factors: 1) Goal setting and financial planning 2) Saving and investing 3) Staying on track 4) Confidence in reaching financial goals Based on the total number of points received, respondents were indexed on a scale for each of the four factors and an overall score. 6

7 Bay Area residents score highest on having confidence in reaching their financial goals Modern Wealth Index Score Average Modern Wealth Index score 50 Goal setting and financial planning 41 Saving and investing 55 Staying on track 27 Confidence in reaching financial goals 59 The Index broadly assesses Americans across four factors: 1) goal setting and financial planning, 2) saving and investing, 3) staying on track, and 4) confidence in reaching financial goals. Based on the total number of points received, respondents were indexed on a scale for each of the four factors and an overall score. 7

8 Nearly two-thirds of Bay Area residents have a financial plan; less than a quarter have plans in writing Have Financial Plan Yes (NET) 65% 77% 60% 55% Yes, and it is in writing 22% 28% 20% 18% Yes, but not in written form 43% 49% 40% 37% No, do not have a financial plan 35% 23% 40% 45% Millennials Gen X Boomers Q10 Do you currently have a financial plan? N=775 N=296 N=234 N=220 8

9 Three in five Bay Area residents are confident in their ability to reach their main financial goals Confidence in Ability to Achieve Main Financial Goals Very/somewhat confident (NET) Very confident 61% 84% 54% 57% 72% 49% 20% 45% 12% 29% 14% 13% Somewhat confident 41% 42% 43% 36% 43% Not very confident 28% 39% 33% 33% 31% Not at all confident 11% (N=775) 11% 5% Have Written Financial Plan (N=173) 13% Doesn t have Written Financial Plan (N=601) 23% 5% Millennials (N=296) 10% Gen X (N=234) 20% Boomers (N=220) Q7 How confident do you feel that you will be able to reach your main financial goals? 9

10 Disclosures Through its operating subsidiaries, The Corporation (NYSE: SCHW) provides a full range of securities brokerage, banking, money management and financial advisory services to individual investors and independent investment advisors. Its brokerdealer subsidiary, & Co., Inc. (member SIPC, and affiliates offer a complete range of investment services and products including an extensive selection of mutual funds; financial planning and investment advice; retirement plan and equity compensation plan services; compliance and trade monitoring solutions; referrals to independent fee-based investment advisors; and custodial, operational and trading support for independent, fee-based investment advisors through Schwab Advisor Services. Its banking subsidiary, Bank (member FDIC and an Equal Housing Lender), provides banking and lending services and products. Koski Research is not affiliated with the Corporation or its affiliates. More information is available at and Investment Products: Not FDIC Insured No Bank Guarantee May Lose Value. (1017-7G35) 10

11 Thank you

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