CLARITAS IPA & Net Worth Profiles

Target by financial status

Overview

To successfully target America’s wealthiest consumers, you need information that goes a lot deeper than just income.

Nielsen Claritas offers the most precise, detailed information about a household’s liquid or total assets with profiles of Income Producing Assets (IPA) and Net Worth. Available for P$YCLE and PRIZM, IPA and Net Worth Profiles provide powerful insights into your target customers’ financial background for more effective campaign planning.

Features & Benefits

IPA and Net Worth Profiles can be combined with segmentation to examine a segment’s asset bases. It can also be appended to a customer file independently to add a finer level of behavioral segmentation or modeling power.

IPA and Net Worth both measure a household’s financial status, but each provides a view of affluence from a slightly different angle.

Net Worth model information includes:

• A household’s net financial position
• A household’s entire assets minus its liabilities or debts against those assets
• Liquid assets such as savings accounts, CDs or stocks
• The value of a primary residence
• Cash value of insurance, collectibles, real estate and other investments
• Liabilities such as mortgages, auto loans, student loans, home improvement loans, credit card balances and other personal loans
• Balances on other lines of credit
• The net difference in a household’s assets minus liabilities

The information experts at Nielsen Claritas designed the IPA model as a powerful tool to obtain a more precise measurement of affluent market segments. IPA focuses solely on a household’s liquid financial assets – key information that financial marketers use to quantify household assets that can be moved from one investment vehicle to another, including:

• Checking accounts
• Savings accounts
• Certificates of deposit
• IRAs
• Mutual funds
• Retirement accounts
• Stocks
• Bonds
• Securities
• Cash asset management accounts
• Keogh accounts
• Corporate/Municipal bonds
• Commodity contracts
• Warrants
• Options
• US saving bonds
• Treasury bills
• Other government securities
• Sweep accounts

The IPA model classifies all households in the U.S. into one of 10 ranges, from less than $25,000 to over $2 million:

• $2,000,000 or more
• $1,000,000 – $1,999,999
• $750,000 – $999,999
• $500,000 – $749,999
• $250,000 – $499,999
• $100,000 – $249,999
• $75,000 – $99,999
• $50,000 – $74,999
• $25,000 – $49,999

The Net Worth model classifies all households in the U.S. into one of 10 ranges, from less than $25,000 to over $1 million:

• $1,000,000 or more
• $750,000 – $999,999
• $500,000 – $749,999
• $250,000 – $499,999
• $150,000 – $249,999
• $100,000 – $149,999
• $75,000 – $99,999
• $50,000 – $74,999
• $25,000 – $49,999
• Less than $25,000

Technical Specifications

Nielsen Claritas IPA estimates liquid assets based on respondents to the Nielsen Claritas Market Audit survey of financial behaviors–liquid assets for which Nielsen Claritas has actual dollar measures from each survey respondent. From the survey base, information for nearly 250,000 households (rolling three years of quarterly surveys) is used to construct balance information for the variety of financial products and services that are core to Income Producing Assets.

Nielsen Claritas Net Worth estimates a household’s net financial position (total assets minus total liabilities) based on responses to the Nielsen Claritas Market Audit survey of financial behaviors– assets and liabilities for which Nielsen Claritas has actual dollar measures from each survey respondent.

Learn how to successfully target America’s wealthiest consumers, call 866-737-7429.