BHPS Documentation and Questionnaires

kf126	Income: disablty living allowance (care)
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF126 : Have you yourself or jointly with others since 1.9.2000 received Disability Living Allowance/ Care Component
Value Label Value Frequency % Valid % Not mentioned 0 17436 92.4 96.5 Disab liv allw -care 26 630 3.3 3.5 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
Variable Occurrence	W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kf127	Income: disab living allowance(mobility)
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF127 : Have you yourself or jointly with others since 1.9.2000 received Disability Living Allowance/ Mobility Component
Value Label Value Frequency % Valid % Not mentioned 0 17454 92.5 96.6 Disab liv allw -mob 27 612 3.2 3.4 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
Variable Occurrence	W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kf128	Income: disability living allowance (dk)
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF128 : Have you yourself or jointly with others since 1.9.2000 received Disability Living Allowance/ Components not known
Value Label Value Frequency % Valid % Not mentioned 0 17890 94.8 99.0 Disab liv allw -dk 28 176 .9 1.0 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
Variable Occurrence	W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kf132	Income: income support (IS)
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF132 : Have you yourself or jointly with others since 1.9.2000 received Income Support?
Value Label Value Frequency % Valid % Not mentioned 0 16623 88.1 92.0 Income support (IS) 32 1443 7.6 8.0 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf142	Income: Job Seekers Allowance
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF142 : Have you yourself or jointly with others since 1.9.2000 received Job Seeker’s Allowance?
Value Label Value Frequency % Valid % Not mentioned 0 17613 93.4 97.5 Job Seeker’s Allowan 42 453 2.4 2.5 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
Note	A new benefit introduced in October 1997 to replace Unemployment Benefit (wF133). See usage notes in Vol. A.
Variable Occurrence	W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kf135	Income: child benefit
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF135 : Have you yourself or jointly with others since 1.9.2000 received Child Benefit?
Value Label Value Frequency % Valid % Not mentioned 0 14460 76.6 80.0 Child benefit 35 3606 19.1 20.0 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf136	Income: one parent benefit
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF136 : Have you yourself or jointly with others since 1.9.2000 received Child Benefit (Lone Parent)?
Value Label Value Frequency % Valid % Not mentioned 0 17630 93.4 97.6 One parent benefit 36 436 2.3 2.4 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf137	Income: Working family tax credit
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF137 : Have you yourself or jointly with others since 1.9.2000 received Working Family Tax Credit?
Value Label Value Frequency % Valid % Not mentioned 0 17290 91.6 95.7 Working fam tax cred 37 776 4.1 4.3 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf138	Income: maternity allowance
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF138 : Have you yourself or jointly with others since 1.9.2000 received Maternity allowance?
Value Label Value Frequency % Valid % Not mentioned 0 17939 95.1 99.3 Maternity allow 38 127 .7 .7 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf139	Income: housing benefit
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF139 : Have you yourself or jointly with others since 1.9.2000 received Housing Benefit/Rent rebate or allowance?
Value Label Value Frequency % Valid % Not mentioned 0 16549 87.7 91.6 Housing benefit 39 1517 8.0 8.4 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
	Housing: Allowances/Rebates
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

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kf140	Income: council tax benefit
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF140 : Have you yourself or jointly with others since 1.9.2000 received Council Tax Benefit?
Value Label Value Frequency % Valid % Not mentioned 0 16377 86.8 90.7 Comm charge bene 40 1689 9.0 9.3 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
Note	See usage notes in Vol. A. Changed from Community Charge Benefit to Council Tax Benefit at Wave 3.
Variable Occurrence	W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kf141	Income: other state benefit
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF141 : Have you yourself or jointly with others since 1.9.2000 received Any other state benefit?
Value Label Value Frequency % Valid % Not mentioned 0 17989 95.3 99.6 Other state bene 41 77 .4 .4 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf151	Income: educational grant
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF151 : Have you yourself or jointly with others since 1.9.2000 received Educational Grant (not Student Loan)?
Value Label Value Frequency % Valid % Not mentioned 0 17778 94.2 98.4 Educa grant 51 288 1.5 1.6 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Grants for Education
	Incomes: Benefits and Allowances and Pensions
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

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kf152	Income: trade union payments
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF152 : Have you yourself or jointly with others since 1.9.2000 received Trade Union/Friendly Society payments?
Value Label Value Frequency % Valid % Not mentioned 0 18042 95.6 99.9 T U/friendly soc pay 52 24 .1 .1 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
	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

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kf153	Income: maintenance or alimony
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF153 : Have you yourself or jointly with others since 1.9.2000 received Maintenance or Alimony?
Value Label Value Frequency % Valid % Not mentioned 0 17768 94.2 98.4 Maint or alimony 53 298 1.6 1.6 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf154	Income: payments from relations
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF154 : Have you yourself or jointly with others since 1.9.2000 received Payments from a family member not living here?
Value Label Value Frequency % Valid % Not mentioned 0 17822 94.5 98.6 Payment abs relative 54 244 1.3 1.4 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf155	Income: rent from lodgers
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF155 : Have you yourself or jointly with others since 1.9.2000 received Rent from Boarders or lodgers (not family members) living here with you?
Value Label Value Frequency % Valid % Not mentioned 0 17983 95.3 99.5 Rent/boarders/lodger 55 83 .4 .5 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Rents, Savings, Investments
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

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kf156	Income: rent from other property
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF156 : Have you yourself or jointly with others since 1.9.2000 received Rent from any other property?
Value Label Value Frequency % Valid % Not mentioned 0 17754 94.1 98.3 Rent other prop 56 312 1.7 1.7 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Rents, Savings, Investments
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

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kf157	Income: foster allowance
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF157 : Have you yourself or jointly with others since 1.9.2000 received Foster allowance?
Value Label Value Frequency % Valid % Not mentioned 0 18043 95.6 99.9 Foster allowance 57 23 .1 .1 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf158	Income: sickness or accident insurance
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF158 : Have you yourself or jointly with others since 1.9.2000 received Sickness or accident insurance?
Value Label Value Frequency % Valid % Not mentioned 0 18030 95.6 99.8 Sick/acci insurance 58 36 .2 .2 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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kf159	Income: any other payment
Record Type	KINDRESP
Questionnaire	Individual (112)
Question Number and Text	KF159 : Have you yourself or jointly with others since 1.9.2000 received Any other regular payment?
Value Label Value Frequency % Valid % Not mentioned 0 17950 95.1 99.4 Any other payment 59 116 .6 .6 Proxy respondent -7 801 4.2 Missing
	Valid cases 18066 Missing cases 801
Question Route	ALL RESPONDENTS
Index Terms	Incomes: Benefits and Allowances and Pensions
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

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knf1	Income: total number of cited sources
Record Type	KINDRESP
Questionnaire	Individual (113)
Question Number and Text	KF2 : Interviewer check How many sources of income in total were recorded above?
Value Label Value Frequency % Valid % 0 7448 39.5 41.2 1 4548 24.1 25.2 2 3053 16.2 16.9 3 1547 8.2 8.6 4 916 4.9 5.1 5 385 2.0 2.1 6 122 .6 .7 7 28 .1 .2 8 8 .0 .0 9 2 .0 .0 11 1 .0 .0 Proxy respondent -7 801 4.2 Missing Refused -2 8 .0 Missing
	Valid cases 18058 Missing cases 809
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

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kfisit	Financial situation
Record Type	KINDRESP
Questionnaire	Individual (118)
Question Number and Text	KF4 : 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 5500 29.2 30.5 Doing alright 2 6776 35.9 37.6 Just abt getting by 3 4430 23.5 24.6 Finding it quite dif 4 933 4.9 5.2 Finding it very diff 5 403 2.1 2.2 Missing or wild -9 1 .0 Missing Proxy respondent -7 801 4.2 Missing Refused -2 1 .0 Missing Don’t know -1 22 .1 Missing
	Valid cases 18042 Missing cases 825
Question Route	ALL RESPONDENTS
Index Terms	Financial Management: Material Well-Being
	Values, Opinions and Attitudes
Variable Occurrence	W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfisitc	Change in financial position last year
Record Type	KINDRESP
Questionnaire	Individual (118)
Question Number and Text	KF5 : 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 5372 28.5 29.8 Worse off 2 3296 17.5 18.3 About same 3 9357 49.6 51.9 Missing or wild -9 1 .0 Missing Proxy respondent -7 801 4.2 Missing Refused -2 1 .0 Missing Don’t know -1 39 .2 Missing
	Valid cases 18025 Missing cases 842
Question Route	ALL RESPONDENTS
Index Terms	Financial Management: Material Well-Being
	Values, Opinions and Attitudes
Variable Occurrence	W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfisity	Why financial situation changed
Record Type	KINDRESP
Questionnaire	Individual (118)
Question Number and Text	KF6 : Why is that? (financially better or worse off)
Value Label Value Frequency % Valid % missing or wild -9 69 0.37 Missing inapplicable -8 9397 49.81 Missing proxy and/or phone -7 801 4.25 Missing refused -2 1 0.01 Missing Earnings increased 1 3098 16.42 36.03 Benefits increased 2 484 2.57 5.63 Invest’t income inc 3 93 0.49 1.08 Less expenses 4 777 4.12 9.04 Windfall payment 5 121 0.64 1.41 Earnings decreased 11 1039 5.51 12.08 Benefits reduced 12 98 0.52 1.14 Invest’t income dec 13 216 1.14 2.51 More expenses 14 1443 7.65 16.78 One off expenditure 15 58 0.31 0.67 Earn less:less expens 21 5 0.03 0.06 Earn more:more expens 22 2 0.01 0.02 Earn more:less benft 23 4 0.02 0.05 More benft:more expens 24 3 0.02 0.03 Less svgs:same std livg 25 68 0.36 0.79 Good management 26 310 1.64 3.61 No change income/expens 27 3 0.02 0.03 Better off:other reason 31 406 2.15 4.72 Worse off:other reason 32 338 1.79 3.93 Nthr better/worse:reason 33 9 0.05 0.1 Other 96 24 0.13 0.28 Total 18867 100.00
	Valid cases 8599 Missing cases 10268
Question Route	IF (KFISITC = 1-2) Asked if R is better off or worse off financially than a year ago
Index Terms	Financial Management: Material Well-Being
	Values, Opinions and Attitudes
Note	Office coded from verbatim responses.
Variable Occurrence	W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfisitx	Financial expectations for year ahead
Record Type	KINDRESP
Questionnaire	Individual (118)
Question Number and Text	KF7 : 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 4861 25.8 27.9 Worse than now 2 1374 7.3 7.9 About the same 3 11186 59.3 64.2 Missing or wild -9 1 .0 Missing Proxy respondent -7 801 4.2 Missing Refused -2 1 .0 Missing Don’t know -1 643 3.4 Missing
	Valid cases 17421 Missing cases 1446
Question Route	ALL RESPONDENTS
Index Terms	Financial Management: Material Well-Being
	Values, Opinions and Attitudes
Variable Occurrence	W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfiyrdia	Amount received in interest/dividends
Record Type	KINDRESP
Questionnaire	Individual (119)
Question Number and Text	KF8 : 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 232.38 1675.43 0 80000
Value Label Value Frequency % Valid % Nothing 0 11842 62.8 76.3 Amount stated 1 3669 19.4 23.7 Missing -9 1 .0 Missing Proxy Respondent -7 801 4.2 Missing Refused -2 691 3.7 Missing Don’t know -1 1863 9.9 Missing
	Valid cases 15511 Missing cases 3356
Question Route	ALL RESPONDENTS
Index Terms	Financial Management: Savings and Bank Accounts
	Incomes: Rents, Savings, Investments
Variable Occurrence	W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfiyrdb1	Over 500 in interest/dividends
Record Type	KINDRESP
Questionnaire	Individual (119)
Question Number and Text	KF9A : Would it amount to 500 or more?
Value Label Value Frequency % Valid % Yes 1 460 2.4 29.6 No 2 1096 5.8 70.4 Missing -9 4 .0 Missing Not applicable -8 16202 85.9 Missing Proxy Respondent -7 801 4.2 Missing Refused -2 8 .0 Missing Don’t know -1 296 1.6 Missing
	Valid cases 1556 Missing cases 17311
Question Route	IF (KFIYRDIA = -1) Asked if R has received dividends or interest from savings or investments but does not know how much
Index Terms	Financial Management: Savings and Bank Accounts
	Incomes: Rents, Savings, Investments
Variable Occurrence	W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfiyrdb2	Over 1000 in interest/dividends
Record Type	KINDRESP
Questionnaire	Individual (119)
Question Number and Text	KF9B : Would it amount to 1,000 or more?
Value Label Value Frequency % Valid % Yes 1 194 1.0 47.0 No 2 219 1.2 53.0 Missing -9 4 .0 Missing Not applicable -8 17602 93.3 Missing Proxy Respondent -7 801 4.2 Missing Don’t know -1 47 .2 Missing
	Valid cases 413 Missing cases 18454
Question Route	IF (KFIYRDIA = -1 AND KFIYRDB1 = 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	Financial Management: Savings and Bank Accounts
	Incomes: Rents, Savings, Investments
Variable Occurrence	W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfiyrdb3	Over 5000 in interest/dividends
Record Type	KINDRESP
Questionnaire	Individual (119)
Question Number and Text	KF9C : Would it amount to 5,000 or more?
Value Label Value Frequency % Valid % Yes 1 47 .2 27.3 No 2 125 .7 72.7 Missing -9 4 .0 Missing Not applicable -8 17868 94.7 Missing Proxy Respondent -7 801 4.2 Missing Don’t know -1 22 .1 Missing
	Valid cases 172 Missing cases 18695
Question Route	IF (KFIYRDIA = -1 AND KFIYRDB1 = 1 AND KFIYRDB2 = 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	Financial Management: Savings and Bank Accounts
	Incomes: Rents, Savings, Investments
Variable Occurrence	W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfiyrdb4	Over 2500 in interest/dividends
Record Type	KINDRESP
Questionnaire	Individual (119)
Question Number and Text	KF9D : Would it amount to 2,500 or more?
Value Label Value Frequency % Valid % Yes 1 48 .3 40.7 No 2 70 .4 59.3 Missing -9 4 .0 Missing Not applicable -8 17915 95.0 Missing Proxy Respondent -7 801 4.2 Missing Don’t know -1 29 .2 Missing
	Valid cases 118 Missing cases 18749
Question Route	IF (KFIYRDIA = -1 AND KFIYRDB1 = 1 AND KFIYRDB2 = 2 AND KFIYRDB3 = 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	Financial Management: Savings and Bank Accounts
	Incomes: Rents, Savings, Investments
Variable Occurrence	W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfiyrdb5	Over 10000 in interest/dividends
Record Type	KINDRESP
Questionnaire	Individual (119)
Question Number and Text	KF9E : Would it amount to 10,000 or more?
Value Label Value Frequency % Valid % Yes 1 16 .1 34.8 No 2 30 .2 65.2 Missing -9 4 .0 Missing Not applicable -8 18015 95.5 Missing Proxy Respondent -7 801 4.2 Missing Don’t know -1 1 .0 Missing
	Valid cases 46 Missing cases 18821
Question Route	IF (KFIYRDIA = -1 AND KFIYRDB1 = 1 AND KFIYRDB2 = 1 AND KFIYRDB3 = 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	Financial Management: Savings and Bank Accounts
	Incomes: Rents, Savings, Investments
Variable Occurrence	W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kfiyrdb6	Over 100 in interest/dividends
Record Type	KINDRESP
Questionnaire	Individual (119)
Question Number and Text	KF9F : Would it amount to 100 or more?
Value Label Value Frequency % Valid % Yes 1 663 3.5 60.9 No 2 426 2.3 39.1 Missing -9 4 .0 Missing Not applicable -8 16670 88.4 Missing Proxy Respondent -7 801 4.2 Missing Refused -2 4 .0 Missing Don’t know -1 299 1.6 Missing
	Valid cases 1089 Missing cases 17778
Question Route	IF (KFIYRDIA = -1 AND KFIYRDB1 = 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	Financial Management: Savings and Bank Accounts
	Incomes: Rents, Savings, Investments
Variable Occurrence	W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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ksave	Saves from current income
Record Type	KINDRESP
Questionnaire	Individual (120)
Question Number and Text	KF10 : 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 7198 38.2 40.4 No 2 10633 56.4 59.6 Missing or wild -9 1 .0 Missing Proxy respondent -7 801 4.2 Missing Refused -2 229 1.2 Missing Don’t know -1 5 .0 Missing
	Valid cases 17831 Missing cases 1036
Question Route	ALL RESPONDENTS
Index Terms	Financial Management: Material Well-Being
	Financial Management: Savings and Bank Accounts
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

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ksaved	Amount saved each month
Record Type	KINDRESP
Questionnaire	Individual (120)
Question Number and Text	KF11 : About how much on average do you personally manage to save a month?
	Mean Std Dev Minimum Maximum 154.71 249.74 1 7000
Value Label Value Frequency % Valid % Amount stated 1 6319 33.5 100.0 Missing or wild -9 2 .0 Missing Inapplicable -8 10867 57.6 Missing Proxy respondent -7 801 4.2 Missing Refused -2 183 1.0 Missing Don’t know -1 695 3.7 Missing
	Valid cases 6319 Missing cases 12548
Question Route	IF (KSAVE = 1) Asked if R saves some of income
Index Terms	Financial Management: Material Well-Being
	Financial Management: Savings and Bank Accounts
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

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ksavey1	First reason for saving
Record Type	KINDRESP
Questionnaire	Individual (120)
Question Number and Text	KF11AM1 : What are you saving for? 1st mention
Value Label Value Frequency % Valid % Holidays 1 1339 7.1 21.2 Old age 2 556 2.9 8.8 Car 3 249 1.3 3.9 Children 4 302 1.6 4.8 House purchase 5 328 1.7 5.2 Home improv 6 224 1.2 3.5 HH bills 7 116 .6 1.8 Special evnts 8 373 2.0 5.9 No spec reason 9 2537 13.4 40.1 Share schemes 10 20 .1 .3 Own education 11 46 .2 .7 Grandchild 12 17 .1 .3 Other 96 213 1.1 3.4 Missing or wild -9 583 3.1 Missing Inapplicable -8 11050 58.6 Missing Proxy respondent -7 801 4.2 Missing Refused -2 4 .0 Missing Don’t know -1 109 .6 Missing
	Valid cases 6320 Missing cases 12547
Question Route	IF (KSAVE = 1 AND KSAVED GE -1) Asked if R saves some of income and specifies or does not know amount saved per month
Index Terms	Financial Management: Material Well-Being
	Financial Management: Savings and Bank Accounts
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

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ksavey2	Second reason for saving
Record Type	KINDRESP
Questionnaire	Individual (120)
Question Number and Text	KF11AM2 : What are you saving for? 2nd mention
Value Label Value Frequency % Valid % Not mentioned 0 5387 28.6 83.5 Holidays 1 202 1.1 3.1 Old age 2 64 .3 1.0 Car 3 106 .6 1.6 Children 4 58 .3 .9 House purchase 5 51 .3 .8 Home improv 6 104 .6 1.6 HH bills 7 29 .2 .4 Special evnts 8 94 .5 1.5 No spec reason 9 268 1.4 4.2 Own education 11 11 .1 .2 Grandchild 12 10 .1 .2 Other 96 64 .3 1.0 Missing or wild -9 563 3.0 Missing Inapplicable -8 11050 58.6 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 5 .0 Missing
	Valid cases 6448 Missing cases 12419
Question Route	IF (KSAVE = 1 AND KSAVED GE -1) Asked if R saves some of income and specifies or does not know amount saved per month
Index Terms	Financial Management: Material Well-Being
	Financial Management: Savings and Bank Accounts
Note	See note for KSAVEY1.
Variable Occurrence	W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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ksavreg	Saves on a regular basis
Record Type	KINDRESP
Questionnaire	Individual (120)
Question Number and Text	KF12 : Do you save on a regular basis or just from time to time when you can?
Value Label Value Frequency % Valid % Regular basis 1 5095 27.0 79.0 From time to time 2 1344 7.1 20.8 Other 3 12 .1 .2 Missing -9 560 3.0 Missing Not applicable -8 11050 58.6 Missing Proxy respondent -7 801 4.2 Missing Refused -2 1 .0 Missing Don’t know -1 4 .0 Missing
	Valid cases 6451 Missing cases 12416
Question Route	IF (KSAVE = 1 AND KSAVED GE -1) Asked if R saves some of income and specifies or does not know amount saved per month
Index Terms	Financial Management: Material Well-Being
	Financial Management: Savings and Bank Accounts
Variable Occurrence	W10 W11 W12 W13 W14 W15 W16 W17 W18

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ksavlt	Savings mainly long or short term
Record Type	KINDRESP
Questionnaire	Individual (120)
Question Number and Text	KF13 : 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 2512 13.3 39.3 Mainly short term 2 2329 12.3 36.5 Both equally 3 1546 8.2 24.2 Missing -9 559 3.0 Missing Not applicable -8 11050 58.6 Missing Proxy respondent -7 801 4.2 Missing Refused -2 3 .0 Missing Don’t know -1 67 .4 Missing
	Valid cases 6387 Missing cases 12480
Question Route	IF (KSAVE = 1 AND KSAVED GE -1) Asked if R saves some of income and specifies or does not know amount saved per month
Index Terms	Financial Management: Material Well-Being
	Financial Management: Savings and Bank Accounts
Variable Occurrence	W10 W11 W12 W13 W14 W15 W16 W17 W18

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kpppen	Paid into private personal pension
Record Type	KINDRESP
Questionnaire	Individual (121)
Question Number and Text	KF14 : 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 2000 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 0.19 Missing proxy and/or phone -7 801 4.25 Missing refused -2 18 0.10 Missing Yes 1 1937 10.27 10.75 No 2 16075 85.20 89.25 Total 18867 100.00
	Valid cases 18012 Missing cases 855
Question Route	ALL RESPONDENTS
Index Terms	Financial Management: Pensions
Variable Occurrence	W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kpenb4	Personal pension started before 1.7.88
Record Type	KINDRESP
Questionnaire	Individual (121)
Question Number and Text	KF15 : Was your policy taken out before July 1st 1988 or since then?
Value Label Value Frequency % Valid % missing or wild -9 10 0.05 Missing inapplicable -8 16128 85.48 Missing proxy and/or phone -7 801 4.25 Missing Before 1.7.88 1 553 2.93 28.68 1.7.88 or since 2 1319 6.99 68.41 Before and after 3 56 0.30 2.9 Total 18867 100.00
	Valid cases 1928 Missing cases 16939
Question Route	IF (KPPPEN = 1) Asked if R has since 1.9.2000 paid into a private personal pension or had contributions paid on R’s behalf by the DSS
Index Terms	Financial Management: Pensions
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

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kpenb4y4	Year pre 1.7.88 pension started
Record Type	KINDRESP
Questionnaire	Individual (121)
Question Number and Text	KF16 : What year did you first take out a policy?
	Mean Std Dev Minimum Maximum 1983.20 5.46 1952 1988
Value Label Value Frequency % Valid % Amount stated 1 461 2.4 100.0 Missing or wild -9 1 .0 Missing Inapplicable -8 17512 92.8 Missing Proxy respondent -7 801 4.2 Missing Refused -2 4 .0 Missing Don’t know -1 88 .5 Missing
	Valid cases 461 Missing cases 18406
Question Route	IF (KPPPEN = 1 AND KPENB4 = 1) Asked if R has since 1.9.2000 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	Financial Management: Pensions
Note	See note for KPENB4.
Variable Occurrence	W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kpenb4v	Amount last payment to pre 1988 pension
Record Type	KINDRESP
Questionnaire	Individual (121)
Question Number and Text	KF17 : How much was your last contribution or premium?
	Mean Std Dev Minimum Maximum 183.92 524.52 4 7000
Value Label Value Frequency % Valid % Amount stated 1 451 2.4 100.0 Missing or wild -9 3 .0 Missing Inapplicable -8 17512 92.8 Missing Proxy respondent -7 801 4.2 Missing Refused -2 26 .1 Missing Don’t know -1 74 .4 Missing
	Valid cases 451 Missing cases 18416
Question Route	IF (KPPPEN = 1 AND KPENB4 = 1) Asked if R has since 1.9.2000 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	Financial Management: Pensions
Note	See note for KPENB4.
Variable Occurrence	W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kpenb4w	Weeks covered pre 88 pension
Record Type	KINDRESP
Questionnaire	Individual (121)
Question Number and Text	KF18 : How long did this cover?
	Mean Std Dev Minimum Maximum 8.31 13.19 1 52
Value Label Value Frequency % Valid % Amount stated 1.00 450 2.4 100.0 Missing or wild -9.00 3 .0 Missing Inapplicable -8.00 17612 93.3 Missing Proxy respondent -7.00 801 4.2 Missing One off payment -4.00 1 .0 Missing
	Valid cases 450 Missing cases 18417
Question Route	IF (KPPPEN = 1 AND KPENB4 = 1) Asked if R has since 1.9.2000 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	Financial Management: Pensions
Note	See note for KPENB4.
Variable Occurrence	W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kpenyr4	Year post 1.7.88 pension started
Record Type	KINDRESP
Questionnaire	Individual (122)
Question Number and Text	KF19 : In what year since July 1st 1988 did you first take out a policy?
Value Label Value Frequency % Valid % 1988 53 .3 4.3 1989 100 .5 8.1 1990 112 .6 9.1 1991 95 .5 7.7 1992 82 .4 6.6 1993 81 .4 6.6 1994 72 .4 5.8 1995 87 .5 7.1 1996 99 .5 8.0 1997 93 .5 7.5 1998 103 .5 8.3 1999 99 .5 8.0 2000 141 .7 11.4 2001 15 .1 1.2 2002 2 .0 .2 Missing or wild -9 1 .0 Missing Inapplicable -8 16690 88.5 Missing Proxy respondent -7 801 4.2 Missing Refused -2 2 .0 Missing Don’t know -1 139 .7 Missing
	Valid cases 1234 Missing cases 17633
Question Route	IF (KPPPEN = 1 AND KPENB4 = 2) Asked if R has since 1.9.2000 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and policy was taken out on or after 1.7.88
Index Terms	Financial Management: Pensions
Note	See note for KPENB4.
Variable Occurrence	W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kpenadd	Additional contrib’n to post ’88 pension
Record Type	KINDRESP
Questionnaire	Individual (122)
Question Number and Text	KF20 : Since September 1st 2000, over and above those contributions paid on your behalf by the Department of Social Security, have you yourself made any extra contributions towards your personal pension?
Value Label Value Frequency % Valid % missing or wild -9 10 0.05 Missing inapplicable -8 16690 88.46 Missing proxy and/or phone -7 801 4.25 Missing Yes 1 758 4.02 55.49 No 2 608 3.22 44.51 Total 18867 100.00
	Valid cases 1366 Missing cases 17501
Question Route	IF (KPPPEN = 1 AND KPENB4 = 2) Asked if R has since 1.9.2000 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and policy was taken out on or after 1.7.88
Index Terms	Financial Management: Pensions
Variable Occurrence	W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kpenadv	Amount last payment post 1.7.88 pension
Record Type	KINDRESP
Questionnaire	Individual (122)
Question Number and Text	KF21 : How much was your last contribution?
	Mean Std Dev Minimum Maximum 187.62 571.70 1 6050
Value Label Value Frequency % Valid % Amount stated 1 694 3.7 100.0 Missing or wild -9 1 .0 Missing Inapplicable -8 17307 91.7 Missing Proxy respondent -7 801 4.2 Missing Refused -2 23 .1 Missing Don’t know -1 41 .2 Missing
	Valid cases 694 Missing cases 18173
Question Route	IF (KPPPEN = 1 AND KPENB4 = 2 AND KPENADD = 1) Asked if R has since 1.9.2000 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and policy was taken out on or after 1.7.88 and R has paid extra contributions into the pension
Index Terms	Financial Management: Pensions
Variable Occurrence	W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kpenadw	Weeks covered post 88 pension
Record Type	KINDRESP
Questionnaire	Individual (122)
Question Number and Text	KF22 : How long did this cover?
	Mean Std Dev Minimum Maximum 5.70 8.90 1 52
Value Label Value Frequency % Valid % Amount stated 1.00 686 3.6 100.0 Missing or wild -9.00 1 .0 Missing Inapplicable -8.00 17371 92.1 Missing Proxy respondent -7.00 801 4.2 Missing One off payment -4.00 8 .0 Missing
	Valid cases 686 Missing cases 18181
Question Route	IF (KPPPEN = 1 AND KPENB4 = 2 AND KPENADD = 1) Asked if R has since 1.9.2000 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and policy was taken out on or after 1.7.88 and R has paid extra contributions towards the pension
Index Terms	Financial Management: Pensions
Variable Occurrence	W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kpenmjn	Year joined employers pension scheme
Record Type	KINDRESP
Questionnaire	Individual (123)
Question Number and Text	KF23 : You told me earlier that you are a member of your employers occupational pension scheme. When did you first join this scheme?
	Mean Std Dev Minimum Maximum 1992.57 8.41 1961 2002
Value Label Value Frequency % Valid % Amount stated 1 2621 13.9 100.0 Missing or wild -9 37 .2 Missing Inapplicable -8 15374 81.5 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 34 .2 Missing
	Valid cases 2621 Missing cases 16246
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KJBPENM = 1) Asked if R is from BHPS/ECHP sample, not retired and belongs to employer’s pension scheme
Index Terms	Financial Management: Pensions
Variable Occurrence	W11

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kpenmcn	Type of contributions to pension scheme
Record Type	KINDRESP
Questionnaire	Individual (123)
Question Number and Text	KF24 : Which of the statements on this card (f5) best describes the contibutions made by you to this employers scheme?
Value Label Value Frequency % Valid % Contrib. deductions 1 2199 11.7 83.6 Non-contrib. AVCs 2 109 .6 4.1 Non-contrib. no AVC 3 321 1.7 12.2 Missing or wild -9 37 .2 Missing Inapplicable -8 15374 81.5 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 26 .1 Missing
	Valid cases 2629 Missing cases 16238
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KJBPENM = 1) Asked if R is from BHPS/ECHP sample, not retired and belongs to employer’s pension scheme
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15

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kpenmpy	Percentage of salary contributed
Record Type	KINDRESP
Questionnaire	Individual (123)
Question Number and Text	KF25 : What percentage of your pay or salary do you contribute to this scheme?
	Mean Std Dev Minimum Maximum 5.73 4.31 0 100
Value Label Value Frequency % Valid % .00 27 .1 1.9 Amount stated 1.00 1390 7.4 98.1 Missing or wild -9.00 397 2.1 Missing Inapplicable -8.00 15374 81.5 Missing Proxy respondent -7.00 801 4.2 Missing Don’t know -1.00 878 4.7 Missing
	Valid cases 1417 Missing cases 17450
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KJBPENM = 1 AND KPENMCN = 1 OR 2) Asked if R is from BHPS/ECHP sample, not retired and belongs to employer’s pension scheme and makes contributions
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15

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kpenmtp	How pension be will calculated
Record Type	KINDRESP
Questionnaire	Individual (123)
Question Number and Text	KF26 : There are two main ways in which your pension entitlement can be worked out in an employers pension scheme. Which of the statements on this card (f6) best describes how your pension will be calculated?
Value Label Value Frequency % Valid % Pension: final salar 1 1547 8.2 68.6 Pension: investment 2 556 2.9 24.7 Pension: combined/ot 3 152 .8 6.7 Missing or wild -9 37 .2 Missing Inapplicable -8 15374 81.5 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 400 2.1 Missing
	Valid cases 2255 Missing cases 16612
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KJBPENM = 1) Asked if R is from BHPS/ECHP sample, not retired and belongs to employer’s pension scheme
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15

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kpenmsp	Spouse/partner to receive benefits
Record Type	KINDRESP
Questionnaire	Individual (124)
Question Number and Text	KF28 : Can I check, will your husband/wife/partner receive benefits under this occupational pension scheme if they outlive you?
Value Label Value Frequency % Valid % Yes 1 1504 8.0 86.8 No 2 229 1.2 13.2 Missing or wild -9 44 .2 Missing Inapplicable -8 15991 84.8 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 298 1.6 Missing
	Valid cases 1733 Missing cases 17134
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KJBPENM = 1 AND KSPINHH = 1) Asked if R is from BHPS/ECHP sample, not retired and belongs to employer’s pension scheme and lives with spouse/partner
Index Terms	Financial Management: Pensions
Variable Occurrence	W11

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kpenmex	Expects to receive occupational pension
Record Type	KINDRESP
Questionnaire	Individual (124)
Question Number and Text	KF29 : Do you currently expect to receive any income or benefit from an employers occupational pension scheme when you retire?
Value Label Value Frequency % Valid % Yes 1 928 4.9 19.8 No 2 3754 19.9 80.2 Missing or wild -9 63 .3 Missing Inapplicable -8 13068 69.3 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 253 1.3 Missing
	Valid cases 4682 Missing cases 14185
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KJBPENM = 2) Asked if R is from BHPS/ECHP sample, not retired and does not belong to employer’s pension scheme
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15 W16

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kpppex	Expects to receive a private pension
Record Type	KINDRESP
Questionnaire	Individual (124)
Question Number and Text	KF30 : Do you currently expect to receive any income or benefit from a private pension scheme when you retire?
Value Label Value Frequency % Valid % Yes 1 880 4.7 14.5 No 2 5182 27.5 85.5 Missing or wild -9 87 .5 Missing Inapplicable -8 11568 61.3 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 349 1.8 Missing
	Valid cases 6062 Missing cases 12805
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KPPPEN = 2) Asked if R is from BHPS/ECHP sample, not retired and has not since 1.9.2000 paid into a private personal pension or had contributions paid on R’s behalf by the DSS
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15 W16

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kpppexm	Expects to receive other income
Record Type	KINDRESP
Questionnaire	Individual (124)
Question Number and Text	KF31 : (Apart from the pensions already mentioned) Do you currently expect to receive any income or benefit from (other) savings and investments when you retire?
Value Label Value Frequency % Valid % Yes 1 1781 9.4 25.5 No 2 5200 27.6 74.5 Missing or wild -9 100 .5 Missing Inapplicable -8 10376 55.0 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 609 3.2 Missing
	Valid cases 6981 Missing cases 11886
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4) Asked if R is from BHPS/ECHP sample and is not retired
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15 W16

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kstakeh	Belongs to a Stakeholder Pension scheme
Record Type	KINDRESP
Questionnaire	Individual (124)
Question Number and Text	KF32 : In the last year Stakeholder Pensions have been introduced. Do you currently belong to a Stakeholder Pension scheme?
Value Label Value Frequency % Valid % Yes 1 151 .8 2.0 No 2 7306 38.7 98.0 Missing or wild -9 100 .5 Missing Inapplicable -8 10376 55.0 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 133 .7 Missing
	Valid cases 7457 Missing cases 11410
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4) Asked if R is from BHPS/ECHP sample and is not retired
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15 W16

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ksppen	Spouse/partner belong to pension scheme
Record Type	KINDRESP
Questionnaire	Individual (125)
Question Number and Text	KF34 : Does your husband/wife/partner belong to any pension scheme, either an occupational or private scheme under which you would receive benefits if you outlive them?
Value Label Value Frequency % Valid % Yes 1 2282 12.1 52.3 No 2 2081 11.0 47.7 Missing or wild -9 135 .7 Missing Inapplicable -8 12872 68.2 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 696 3.7 Missing
	Valid cases 4363 Missing cases 14504
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KSPINHH = 1) Asked if R is from BHPS/ECHP sample and is not retired and lives with spouse/partner
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15 W16

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kretexp	Expects retiremnt inc. be more or less
Record Type	KINDRESP
Questionnaire	Individual (125)
Question Number and Text	KF35A : Do you expect your income in the year after you retire to be more than your pre-retirement income, less than your pre- retirement income, or about the same?
Value Label Value Frequency % Valid % More than 1 136 .7 4.8 Less than 2 2093 11.1 74.2 About the same 3 591 3.1 21.0 Missing or wild -9 43 .2 Missing Inapplicable -8 14765 78.3 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 438 2.3 Missing
	Valid cases 2820 Missing cases 16047
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KAGE GE 40) Asked if R is from BHPS/ECHP sample and is not retired and is aged 40+ years
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15 W16

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kretamt	How expects retirement inc. to compare
Record Type	KINDRESP
Questionnaire	Individual (125)
Question Number and Text	KF35B : Can you tell me from this card (f7) what you expect your income to be compared with your pre-retirement income?
Value Label Value Frequency % Valid % Less than a quarter 1 120 .6 8.1 About a quarter 2 145 .8 9.8 About a third 3 243 1.3 16.4 About a half 4 504 2.7 34.0 About two thirds 5 324 1.7 21.9 About three quarters 6 136 .7 9.2 Other 7 9 .0 .6 Missing or wild -9 43 .2 Missing Inapplicable -8 15930 84.4 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 612 3.2 Missing
	Valid cases 1481 Missing cases 17386
Question Route	IF (KMEMORIG = 1-4 AND KJBSTAT NE 4 AND KAGE GE 40 AND KRETEXP = 2) Asked if R is from BHPS/ECHP sample and is not retired and is aged 40+ years and expects retirement income to be be less than preretirement income
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15 W16

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kretsuf	Expects retiremnt inc. to meet needs
Record Type	KINDRESP
Questionnaire	Individual (125)
Question Number and Text	KF36 : Looking to the future, do you expect your income during (the rest of) your retirement to be..
Value Label Value Frequency % Valid % More than enough to 1 1506 8.0 17.7 Just about enough to 2 5382 28.5 63.2 Less than enough to 3 1626 8.6 19.1 Missing or wild -9 155 .8 Missing Inapplicable -8 8026 42.5 Missing Proxy respondent -7 801 4.2 Missing Don’t know -1 1371 7.3 Missing
	Valid cases 8514 Missing cases 10353
Question Route	IF (KMEMORIG = 1-4) Asked if R is from BHPS/ECHP sample
Index Terms	Financial Management: Pensions
Variable Occurrence	W11 W15 W16

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kwindf	Received lump payment
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF36 : Since September 1st 2000 have you personally received any payments, or payment in kind, from anything listed on this card (F8)?
Value Label Value Frequency % Valid % Yes 1 2895 15.3 16.1 No 2 15047 79.8 83.9 Missing -9 1 .0 Missing Proxy respondent -7 801 4.2 Missing Refused -2 67 .4 Missing Don’t know -1 56 .3 Missing
	Valid cases 17942 Missing cases 925
Question Route	ALL RESPONDENTS
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Variable Occurrence	W5 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kwindfa	Lump sum – life insurance policy
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF38A : Which ones? .. a life insurance policy
Value Label Value Frequency % Valid % Not mentioned 0 17533 92.9 97.8 Life Ins policy 1 403 2.1 2.2 Missing -9 7 .0 Missing Not applicable -8 123 .7 Missing Proxy respondent -7 801 4.2 Missing
	Valid cases 17936 Missing cases 931
Question Route	IF (KWINDF = 1) Asked if R has received any payment or payment in kind from anything listed (Showcard F5)
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Variable Occurrence	W5 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kwindfay	Amount of: Insurance policy
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF39A : About how much in total did you receive? life insurance policy
	Mean Std Dev Minimum Maximum 8838.58 22391.89 23 350000
Value Label Value Frequency % Valid % Amount stated 1 357 1.9 100.0 Missing or wild -9 7 .0 Missing Not applicable -8 17656 93.6 Missing Proxy respondent -7 801 4.2 Missing Refused -2 33 .2 Missing Don’t know -1 13 .1 Missing
	Valid cases 357 Missing cases 18510
Question Route	IF (KWINDF = 1 AND KWINDFA = 2) Asked if R has received any payment or payment in kind from a life insurance policy
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Variable Occurrence	W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kwindfb	Lump sum – pension payout
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF38B : Which ones? .. a lump sum pension payout
Value Label Value Frequency % Valid % Not mentioned 0 17795 94.3 99.2 Pension payout 1 141 .7 .8 Missing -9 7 .0 Missing Not applicable -8 123 .7 Missing Proxy respondent -7 801 4.2 Missing
	Valid cases 17936 Missing cases 931
Question Route	IF (KWINDF = 1) Asked if R has received any payment or payment in kind from anything listed (Showcard F5)
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Variable Occurrence	W5 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kwindfby	Amount of: Lump-sum pension
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF39B : About how much in total did you receive? lump sum pension payout
	Mean Std Dev Minimum Maximum 17385.23 19951.35 84 100000
Value Label Value Frequency % Valid % Amount stated 1 117 .6 100.0 Missing or wild -9 7 .0 Missing Not applicable -8 17918 95.0 Missing Proxy respondent -7 801 4.2 Missing Refused -2 19 .1 Missing Don’t know -1 5 .0 Missing
	Valid cases 117 Missing cases 18750
Question Route	IF (KWINDF = 1 AND KWINDFB = 3) Asked if R has received any payment or payment in kind from a lump sum pension payout
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Variable Occurrence	W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kwindfc	Lump sum – personal accident claim
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF38C : Which ones? .. a personal accident claim
Value Label Value Frequency % Valid % Not mentioned 0 17801 94.3 99.2 Accident claim 1 135 .7 .8 Missing -9 7 .0 Missing Not applicable -8 123 .7 Missing Proxy respondent -7 801 4.2 Missing
	Valid cases 17936 Missing cases 931
Question Route	IF (KWINDF = 1) Asked if R has received any payment or payment in kind from anything listed (Showcard F5)
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Variable Occurrence	W5 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kwindfcy	Amount of: Accident claim
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF39C : About how much in total did you receive? personal accident claim
	Mean Std Dev Minimum Maximum 5367.63 23040.82 44 250000
Value Label Value Frequency % Valid % Amount stated 1 120 .6 100.0 Missing or wild -9 7 .0 Missing Not applicable -8 17922 95.0 Missing Proxy respondent -7 801 4.2 Missing Refused -2 15 .1 Missing Don’t know -1 2 .0 Missing
	Valid cases 120 Missing cases 18747
Question Route	IF (KWINDF = 1 AND KWINDFC = 4) Asked if R has received any payment or payment in kind from a personal accident claim
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Variable Occurrence	W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kwindfd	Lump sum – redundancy payment
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF38D : Which ones? .. a redundancy payment
Value Label Value Frequency % Valid % Not mentioned 0 17716 93.9 98.8 Redundancy payment 1 220 1.2 1.2 Missing -9 7 .0 Missing Not applicable -8 123 .7 Missing Proxy respondent -7 801 4.2 Missing
	Valid cases 17936 Missing cases 931
Question Route	IF (KWINDF = 1) Asked if R has received any payment or payment in kind from anything listed (Showcard F5)
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Variable Occurrence	W5 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kwindfdy	Amount of: Redundancy payment
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF39D : About how much in total did you receive? redundancy payment
	Mean Std Dev Minimum Maximum 12062.34 60084.89 50 850000
Value Label Value Frequency % Valid % Amount stated 1 203 1.1 100.0 Missing or wild -9 7 .0 Missing Not applicable -8 17839 94.6 Missing Proxy respondent -7 801 4.2 Missing Refused -2 15 .1 Missing Don’t know -1 2 .0 Missing
	Valid cases 203 Missing cases 18664
Question Route	IF (KWINDF = 1 AND KWINDFD = 5) Asked if R has received any payment or payment in kind from a redundancy claim
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Variable Occurrence	W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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kwindff	Lump sum – inheritance / bequest
Record Type	KINDRESP
Questionnaire	Individual (126)
Question Number and Text	KF38F : Which ones? .. an inheritance or bequest (inc. inherited property)
Value Label Value Frequency % Valid % Not mentioned 0 17575 93.2 98.0 Inheritance 1 361 1.9 2.0 Missing -9 7 .0 Missing Not applicable -8 123 .7 Missing Proxy respondent -7 801 4.2 Missing
	Valid cases 17936 Missing cases 931
Question Route	IF (KWINDF = 1) Asked if R has received any payment or payment in kind from anything listed (Showcard F5)
Index Terms	Financial Management: Material Well-Being
	Incomes: Windfalls
Note	Including inherited property.
Variable Occurrence	W5 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

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