BHPS Documentation and Questionnaires

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jf152

Income: trade union payments

Record Type

Questionnaire

Individual (83)

Question Number and Text

JF152 : Have you yourself or jointly with others since 1.9.99 received Trade Union/Friendly Society payments?

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	15062	96.5	99.9
T U/friendly soc pay	52	19	.1	.1
Proxy respondent	-7	522	3.3	Missing

Valid cases	15081	Missing cases	522

Question Route

ALL RESPONDENTS

Index Terms

Trade Unions and Union Membership

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jf153

Income: maintenance or alimony

Record Type

Questionnaire

Individual (83)

Question Number and Text

JF153 : Have you yourself or jointly with others since 1.9.99 received Maintenance or Alimony?

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	14815	94.9	98.2
Maint or alimony	53	266	1.7	1.8
Proxy respondent	-7	522	3.3	Missing

Valid cases	15081	Missing cases	522

Question Route

ALL RESPONDENTS

Index Terms

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jf154

Income: payments from relations

Record Type

Questionnaire

Individual (83)

Question Number and Text

JF154 : Have you yourself or jointly with others since 1.9.99 received Payments from a family member not living here?

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	14846	95.1	98.4
Payment abs relative	54	235	1.5	1.6
Proxy respondent	-7	522	3.3	Missing

Valid cases	15081	Missing cases	522

Question Route

ALL RESPONDENTS

Index Terms

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jf155

Income: rent from lodgers

Record Type

Questionnaire

Individual (83)

Question Number and Text

JF155 : Have you yourself or jointly with others since 1.9.99 received Rent from Boarders or lodgers (not family members living here with you)?

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	15007	96.2	99.5
Rent/boarders/lodger	55	74	.5	.5
Proxy respondent	-7	522	3.3	Missing

Valid cases	15081	Missing cases	522

Question Route

ALL RESPONDENTS

Index Terms

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jf156

Income: rent from other property

Record Type

Questionnaire

Individual (83)

Question Number and Text

JF156 : Have you yourself or jointly with others since 1.9.99 received Rent from any other property?

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	14823	95.0	98.3
Rent other prop	56	258	1.7	1.7
Proxy respondent	-7	522	3.3	Missing

Valid cases	15081	Missing cases	522

Question Route

ALL RESPONDENTS

Index Terms

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jf157

Income: foster allowance

Record Type

Questionnaire

Individual (83)

Question Number and Text

JF157 : Have you yourself or jointly with others since 1.9.99 received Foster allowance?

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	15064	96.5	99.9
Foster allowance	57	17	.1	.1
Proxy respondent	-7	522	3.3	Missing

Valid cases	15081	Missing cases	522

Question Route

ALL RESPONDENTS

Index Terms

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jf158

Income: sickness or accident insurance

Record Type

Questionnaire

Individual (83)

Question Number and Text

JF158 : Have you yourself or jointly with others since 1.9.99 received Sickness or accident insurance?

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	15021	96.3	99.6
Sick/acci insurance	58	60	.4	.4
Proxy respondent	-7	522	3.3	Missing

Valid cases	15081	Missing cases	522

Question Route

ALL RESPONDENTS

Index Terms

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jf159

Income: any other payment

Record Type

Questionnaire

Individual (83)

Question Number and Text

JF159 : Have you yourself or jointly with others since 1.9.99 received Any other regular payment?

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	14955	95.8	99.2
Any other payment	59	126	.8	.8
Proxy respondent	-7	522	3.3	Missing

Valid cases	15081	Missing cases	522

Question Route

ALL RESPONDENTS

Index Terms

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jnf1

Income: total number of cited sources

Record Type

Questionnaire

Individual (84)

Question Number and Text

JF2 : Interviewer check How many sources of income in total were recorded above?

Value Label	Value	Frequency	%	Valid %
	0	6227	39.9	41.3
	1	3806	24.4	25.2
	2	2387	15.3	15.8
	3	1343	8.6	8.9
	4	779	5.0	5.2
	5	367	2.4	2.4
	6	125	.8	.8
	7	29	.2	.2
	8	12	.1	.1
	9	3	.0	.0
Proxy respondent	-7	522	3.3	Missing
Refused	-2	3	.0	Missing

Valid cases	15078	Missing cases	525

Question Route

ALL RESPONDENTS

Index Terms

Incomes

Note

See usage notes in Vol. A.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jfisit

Financial situation

Record Type

Questionnaire

Individual (89)

Question Number and Text

JF4 : How well would you say you yourself are managing financially these days? Would you say you are (READ OUT)

Value Label	Value	Frequency	%	Valid %
Living comfortably	1	4192	26.9	27.8
Doing alright	2	5478	35.1	36.4
Just abt getting by	3	4110	26.3	27.3
Finding it quite dif	4	927	5.9	6.2
Finding it very diff	5	353	2.3	2.3
Missing or wild	-9	1	.0	Missing
Proxy respondent	-7	522	3.3	Missing
Don’t know	-1	20	.1	Missing

Valid cases	15060	Missing cases	543

Question Route

ALL RESPONDENTS

Index Terms

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jfisitc

Change in financial position last year

Record Type

Questionnaire

Individual (89)

Question Number and Text

JF5 : Would you say that you yourself are better off or worse off financially than you were a year ago?

Value Label	Value	Frequency	%	Valid %
Better off	1	4527	29.0	30.1
Worse off	2	3183	20.4	21.2
About same	3	7325	46.9	48.7
Missing or wild	-9	1	.0	Missing
Proxy respondent	-7	522	3.3	Missing
Don’t know	-1	45	.3	Missing

Valid cases	15035	Missing cases	568

Question Route

ALL RESPONDENTS

Index Terms

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jfisity

Why financial situation changed

Record Type

Questionnaire

Individual (89)

Question Number and Text

JF6 : Why is that? (financially better or worse off)

Value Label	Value	Frequency	%	Valid %
missing or wild	-9	53	0.34	Missing
inapplicable	-8	7370	47.23	Missing
proxy and/or phone	-7	522	3.35	Missing
refused	-2	1	0.01	Missing
Earnings increased	1	2655	17.02	34.67
Benefits increased	2	369	2.36	4.82
Invest’t income inc	3	117	0.75	1.53
Less expenses	4	627	4.02	8.19
Windfall payment	5	130	0.83	1.7
Earnings decreased	11	974	6.24	12.72
Benefits reduced	12	94	0.60	1.23
Invest’t income dec	13	45	0.29	0.59
More expenses	14	1616	10.36	21.1
One off expenditure	15	25	0.16	0.33
Earn more:more expens	22	21	0.13	0.27
Earn more:less benft	23	4	0.03	0.05
More benft:more expens	24	20	0.13	0.26
Less svgs:same std livg	25	42	0.27	0.55
Good management	26	234	1.50	3.06
No change income/expens	27	1	0.01	0.01
Better off:other reason	31	358	2.29	4.68
Worse off:other reason	32	323	2.07	4.22
Other	96	2	0.01	0.03
Total		15603	100.00

Valid cases	7657	Missing cases	7946

Question Route

IF (JFISITC = 1-2) Asked if R is better off or worse off financially than a year ago

Index Terms

Note

Office coded from verbatim responses.

Variable Occurrence

W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jfisitx

Financial expectations for year ahead

Record Type

Questionnaire

Individual (89)

Question Number and Text

JF7 : Looking ahead, how do you think you will be financially a year from now, will you be (READ OUT)

Value Label	Value	Frequency	%	Valid %
Better than now	1	4494	28.8	31.1
Worse than now	2	1228	7.9	8.5
About the same	3	8751	56.1	60.5
Missing or wild	-9	1	.0	Missing
Proxy respondent	-7	522	3.3	Missing
Don’t know	-1	607	3.9	Missing

Valid cases	14473	Missing cases	1130

Question Route

ALL RESPONDENTS

Index Terms

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jfiyrdia

Amount received in interest/dividends

Record Type

Questionnaire

Individual (90)

Question Number and Text

JF9 : In the past 12 months how much have you received in the way of dividends or interest from any savings and investments you may have?

Mean	Std Dev	Minimum	Maximum
267.17	1613.40	0	55000

Value Label	Value	Frequency	%	Valid %
Nothing	0	8555	54.8	68.9
Amount stated	1	3861	24.7	31.1
Missing	-9	2	.0	Missing
Proxy Respondent	-7	522	3.3	Missing
Refused	-2	609	3.9	Missing
Don’t know	-1	2054	13.2	Missing

Valid cases	12416	Missing cases	3187

Question Route

ALL RESPONDENTS

Index Terms

Variable Occurrence

jfiyrdb1

Over 500 in interest/dividends

Record Type

Questionnaire

Individual (90)

Question Number and Text

JF10A : Would it amount to 500 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	545	3.5	31.9
No	2	1165	7.5	68.1
Missing	-9	2	.0	Missing
Not applicable	-8	13025	83.5	Missing
Proxy Respondent	-7	522	3.3	Missing
Refused	-2	24	.2	Missing
Don’t know	-1	320	2.1	Missing

Valid cases	1710	Missing cases	13893

Question Route

IF (JFIYRDIA = -1) Asked if R has received dividends or interest from savings or investments but does not know how much

Index Terms

Variable Occurrence

jfiyrdb2

Over 1000 in interest/dividends

Record Type

Questionnaire

Individual (90)

Question Number and Text

JF10B : Would it amount to 1,000 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	252	1.6	52.5
No	2	228	1.5	47.5
Missing	-9	2	.0	Missing
Not applicable	-8	14534	93.1	Missing
Proxy Respondent	-7	522	3.3	Missing
Refused	-2	2	.0	Missing
Don’t know	-1	63	.4	Missing

Valid cases	480	Missing cases	15123

Question Route

IF (JFIYRDIA = -1 AND JFIYRDB1 = 1) Asked if R has received dividends or interest from savings or investments but does not know how much but it is more than 500 pounds

Index Terms

Variable Occurrence

jfiyrdb3

Over 5000 in interest/dividends

Record Type

Questionnaire

Individual (90)

Question Number and Text

JF10C : Would it amount to 5,000 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	70	.4	30.7
No	2	158	1.0	69.3
Missing	-9	2	.0	Missing
Not applicable	-8	14827	95.0	Missing
Proxy Respondent	-7	522	3.3	Missing
Refused	-2	2	.0	Missing
Don’t know	-1	22	.1	Missing

Valid cases	228	Missing cases	15375

Question Route

IF (JFIYRDIA = -1 AND JFIYRDB1 = 1 AND JFIYRDB2 = 1) Asked if R has received dividends or interest from savings or investments but does not know how much but it is more than 1000 pounds

Index Terms

Variable Occurrence

jfiyrdb4

Over 2500 in interest/dividends

Record Type

Questionnaire

Individual (90)

Question Number and Text

JF10D : Would it amount to 2,500 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	65	.4	45.1
No	2	79	.5	54.9
Missing	-9	2	.0	Missing
Not applicable	-8	14899	95.5	Missing
Proxy Respondent	-7	522	3.3	Missing
Don’t know	-1	36	.2	Missing

Valid cases	144	Missing cases	15459

Question Route

IF (JFIYRDIA = -1 AND JFIYRDB1 = 1 AND JFIYRDB2 = 2 AND JFIYRDB3 = 2 OR -1) Asked if R has received dividends or interest from savings or investments but does not know how much but it is more than 1000 but less than 5000 pounds

Index Terms

Variable Occurrence

jfiyrdb5

Over 10000 in interest/dividends

Record Type

Questionnaire

Individual (90)

Question Number and Text

JF10E : Would it amount to 10,000 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	20	.1	30.3
No	2	46	.3	69.7
Missing	-9	2	.0	Missing
Not applicable	-8	15009	96.2	Missing
Proxy Respondent	-7	522	3.3	Missing
Don’t know	-1	4	.0	Missing

Valid cases	66	Missing cases	15537

Question Route

IF (JFIYRDIA = -1 AND JFIYRDB1 = 1 AND JFIYRDB2 = 1 AND JFIYRDB3 = 1) Asked if R has received dividends or interest from savings or investments but does not know how much but it is more than 5000 pounds

Index Terms

Variable Occurrence

jfiyrdb6

Over 100 in interest/dividends

Record Type

Questionnaire

Individual (90)

Question Number and Text

JF10F : Would it amount to 100 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	657	4.2	57.2
No	2	491	3.1	42.8
Missing	-9	2	.0	Missing
Not applicable	-8	13594	87.1	Missing
Proxy Respondent	-7	522	3.3	Missing
Refused	-2	3	.0	Missing
Don’t know	-1	334	2.1	Missing

Valid cases	1148	Missing cases	14455

Question Route

IF (JFIYRDIA = -1 AND JFIYRDB1 = 2 OR -1) Asked if R has received dividends or interest from savings or investments but does not know how much but it is less than 500 pounds

Index Terms

Variable Occurrence

jfccard

Have store or credit cards

Record Type

Financial Management: Credit and Debt

Questionnaire

Individual (89)

Question Number and Text

JF8 : Can I just check, do you have any store cards or credit cards such as Visa, Access or Mastercard either in your name or shared with someone else?

Value Label	Value	Frequency	%	Valid %
Yes	1	8293	53.2	55.2
No	2	6724	43.1	44.8
Missing or wild	-9	2	.0	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	45	.3	Missing
Don’t know	-1	17	.1	Missing

Valid cases	15017	Missing cases	586

Question Route

ALL RESPONDENTS

Index Terms

Variable Occurrence

jsave

Saves from current income

Record Type

Questionnaire

Individual (91)

Question Number and Text

JF11 : Do you save any amount of your income for example by putting something away now and then in a bank, building society, or Post Office account other than to meet regular bills? Please include share purchase schemes ISA’s and Tessa accounts.

Value Label	Value	Frequency	%	Valid %
Yes	1	6224	39.9	41.8
No	2	8651	55.4	58.2
Missing or wild	-9	1	.0	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	205	1.3	Missing

Valid cases	14875	Missing cases	728

Question Route

ALL RESPONDENTS

Index Terms

Note

Explicitly excludes money put by to pay bills, but includes saving for holidays and PEPs and life insurance. Includes Tax Exempt Special Savings Accounts (TESSAs).

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jsaved

Amount saved each month

Record Type

Questionnaire

Individual (91)

Question Number and Text

JF12 : About how much on average do you personally manage to save a month?

Mean	Std Dev	Minimum	Maximum
146.23	229.14	1	5000

Value Label	Value	Frequency	%	Valid %
Amount stated	1	5415	34.7	100.0
Inapplicable	-8	8857	56.8	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	8	.1	Missing
Don’t know	-1	801	5.1	Missing

Valid cases	5415	Missing cases	10188

Question Route

IF (JSAVE = 1) Asked if R saves some of income

Index Terms

Note

Amount saved by R alone.

Variable Occurrence

W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jsavey1

First reason for saving

Record Type

Questionnaire

Individual (91)

Question Number and Text

JF12M1 : What are you saving for? 1st mention

Value Label	Value	Frequency	%	Valid %
Holidays	1	1398	9.0	23.1
Old age	2	518	3.3	8.6
Car	3	203	1.3	3.4
Children	4	215	1.4	3.6
House purchase	5	297	1.9	4.9
Home improv	6	205	1.3	3.4
HH bills	7	80	.5	1.3
Special evnts	8	346	2.2	5.7
No spec reason	9	2388	15.3	39.5
Share schemes	10	21	.1	.3
Own education	11	60	.4	1.0
Grandchild	12	32	.2	.5
Other	96	281	1.8	4.6
Missing or wild	-9	43	.3	Missing
Inapplicable	-8	8865	56.8	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	5	.0	Missing
Don’t know	-1	124	.8	Missing

Valid cases	6044	Missing cases	9559

Question Route

IF (JSAVE = 1 AND JSAVED GE -1) Asked if R saves some of income and specifies or does not know amount saved per month

Index Terms

Note

Office coded from verbatim responses. At Wave 1 and 2 only one response was coded : wSAVEY.

Variable Occurrence

W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jsavey2

Second reason for saving

Record Type

Questionnaire

Individual (91)

Question Number and Text

JF12M2 : What are you saving for? 2nd mention

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	5214	33.4	84.4
Holidays	1	219	1.4	3.5
Old age	2	45	.3	.7
Car	3	88	.6	1.4
Children	4	53	.3	.9
House purchase	5	34	.2	.6
Home improv	6	100	.6	1.6
HH bills	7	26	.2	.4
Special evnts	8	93	.6	1.5
No spec reason	9	196	1.3	3.2
Share schemes	10	2	.0	.0
Own education	11	12	.1	.2
Grandchild	12	8	.1	.1
Other	96	85	.5	1.4
Missing or wild	-9	48	.3	Missing
Inapplicable	-8	8857	56.8	Missing
Proxy respondent	-7	522	3.3	Missing
Don’t know	-1	1	.0	Missing

Valid cases	6175	Missing cases	9428

Question Route

IF (JSAVE = 1 AND JSAVED GE -1) Asked if R saves some of income and specifies or does not know amount saved per month

Index Terms

Note

See note for JSAVEY1.

Variable Occurrence

W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jsavreg

Saves on a regular basis

Record Type

Questionnaire

Individual (91)

Question Number and Text

JF13 : Do you save on a regular basis of just from time to time when you can?

Value Label	Value	Frequency	%	Valid %
Regular basis	1	4418	28.3	71.3
From time to time	2	1770	11.3	28.5
Other	3	12	.1	.2
Not applicable	-8	8865	56.8	Missing
Proxy respondent	-7	522	3.3	Missing
Don’t know	-1	16	.1	Missing

Valid cases	6200	Missing cases	9403

Question Route

IF (JSAVE = 1 AND JSAVED GE -1) Asked if R saves some of income and specifies or does not know amount saved per month

Index Terms

Variable Occurrence

W10 W11 W12 W13 W14 W15 W16 W17 W18

jsavlt

Savings mainly long or short term

Record Type

Questionnaire

Individual (91)

Question Number and Text

JF14 : Would you say your savings are mainly long term savings for the future or mainly short term savings for things you need now and for unexpected events?

Value Label	Value	Frequency	%	Valid %
Mainly long term	1	2325	14.9	37.7
Mainly short term	2	2343	15.0	38.0
Both equally	3	1491	9.6	24.2
Not applicable	-8	8865	56.8	Missing
Proxy respondent	-7	522	3.3	Missing
Don’t know	-1	57	.4	Missing

Valid cases	6159	Missing cases	9444

Question Route

IF (JSAVE = 1 AND JSAVED GE -1) Asked if R saves some of income and specifies or does not know amount saved per month

Index Terms

Variable Occurrence

W10 W11 W12 W13 W14 W15 W16 W17 W18

jnvestnn

No savings

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15NONE : Please look at this card and tell me which types of savings accounts or investments you have, if any. They can be in your name only or held jointly with someone else.

Value Label	Value	Frequency	%	Valid %
None	0	3951	25.3	100.0
Missing	-9	11	.1	Missing
Not applicable	-8	10985	70.4	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	55	.4	Missing
Don’t know	-1	79	.5	Missing

Valid cases	3951	Missing cases	11652

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income

Index Terms

Variable Occurrence

jnvesth

Money in savings or deposit account

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15H : Which ones? Savings or deposit account (with a bank, post office or building society)

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	5726	36.7	38.9
Savings or deposits	1	8996	57.7	61.1
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, and has savings or investments listed on card F5

Index Terms

Variable Occurrence

jnvesti

Money in National Savings Bank

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15I : Which ones? National Savings Bank (Post Office)

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	13899	89.1	94.4
Nat.Savings Bank	1	823	5.3	5.6
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

Index Terms

Variable Occurrence

jnvestj

Money in TESSA or ISA account

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15J : Which ones? TESSA or ISA

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	11246	72.1	76.4
TESSA or ISA	1	3476	22.3	23.6
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

IF (JNVESTNN = -8) Asked if R has savings or investments listed on card F5

Index Terms

Note

Although it has the same name, this variable is not the same as the one at Wave 5. Care should be taken when doing cross-wave comparisons.

Variable Occurrence

jnvesta

Money in national savings certificates

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15A : Which ones? National Savings Certificate

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	14401	92.3	97.8
Nat. Savings Cert.	1	321	2.1	2.2
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

Index Terms

Variable Occurrence

jnvestb

Money in premium bonds

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15B : Which ones? Premium Bonds

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	12364	79.2	84.0
Premium bonds	1	2358	15.1	16.0
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

Index Terms

Variable Occurrence

jnvestc

Money in unit trusts

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15C : Which ones? Unit Trusts

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	13759	88.2	93.5
Unit trusts	1	963	6.2	6.5
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

Index Terms

Variable Occurrence

jnvestd

Money in personal equity plans

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15D : Which ones? Personal Equity Plans

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	13291	85.2	90.3
PEPs	1	1431	9.2	9.7
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

Index Terms

Variable Occurrence

jnveste

Money in shares (UK or foreign)

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15E : Which ones? Shares (UK or foreign)

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	12014	77.0	81.6
Shares	1	2708	17.4	18.4
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

Index Terms

Variable Occurrence

jnvestf

Money in NS/BS insurance bonds

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15F : Which ones? National Savings/Building Society/Insurance Bonds

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	14450	92.6	98.2
NS BS Ins bonds	1	272	1.7	1.8
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

Index Terms

Variable Occurrence

jnvestg

Money in other investments / securities

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15G : Which ones? Other investments, government or company securities

Value Label	Value	Frequency	%	Valid %
Not mentioned	0	14197	91.0	96.4
Other Invest Secur	1	525	3.4	3.6
Missing	-9	11	.1	Missing
Not applicable	-8	348	2.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	14722	Missing cases	881

Question Route

Index Terms

Variable Occurrence

jsvac

IC: F15 = 1 TO 3 – Savings accounts

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15A : Interviewer Check

Value Label	Value	Frequency	%	Valid %
Yes	1	9938	63.7	92.2
No	2	844	5.4	7.8
Not applicable	-8	4299	27.6	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	10782	Missing cases	4821

Question Route

Index Terms

Variable Occurrence

W10

jnvest

IC: F15 = 4 TO 10 – Investments

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF15B : Interviewer Check

Value Label	Value	Frequency	%	Valid %
Yes	1	833	5.3	98.7
No	2	11	.1	1.3
Not applicable	-8	14237	91.2	Missing
Proxy respondent	-7	522	3.3	Missing

Valid cases	844	Missing cases	14759

Question Route

Index Terms

Variable Occurrence

W5 W10

jsvack

Total value in savings accounts

Record Type

Questionnaire

Individual (92)

Question Number and Text

JF16 : Thinking first about your savings accounts, TESSA or ISA, about you much do you currently have in total in these accounts?

Value Label	Value	Frequency	%	Valid %
Amount given	1	7356	47.1	100.0
Missing	-9	5	.0	Missing
Not applicable	-8	5143	33.0	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	1106	7.1	Missing
Don’t know	-1	1471	9.4	Missing

Valid cases	7356	Missing cases	8247

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JSVAC = 1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, and has savings listed on card F5

Index Terms

Variable Occurrence

jsvackb1

Over 1000 in savings accounts

Record Type

Questionnaire

Individual (93)

Question Number and Text

JF17A : Would it amount to 1,000 pounds or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	765	4.9	60.8
No	2	494	3.2	39.2
Missing	-9	5	.0	Missing
Not applicable	-8	13605	87.2	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	16	.1	Missing
Don’t know	-1	196	1.3	Missing

Valid cases	1259	Missing cases	14344

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JSVAC = 1 AND JSVACK = -1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, and has savings listed on card F5 but does not know how much

Index Terms

Variable Occurrence

jsvackb2

Over 5000 in savings accounts

Record Type

Questionnaire

Individual (93)

Question Number and Text

JF17B : Would it amount to 5,000 pounds or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	364	2.3	51.0
No	2	350	2.2	49.0
Not applicable	-8	14316	91.8	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	1	.0	Missing
Don’t know	-1	50	.3	Missing

Valid cases	714	Missing cases	14889

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JSVAC = 1 AND JSVACK = -1 AND JSVACKB1 = 1) Asked if R saves some of income and specifies or does not save any income, and has savings listed on card F5 and know how much but it is more than 1000

Index Terms

Variable Occurrence

jsvackb3

Over 10,000 in savings accounts

Record Type

Questionnaire

Individual (93)

Question Number and Text

JF17C : Would it amount to 10,000 pounds or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	180	1.2	54.1
No	2	153	1.0	45.9
Not applicable	-8	14717	94.3	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	1	.0	Missing
Don’t know	-1	30	.2	Missing

Valid cases	333	Missing cases	15270

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JSVAC = 1 AND JSVACK = -1 AND JSVACKB1 = 1 AND JSVACK2 = 1) Asked if R saves some of income and specifies or does not save any income, and has savings listed on card F5 and does not know how much but it is more than 5000

Index Terms

Variable Occurrence

jsvackb4

Over 500 in savings accounts

Record Type

Questionnaire

Individual (93)

Question Number and Text

JF17D : Would it amount to 500 pounds or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	211	1.4	43.1
No	2	278	1.8	56.9
Not applicable	-8	14391	92.2	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	5	.0	Missing
Don’t know	-1	196	1.3	Missing

Valid cases	489	Missing cases	15114

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JSVAC = 1 AND JSVACK = -1 AND JSVACKB1 = 2 OR -1) Asked if R saves some of income and specifies or does not save any income, and has savings listed on card F5 and does not know how much but it is less or may be less than 1000

Index Terms

Variable Occurrence

jsvacsj

Savings accounts sole/joint

Record Type

Questionnaire

Individual (93)

Question Number and Text

JF18 : Are these savings in your name sole only, jointly held with someone else, or do you have both sole and jointly held accounts?

Value Label	Value	Frequency	%	Valid %
Sole only	1	6346	40.7	72.2
Joint only	2	1901	12.2	21.6
Both sole and joint	3	547	3.5	6.2
Missing	-9	1	.0	Missing
Not applicable	-8	6277	40.2	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	9	.1	Missing

Valid cases	8794	Missing cases	6809

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JSVAC = 1 AND JSVACK GE -1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, and has savings listed on card F5 and has specified or does not know how much

Index Terms

Variable Occurrence

jsvacsk

Amount of savings in sole name

Record Type

Questionnaire

Individual (93)

Question Number and Text

JF19 : About how much of the amounts you have in savings is held in your sole name?

Value Label	Value	Frequency	%	Valid %
Amount given	1	471	3.0	100.0
Not applicable	-8	14534	93.1	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	7	.0	Missing
Don’t know	-1	69	.4	Missing

Valid cases	471	Missing cases	15132

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JSVAC = 1 AND JSVACK GE -1 AND JSVACSJ = 3) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, and has savings listed on card F5 and has specified or does not know how much and savings are in both sole and joint accounts

Index Terms

Variable Occurrence

jsvacsp

Percentage share of total savings

Record Type

Questionnaire

Individual (94)

Question Number and Text

JF20 : Can you tell me approximately what your personal share of the total amount you have in savings is?

Value Label	Value	Frequency	%	Valid %
Amount given	1	14	.1	100.0
Missing	-9	2	.0	Missing
Not applicable	-8	15012	96.2	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	26	.2	Missing
Don’t know	-1	27	.2	Missing

Valid cases	14	Missing cases	15589

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JSVAC = 1 AND JSVACK GE -1 AND JSVACSJ = 3 AND JSVACKSK = -1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, and has savings listed on card F5 and has specified or does not know how much and savings are in both sole and joint accounts but does not know how much is held in sole name.

Index Terms

Variable Occurrence

jnvestk

Amount held in investments

Record Type

Questionnaire

Individual (94)

Question Number and Text

JF21 : Thinking of all your investments, about how much do you have invested in total?

Value Label	Value	Frequency	%	Valid %
Amount given	1	3577	22.9	100.0
Not applicable	-8	10384	66.6	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	76	.5	Missing
Don’t know	-1	1044	6.7	Missing

Valid cases	3577	Missing cases	12026

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JNVEST = 1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, has investments listed on card F5

Index Terms

Note

If a range was given lowest figure was entered.

Variable Occurrence

jnvestc1

Investments amount to 5000 or more

Record Type

Questionnaire

Individual (94)

Question Number and Text

JF22A : Would it amount to 5,000 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	305	2.0	35.4
No	2	557	3.6	64.6
Not applicable	-8	14037	90.0	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	6	.0	Missing
Don’t know	-1	176	1.1	Missing

Valid cases	862	Missing cases	14741

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JNVEST = 1 AND JNVESTK = -1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, has investments listed on card F5 and does not know their value

Index Terms

Variable Occurrence

jnvestc2

Investments amount to 15000 or more

Record Type

Questionnaire

Individual (94)

Question Number and Text

JF22B : Would it amount to 15,000 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	121	.8	44.2
No	2	153	1.0	55.8
Not applicable	-8	14776	94.7	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	2	.0	Missing
Don’t know	-1	29	.2	Missing

Valid cases	274	Missing cases	15329

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JNVEST = 1 AND JNVESTK = -1 AND JNVESTC1 = 1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, has investments listed on card F5 and does not know their value but it is more than 5,000

Index Terms

Variable Occurrence

jnvestc3

Investments amount to 50000 or more

Record Type

Questionnaire

Individual (94)

Question Number and Text

JF22C : Would it amount to 50,000 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	30	.2	27.3
No	2	80	.5	72.7
Not applicable	-8	14960	95.9	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	2	.0	Missing
Don’t know	-1	9	.1	Missing

Valid cases	110	Missing cases	15493

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JNVEST = 1 AND JNVESTK = -1 AND JNVESTC1 = 1 AND JNVESTC2 = 1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, has investments listed on card F5 and does not know their value but it is more than 50,000

Index Terms

Variable Occurrence

jnvestc4

Investments amount to 1000 or more

Record Type

Questionnaire

Individual (94)

Question Number and Text

JF22D : Would it amount to 1,000 or more?

Value Label	Value	Frequency	%	Valid %
Yes	1	287	1.8	52.3
No	2	262	1.7	47.7
Not applicable	-8	14348	92.0	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	1	.0	Missing
Don’t know	-1	183	1.2	Missing

Valid cases	549	Missing cases	15054

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JNVEST = 1 AND JNVESTK = -1 AND JNVESTC1 = 2 or -1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, has investments listed on card F5 and does not know their value but it is or maybe less than 5,000

Index Terms

Variable Occurrence

jnvestsj

Investments in sole name or jointly held

Record Type

Questionnaire

Individual (95)

Question Number and Text

JF23 : Are these investments in your sole name only, jointly held with someone else, or do you have both sole and jointly held investments?

Value Label	Value	Frequency	%	Valid %
Sole only	1	3823	24.5	83.0
Joint only	2	543	3.5	11.8
Both sole and joint	3	240	1.5	5.2
Not applicable	-8	10471	67.1	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	4	.0	Missing

Valid cases	4606	Missing cases	10997

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JNVEST = 1 AND JNVESTK GE -1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, and has investments listed on card F5 and has specified or does not know how much

Index Terms

Variable Occurrence

jnvestsk

Amnt. investments held in sole name

Record Type

Questionnaire

Individual (95)

Question Number and Text

JF24 : About how much of amount you have in investments is held in your sole name?

Value Label	Value	Frequency	%	Valid %
Amount given	1	183	1.2	100.0
Not applicable	-8	14841	95.1	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	2	.0	Missing
Don’t know	-1	55	.4	Missing

Valid cases	183	Missing cases	15420

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JNVEST = 1 AND JNVESTK GE -1 AND JNVESTSJ = 3) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, and has investments listed on card F5 and has specified or does not know how much and investments are in both sole and joint accounts

Index Terms

Variable Occurrence

jnvestsp

Percentage share of total investments

Record Type

Questionnaire

Individual (95)

Question Number and Text

JF25 : Can you tell me approximately what your personal share of the total amount you have invested is?

Value Label	Value	Frequency	%	Valid %
Amount given	1	6	.0	100.0
Not applicable	-8	15026	96.3	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	20	.1	Missing
Don’t know	-1	29	.2	Missing

Valid cases	6	Missing cases	15597

Question Route

IF ((JSAVE = 1 AND JSAVED GE -1) OR JSAVE = 2 AND JNVESTNN = -8 AND JNVEST = 1 AND JNVESTK GE -1 AND JNVESTSJ = 3 AND JNVESTSK = -1) Asked if R saves some of income and specifies or does not know amount saved per month, or if R does not save any income, and has investments listed on card F5 and has specified or does not know how much and investments are in both sole and joint accounts but does not know how much is held in sole name.

Index Terms

Variable Occurrence

jpppen

Paid into private personal pension

Record Type

Questionnaire

Individual (95)

Question Number and Text

JF26 : I’d like to ask you now about private personal pensions, that is a pension that you yourself have taken out on your own behalf. In the past year, that is since September 1st 1999 have you paid any contributions or premiums for a private personal pension, or had such contributions paid on your behalf by the Department of Social Security?

Value Label	Value	Frequency	%	Valid %
missing or wild	-9	36	0.23	Missing
proxy and/or phone	-7	522	3.35	Missing
Yes	1	1756	11.25	11.67
No	2	13289	85.17	88.33
Total		15603	100.00

Valid cases	15045	Missing cases	558

Question Route

ALL RESPONDENTS

Index Terms

Variable Occurrence

W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jpenb4

Personal pension started before 1.7.88

Record Type

Questionnaire

Individual (95)

Question Number and Text

JF27 : Was your policy taken out before July 1st 1988 or since then?

Value Label	Value	Frequency	%	Valid %
missing or wild	-9	10	0.06	Missing
inapplicable	-8	13325	85.40	Missing
proxy and/or phone	-7	522	3.35	Missing
Before 1.7.88	1	482	3.09	27.61
1.7.88 or since	2	1220	7.82	69.87
Before and after	3	44	0.28	2.52
Total		15603	100.00

Valid cases	1746	Missing cases	13857

Question Route

IF (JPPPEN = 1) Asked if R has since 1.9.99 paid into a private personal pension or had contributions paid on R’s behalf by the DSS

Index Terms

Note

1.7.88 was date on which the UK laws relating to personal pensions were changed.

Variable Occurrence

W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jpenb4y4

Year pre 1.7.88 pension started

Record Type

Questionnaire

Individual (96)

Question Number and Text

JF28 : What year did you first take out a policy?

Mean	Std Dev	Minimum	Maximum
1983.36	5.58	1935	1988

Value Label	Value	Frequency	%	Valid %
Amount stated	1	388	2.5	100.0
Inapplicable	-8	14599	93.6	Missing
Proxy respondent	-7	522	3.3	Missing
Don’t know	-1	94	.6	Missing

Valid cases	388	Missing cases	15215

Question Route

IF (JPPPEN = 1 AND JPENB4 = 1) Asked if R has since 1.9.99 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and the policy was taken out before 1.7.88

Index Terms

Note

See note for JPENB4.

Variable Occurrence

W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jpenb4v

Amount last payment to pre 1988 pension

Record Type

Questionnaire

Individual (96)

Question Number and Text

JF29 : How much was your last contribution or premium?

Mean	Std Dev	Minimum	Maximum
199.37	477.65	2	5000

Value Label	Value	Frequency	%	Valid %
Amount stated	1	398	2.6	100.0
Inapplicable	-8	14599	93.6	Missing
Proxy respondent	-7	522	3.3	Missing
Refused	-2	10	.1	Missing
Don’t know	-1	74	.5	Missing

Valid cases	398	Missing cases	15205

Question Route

IF (JPPPEN = 1 AND JPENB4 = 1) Asked if R has since 1.9.99 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and the policy was taken out before 1.7.88

Index Terms

Note

See note for JPENB4.

Variable Occurrence

W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

jpenb4w

Weeks covered pre 88 pension

Record Type

Questionnaire

Individual (96)

Question Number and Text

JF30 : How long did this cover?

Mean	Std Dev	Minimum	Maximum
7.27	11.47	1	52

Value Label	Value	Frequency	%	Valid %
Amount stated	1.00	394	2.5	100.0
Missing or wild	-9.00	1	.0	Missing
Inapplicable	-8.00	14683	94.1	Missing
Proxy respondent	-7.00	522	3.3	Missing
One off payment	-4.00	3	.0	Missing

Valid cases	394	Missing cases	15209

Question Route

IF (JPPPEN = 1 AND JPENB4 = 1) Asked if R has since 1.9.99 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and the policy was taken out before 1.7.88

Index Terms