P$ycle Financial Markets

P$ycle NE is a proven household-level lifestyle segmentation system that assists marketers in accurately predicting consumer financial behavior. It classifies consumers in terms of the types of financial services and the balance amounts those households are likely to have.

P$ycle NE evaluates consumers using demographic factors that have the greatest effect on their financial behavior. It was developed by using Experian's extensive demographic data and Claritas Inc's innovative modeling techniques. The result is assigning consumers to one of 58 segments within 13 life-stage groups, each with distinct usage patterns for financial products and services.

Top financial institutions use P$ycle in their decision-making process for marketing initiatives such as customer acquisition, retention and cross-selling programs.

P$ycle Selects:

  Upscale Retired

  Upper Affluent

  Lower Affluent

  Mass Market

  Midscale Retired

  Lower Market

  Downscale Retired

Within each segment, there are additional segments that help marketers really pinpoint the market.

Golden Agers

One of the oldest financial segments, Golden Agers is a collection of over 65-year olds who've amassed income producing assets at the second highest level in the county. These senior singles + couples, typically living in large suburban homes, tend to be fiscally conservatives - they rank at the top for having corporate/municipal bonds, government securities, fixed-rate annuities and savings accounts. They are more than twice as likely as average Americans to own multiple annuities and long-term care insurance. They fill their days with golf (both playing and watching), the arts, public TV & radio. Like many affluent seniors, they leave their investment decisions to brokers at full-service brokerage firms.

**Call us and we'll be happy to provide you with profiles of our other P$ycle segments!

Income Producing Assets

The Income Producing Assets (IPA) model is one o the models used to derive P$ycle codes. The IPA model predicts real worth or asset value of the household. IPA is designed to provide a very powerfu way to measure affluent segments. The model takes into consideration that as Americans get wealtheir, their asset holdings change. The model estimates affluence at the household level within certain ranges.

P$ycle Income producing Assets:

  More than $2,000,000

  $1,000,000 - $1,999,999

  $750,000 - $999,999

  $500,000 - $749,999

  $250,000 - $499,999

  $100,000 - $249,999

  $ 50,000 - $ 99,999

  $ 25,000 - $ 49,999

  $ 0 -  $24,999

For counts and additional information about how P$ycle can help target the right prospects for a particular offer, please call our office at (800) 771-3282 or e-mail us today!