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Appendix

A.1 Composite Regulatory Focus Scale

Please indicate your response by circling the number which most reflects you

No.

Questions

Not at all true of me

Very true of me

1

When it comes to achieving things that are important to me, I find that I don't perform as well as I would ideally like to do

1

2

3

4

5

6

7

2

I feel like I have made progress toward being successful in my life

1

2

3

4

5

6

7

3

When I see an opportunity for something I like, I get excited right away

1

2

3

4

5

6

7

4

I frequently imagine how I will achieve my hopes and aspirations

1

2

3

4

5

6

7

5

I see myself as someone who is primarily striving to reach my “ideal self”—to fulfill my hopes, wishes, and aspirations

1

2

3

4

5

6

7

6

I usually obeyed rules and regulations that were established by my parents

1

2

3

4

5

6

7

7

Not being careful enough has gotten me into trouble at times

1

2

3

4

5

6

7

8

I worry about making mistakes

1

2

3

4

5

6

7

9

I frequently think about how I can prevent failures in my life

1

2

3

4

5

6

7

10

I see myself as someone who is primarily striving to become the self I “ought” to be—fulfill my duties, responsibilities and obligations

1

2

3

4

5

6

7

A.2 Distraction Scenario

Write about what happened yesterday.


A.3 Allocation Situations


A.4 Surveys of Consumers

Specific questions have drawn from this survey, as follows:

1. The earlier you start saving for retirement, the more money you will have because the effects of compound interest increase over time.

True/False

2. A stock mutual fund combines the money of many investors to buy a variety of stocks.

True/False 3. Over the long term, stocks have the highest rate of return on money invested.

True/False

4. Mutual funds pay a guaranteed rate of return.

True/ False

The correct answers have been underlined.

A.5 Complete Questionnaire

Dear Respondent

The following questions are to find out about your predispositions and how they can affect decisions you make. Completing the questionnaire should not take more than 15 minutes. Thank you for your time.

Please indicate your response by circling the number which most reflects you

No.

Questions

Not at all true of me

Very true of me

1

When it comes to achieving things that are important to me, I find that I don't perform as well as I would ideally like to do

1

2

3

4

5

6

7

2

I feel like I have made progress toward being successful in my life

1

2

3

4

5

6

7

3

When I see an opportunity for something I like, I get excited right away

1

2

3

4

5

6

7

4

I frequently imagine how I will achieve my hopes and aspirations

1

2

3

4

5

6

7

5

I see myself as someone who is primarily striving to reach my “ideal self”—to fulfill my hopes, wishes, and aspirations

1

2

3

4

5

6

7

6

I usually obey rules and regulations that were established by my parents

1

2

3

4

5

6

7

(continued) (continued)

No.

Questions

Not at all true of me

Very true of me

7

Not being careful enough has gotten me into trouble at times

1

2

3

4

5

6

7

8

I worry about making mistakes

1

2

3

4

5

6

7

9

I frequently think about how I can prevent failures in my life

1

2

3

4

5

6

7

10

I see myself as someone who is primarily striving to become the self I “ought” to be—fulfill my duties, responsibilities and obligations

1

2

3

4

5

6

7

Write about what happened yesterday


Imagine you have $6000 available and can allocate it in

either one of the two groups of assets, as below.

In which group would you put more of your funds? Indicate your selection, via a tick inthe box below.

Stocks

Mutual Funds

Imagine you have $6000 available and can allocate it in

either one of the two portfolios, as below.

In which group would you put more of your funds?

Both portfolios account for inflation

Indicate your selection, via a tick inthe box below.

Option A OptionB

High gains, and possible No gains, and no losses,

losses, may not maintain will maintain value over value over time time


Please circle the relevant 'True' or 'False'

1. The earlier you start saving for retirement, the more money you will have because the effects of compounding interest increase over time.

True/False

2. A stock mutual fund combines the money of many investors to buy a variety of stocks.

True/False

3. Over the long term, stocks have the highest rate of return on money invested.

True/False

4. Mutual funds pay a guaranteed rate of return.

True/False

What do you feel about the current global financial situation?


 
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