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PDF Wealth Reports - Volume 13

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Men have more positive views on the benefits of frequent trading and timing the market, yet - consistent with the trading paradox — they are more likely to believe they trade too much. Men have higher composure than women; that is, they are less likely to believe they are easily stressed. Women tend to have lower composure and a greater desire for financial self-control, which is associated with a desire to use self-control strategies, and women are more likely to believe that these strategies are effective.

Age really does make you wiser: The adage that we mellow with age rings true in this report. Age is characterised by calm, acceptance and satisfaction. The data suggest the idea of happiness in old age also transfers to the way we approach our finances. In fact, even if wealth levels do not change, with increasing age the wealthy gained a calmness and confidence in their approach to financial management. A significant difference emerges when we look at the relationship between worth and financial personality traits.


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Those with greater income and wealth have higher risk tolerance levels. The pattern behind this observation is extremely robust. Having a risk-seeking personality has its own challenges — it is clearly related to a higher desire for financial self-control. The report shows that investors use many types of decision-making strategies to control their decision-making process. The most popular include setting deadlines to avoid procrastination and using cooling-off periods to reflect on decisions.

Respondents believe that rules are more effective in their financial lives rather than in life more generally. Executive summary Written by. Classical versus rock'n'control Introduction.

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The report unveiled a range of interesting findings to the philanthropic and non-profit community in Boston. For instance, Boston's most affluent population makes philanthropic gifts that are among the very largest in the country. In Massachusetts, the most affluent and wealthy households donate larger portions of their after tax income when expressed in terms of regional purchasing power than any other state in the nation except Connecticut, New York, and New Jersey.

Residents of Massachusetts from lower and middle- income households, however, donate smaller portions of their after tax income again expressed in terms of regional purchasing power compared to the national average. Geography and Giving offers fresh insight into why donors in Massachusetts give and why they are prone to give more to secular than religious causes.

The report reveals that although national giving is equally split between religious and secular, Bostonians in particular and New Englanders in general, give substantially less to religion and substantially more to secular causes, on average, than the rest of the country. Educational attainment, especially beyond the bachelor's degree, has a high correlation with secular giving.


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Boston is known throughout the world as higher education's hometown. Boston and Massachusetts have a very large proportion of heads of households with doctorate and masters degrees.

Volume 13 Number 4 December 2008

The city has a well educated populace and thus it has an expanded secular donor base. Occupation is also a strong indicator of levels of giving and heads of households working in professional and administrative occupations give more than do their counterparts in other occupations. Heads of households working in high technology information, biomedical, pharmaceutical, etc.

The Role of Control in Financial Decision Making

The report speculates that working in professional occupations reinforces values and normative behavior that leads to high levels of secular giving. In their report Havens and Schervish point out that heads of households of two particular groups stand out in Boston and Massachusetts: African Americans and heads of households who have served in the military.

African American households give the largest percentage of their after tax incomes, on average, to charity as compared with all other races in Massachusetts. Households whose head served in the military gave a greater percentage of their after tax income, in terms of regional purchasing power, to charity than those who had not served.

Financial Decision Making | Volume 13 Wealth Insights | Barclays

Schervish and Havens point out patterns and insights into the specific conditions and history that give rise to New England's philanthropic signature. In order to compare Massachusetts to other states and Boston to other metropolitan areas, they have completed a substantial portion of the statistical research required to undertake studies similar for other states or other metropolitan areas.

If you are interested in identifying and analyzing the cultural, historical, demographic, and socio-economic factors that shape the giving patterns in your region please call the Center on Wealth and Philanthropy at or e-mail Robert A. All other forms of giving are termed "secular giving" including a gift to a school, program or hospital run by a religious organization.

Based on the most Current Population Survey September , we see an emerging difference in the ways men and women volunteer in their communities. Did you know that women volunteer more frequently and to more types of non-profit causes than do men? But of the men who do volunteer, they volunteer more hours, on average, than women who volunteer? Nevertheless, women volunteer more aggregate hours than men -- there are more women than men and a greater proportion of women volunteer as compared with men.

Without a doubt, in both religious and in secular organizations, women provide by far the majority of the volunteer hours. Turning to the rate of participation, we find that overall a larger proportion of women volunteer to religious 14 percent and to secular causes 23 percent than do men 10 percent and 18 percent, respectively. However, when men do volunteer they contribute a larger number of hours annual hours per volunteer to religious and annual hours per volunteer to secular causes than do female volunteers annual hours to religious and annual hours to secular causes.

In summary, women volunteer more frequently than men both to religious and to secular causes. Males volunteer more time on average than do female volunteers. At older ages, both genders volunteer more hours per volunteer than their younger counterparts, but more people volunteer at younger ages than at older ages. The greater number of hours volunteered by men partly offsets the greater percentage of women that volunteer. Based on the Survey of Consumer Finances, the most recent survey of its kind, households headed by unmarried men which includes separated, divorced, widowed and never married donate, on average, an equal amount to charity as households headed by unmarried women.

However, there were 31 million households headed by unmarried women compared to only 17 million households headed by unmarried men.

Executive summary

Controlling for income, unmarried women give more to charity on average in every income category as compared to unmarried men. At the lower levels of income, the differences between the two unmarried genders were modest and became more dramatic at higher household income categories. In summary, affluent and wealthy women who are widowed, never married, separated or divorced give more to charity, on average, than similarly affluent and wealthy men who are widowed, never married, separated, or divorced. There are smaller percentages of affluent and wealthy unmarried women than there are percentages of affluent and wealthy unmarried men.