Start with investing
Single Wave Study
General Information
Title
Start with investing
Project Number
450
Abstract
This study is about people’s willingness to start with investing.
Longitudinal Type
Single Wave Study
Begin date
05-09-2022
End date
27-09-2022
Topics
Researcher
Roos Molendijk (Rabobank)
Publisher
Centerdata
Copyright
© 2026 Centerdata
DOI
https://doi.org/10.57990/ttj8-9441
Funding Organization
ODISSEI,
OCW (Domeinplan SSH),
Rabobank
Datasets and documentation
View Documentation
Codebook in English
Codebook in Dutch
Data Files
English SPSS file
English STATA file
English CSV file
Variables
| Variable name | Variable Label |
|---|---|
| nomem_encr | Number of the household member encrypted |
| zf22a_m | Year and month of the field work period |
| zf22a001 | Permutation variable - Which answer option was shown first in question zf22a024? |
| zf22a002 | Permutation variable - Which answer option was shown second in question zf22a024? |
| zf22a003 | Permutation variable - Which answer option was shown third in question zf22a024? |
| zf22a004 | Permutation variable - Which answer option was shown fourth in question zf22a024? |
| zf22a005 | Condition - Which offer was shown to the panel member along with the first image? |
| zf22a006 | Condition - Which message was shown to the panel member along with the second image? |
| zf22a007 | Do you have any investments at this moment? |
| zf22a008 | Do you think that you will start investing / take up investing again in the future? |
| zf22a009 | Would you be able to set aside money to make investments? |
| zf22a010 | After seeing this offer, would you want to find out more about investing? |
| zf22a011 | Would you want to make use of this offer? |
| zf22a012 | Why would you not want to make use of this offer? |
| zf22a013 | What do you think about this offer? Unappealing - Appealing |
| zf22a014 | What do you think about this offer? Uninteresting - Interesting |
| zf22a015 | What do you think about this offer? Useless - Useful |
| zf22a016 | Do you find the offer easy or difficult to understand? |
| zf22a017 | Which part do you find difficult to understand? € 50 starting bonus |
| zf22a018 | Which part do you find difficult to understand? Managed investing |
| zf22a019 | Which part do you find difficult to understand? Our experts invest for you |
| zf22a020 | Which part do you find difficult to understand? Global spread |
| zf22a021 | Which part do you find difficult to understand? Choose any amount to start with |
| zf22a022 | Which part do you find difficult to understand? Something else |
| zf22a023 | Which part do you find difficult to understand? Something else, namely: |
| zf22a024 | How much time was there to accept the offer? |
| zf22a025 | How much time pressure do you feel when you look at this offer? |
| zf22a026 | How much time pressure to make a decision do you feel? |
| zf22a027 | It costs me a lot of time to figure out whether this offer is interesting for me. |
| zf22a028 | It costs me a lot of effort to figure out whether this offer is interesting for me. |
| zf22a029 | I have confidence that I can make a decision about this investment product before the offer lapses. |
| zf22a030 | If I want, it is easy for me to make a decision about this investment product before the offer lapses. |
| zf22a031 | Even if I try my hardest, I don’t think I will manage to make a decision about this investment product before the offer lapses. |
| zf22a032 | This offer limits my freedom of choice. |
| zf22a033 | The party making this offer is leaving the choice up to me. |
| zf22a034 | The party making this offer is trying to manipulate me. |
| zf22a035 | This offer puts pressure on me. |
| zf22a036 | Generally speaking, I am prepared to take risks |
| zf22a037 | I am prepared to take risks where money matters are concerned. |
| zf22a038 | When I have to do something before a certain date, I often do so at the last moment. |
| zf22a039 | When I have resolved to do something, I often keep postponing it. |
| zf22a040 | When I can do something right away, I often do so, even if there is enough time to do it later. |
| zf22a041 | I find information about investing difficult to understand. |
| zf22a042 | I am knowledgeable about investing. |
| zf22a043 | I think investing is very risky. |
| zf22a044 | I am very knowledgeable about money matters. |
| zf22a045 | Which of the following reasons underlie your choice not to invest? Investing is too risky |
| zf22a046 | Which of the following reasons underlie your choice not to invest? Investing is too expensive |
| zf22a047 | Which of the following reasons underlie your choice not to invest? I do not have enough knowledge to engage in investing |
| zf22a048 | Which of the following reasons underlie your choice not to invest? I would like to, but I don’t know where to start |
| zf22a049 | Which of the following reasons underlie your choice not to invest? Investing does not interest me |
| zf22a050 | Which of the following reasons underlie your choice not to invest? I don’t have any money to invest |
| zf22a051 | Which of the following reasons underlie your choice not to invest? I don’t have the time to learn about investing |
| zf22a052 | Which of the following reasons underlie your choice not to invest? I haven’t got around to it yet |
| zf22a053 | Which of the following reasons underlie your choice not to invest? Other |
| zf22a054 | Which of the following reasons underlie your choice not to invest? Other, namely: |
| zf22a055 | Why do you want to start investing / are you thinking about investing? I would like to stop working earlier |
| zf22a056 | Why do you want to start investing / are you thinking about investing? I want to save up for my children |
| zf22a057 | Why do you want to start investing / are you thinking about investing? I want to save up for myself |
| zf22a058 | Why do you want to start investing / are you thinking about investing? I would like to pay off my mortgage |
| zf22a059 | Why do you want to start investing / are you thinking about investing? I want to save up for a certain goal, e.g. traveling or buying a car |
| zf22a060 | Why do you want to start investing / are you thinking about investing? Other |
| zf22a061 | Why do you want to start investing / are you thinking about investing? I don’t know yet |
| zf22a062 | Why do you want to start investing / are you thinking about investing? Other, namely: |
| zf22a063 | Have you already looked into investing? |
| zf22a064 | After seeing this message, would you want to read more about investing? |
| zf22a065 | What do you think about this message? Unappealing - Appealing |
| zf22a066 | What do you think about this message? Uninteresting - Interesting |
| zf22a067 | What do you think about this message? Useless - Useful |
| zf22a068 | Do you find the message easy or difficult to understand? |
| zf22a069 | With which bank or banks do you have a checking account that you personally use? ING |
| zf22a070 | With which bank or banks do you have a checking account that you personally use? Rabobank |
| zf22a071 | With which bank or banks do you have a checking account that you personally use? ABN Amro |
| zf22a072 | With which bank or banks do you have a checking account that you personally use? SNS |
| zf22a073 | With which bank or banks do you have a checking account that you personally use? Fortis |
| zf22a074 | With which bank or banks do you have a checking account that you personally use? ASN Bank |
| zf22a075 | With which bank or banks do you have a checking account that you personally use? Regiobank |
| zf22a076 | With which bank or banks do you have a checking account that you personally use? Triodos Bank |
| zf22a077 | With which bank or banks do you have a checking account that you personally use? Knab |
| zf22a078 | With which bank or banks do you have a checking account that you personally use? A different bank |
| zf22a079 | With which bank or banks do you have a checking account that you personally use? I prefer not to say |
| zf22a080 | With which bank or banks do you have a checking account that you personally use? I do not have/use a checking account |
| zf22a081 | Which bank does the checking account that you use most often belong to? |
| zf22a082 | Was it difficult to answer the questions? |
| zf22a083 | Were the questions sufficiently clear? |
| zf22a084 | Did the questionnaire get you thinking about things? |
| zf22a085 | Was it an interesting subject? |
| zf22a086 | Did you enjoy answering the questions? |
| zf22a087 | Starting date questionnaire |
| zf22a088 | Starting time questionnaire |
| zf22a089 | End date questionnaire |
| zf22a090 | End time questionnaire |
| zf22a091 | Duration in seconds |
Response Information
Response Overview
Selected number of household members: 4,320 (100.0%)Non-response: 1,108 (25.6%)
Response: 3,212 (74.4%)
Complete (not target group): 2,294 (53.1%)
Complete (target group): 904 (20.9%)
Incomplete: 14 (0.3%)
Collection Events
Period
05-09-2022 to 27-09-2022
Sample
A random sample of panel members aged 18-65 was invited to participate in the selection-questions of the questionnaire. Only panel members who answered not to invest at the moment, but who were willing and able to invest in the future (the target group) were invited to complete the full questionnaire.
Collection Mode
Internet Survey
Fieldwork Note
A reminder was sent twice to non-respondents.