Mass Affluent $100,000 - $1 MillionFinancial Cohorts classifies consumers into clusters based on a multi-dimensional framework including financial capacity, investment style and householder demographics. The clusters are then placed into standard groups within broad asset ranges. All clusters in the ‘Mass Affluent’ tier show estimated investable asset values between $100K and $1 Million.
Hover over the underlined cluster name or icons for more information.
E17. Planners
Young married couples and families with fair assets and income. Hold relatively complex, high-risk investments. Many lines of credit, but low credit utilization.
% of HHs: 1.1%
Assets: $201.1K
Income: $146.6K
Spending: $78.5K
Credit Use: Moderate
E18. Credit Dependent
Households with moderate assets and several high-risk investments. Heavily dependent on credit. Some likely paying off student loans.
% of HHs: 0.4%
Assets: $152.6K
Income: $87K
Spending: $39.9K
Credit Use: High
E19. Mixed Investments
Professional college graduates enjoying good earnings and assets. Manage credit accounts well and have a mix of generally higher risk investments.
% of HHs: 1.1%
Assets: $176.7K
Income: $111.8K
Spending: $54.4K
Credit Use: Low
E20. Thriving Investors
Thirty-something professionals with significant earnings and assets. Have complex and diversified portfolios. High discretionary spending and relatively low use of credit.
% of HHs: 0.7%
Assets: $560.7K
Income: $179.2K
Spending: $143.2K
Credit Use: Low
F21. Credit-Active Investors
Educated, possibly married, professionals with kids. Moderate assets and income. Highly leveraged. Maintain moderate credit scores. Fairly risky portfolio.
% of HHs: 1.3%
Assets: $198.9K
Income: $103.9K
Spending: $42.4K
Credit Use: High
F22. Retirement Planners
Professional families with healthy assets, income and spending. Complex portfolios, focused on retirement planning. Maintain many credit relationships.
% of HHs: 3.3%
Assets: $264.1K
Income: $154.3K
Spending: $61.9K
Credit Use: Moderate
F23. Savers
Professional families and singles, savers with fair assets and income. Conservative investors with a retirement plan. Maintain low credit balances relative to income.
% of HHs: 2.4%
Assets: $190.4K
Income: $108.8K
Spending: $43.9K
Credit Use: Low
F24. Investors
Somewhat risk-tolerant families seeking a diverse, complex portfolio. “Swayable Shopaholics” that prefer to buy the best. High assets and low credit utilization.
% of HHs: 2.7%
Assets: $653.8K
Income: $179.7K
Spending: $104.2K
Credit Use: Low
G25. Credit-Active Investors
Heavy credit users with multiple credit lines/accounts. Pre-retirement couples with complex portfolios. Moderate assets and incomes.
% of HHs: 0.6%
Assets: $208.2K
Income: $87.6K
Spending: $35.6K
Credit Use: High
G26. Savers
Mature, financially secure, somewhat risk averse, savers. Use credit minimally. Married couples and singles ready for retirement.
% of HHs: 1.5%
Assets: $175.1K
Income: $105.4K
Spending: $39.2K
Credit Use: Moderate
G27. Retirement Planners
Married homeowners with good assets and earnings. Portfolios consist of higher-risk mutual funds and stocks. Manage credit well. Planning for retirement.
% of HHs: 1.5%
Assets: $283.4K
Income: $128K
Spending: $43.5K
Credit Use: Moderate
G28. Investors
Married, childless households with high assets and incomes. Maintain good credit and complex portfolios. Risk-tolerant.
% of HHs: 1.8%
Assets: $669K
Income: $161.8K
Spending: $68.9K
Credit Use: Low
H29. Post-Retirement Mix
Retirees with adequate assets and income. Financially well organized and spend modestly. Conservative investors with many credit lines but low utilization.
% of HHs: 2.7%
Assets: $187.2K
Income: $89.6K
Spending: $34.7K
Credit Use: Moderate
H30. Very Elderly
Older households with healthy assets and income. Low credit utilization. Spend little and prefer face-to-face financial transactions.
% of HHs: 1.6%
Assets: $408.5K
Income: $79K
Spending: $33.5K
Credit Use: Low
H31. Complex Investments
Highly educated singles and couples with a complex portfolio and significant assets. Conservative spenders that rarely max out their credit.
% of HHs: 2.8%
Assets: $634.1K
Income: $133K
Spending: $52.1K
Credit Use: Low
N48. Deposits and Credit
Singles and couples with low incomes and fairly complex portfolios that include mutual funds, stocks, annuities and deposits. Multiple lines of credit.
% of HHs: 0.8%
Assets: $194K
Income: $68K
Spending: $32.3K
Credit Use: High
N49. Older Conservative
Couples and singles in small cities with portfolios comprised of interest-bearing deposits and a few funds. Disciplined spenders who use credit cards infrequently.
% of HHs: 1.5%
Assets: $239.9K
Income: $90.1K
Spending: $34.4K
Credit Use: Low
N50. Retirement Planners
Retirement-focused families. Comfortable with moderate risk and invest mainly in mutual funds. Active credit card users but maintain low balances.
% of HHs: 1.4%
Assets: $230.9K
Income: $128.5K
Spending: $54.4K
Credit Use: Moderate
N51. Older Investors
Married, risk tolerant couples with high assets and incomes. Keep assets in stocks and mutual funds. Low credit usage.
% of HHs: 1.4%
Assets: $666K
Income: $131.5K
Spending: $52.7K
Credit Use: Low
Q58. Older Conservative
Elderly homeowners living off their assets. Have relatively low incomes and a conservative investment mix. May carry a low credit card balance.
% of HHs: 2.3%
Assets: $193.1K
Income: $72.8K
Spending: $32.1K
Credit Use: Moderate
Q59. Retirement Planners
Families with good incomes and a fairly complex investment mix, mainly in mutual funds. Fairly risk tolerant and manage credit well.
% of HHs: 1.8%
Assets: $234.9K
Income: $97.8K
Spending: $47.8K
Credit Use: Moderate
Q60. Older Investors
Educated retirees with a complex investment mix. Manage finances well and stick to a budget. Risk tolerant. Very low credit utilization.
% of HHs: 1.8%
Assets: $585.7K
Income: $103.5K
Spending: $44K
Credit Use: Low