Behavioural Characteristics and Financial Distress



Table 3: Quiz Material 1

Ms. J Bloggs

Sheet

008

Account

Number

02-82-03

47493555

Bristol Bank

Green Street

Forest Glade

RR9 5AT

DATE

DETAILS

PAID OUT

PAID IN

BALANCE

01-Feb-05

Balance Brought Forward

25.00

01-Feb-05

Bacs Transfer Salary

1000

01-Feb-05

DD

Electricity Board

30.00

995.00

02-Feb-05

DD

Car Insurance

50.00

XXX Bank Forest Glade High

02-Feb-05

ATM

Street

150.00

795.00

04-Feb-05

CHQ

100009

35.00

760.00

06-Feb-05

DD

XXX Mobile Phone Company

30.00

730.00

10-Feb-05

DD

XXX Mortgage Bank

200.00

530.00

XXX Bank Forest Glade High

12-Feb-05

ATM

Street

120.00

410.00

15-Feb-05

SO

New Building Society

50.00

360.00

20-Feb-05

CHQ

100010

300.00

60.00

28-Feb-05

CR

Net Interest

1.00

61.00

28-Feb-05

Balance Carried Forward

61.00

Key to Abbreviations

DD

Direct Debit

ATM

ATM Cash Withdrawal

CHQ

Cheque

SO

Standing Order

CR

Automated Credit

Respondents were also presented with a line graph (Figure 1), which shows how four
different investment funds performed over time. The following questions were posed in
relation to this graph:

(3) This chart shows how a £10,000 investment would have performed in differ-
ent types of investment funds over the last seven years. Assuming that fees and
charges are the same for all funds, which fund gave the best return after seven
years?

(4) And which would have been the best fund to have chosen if you had to
withdraw your money after four years?

10



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