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Claritas Income Producing Assets (IPA)

A distinguishing feature of Claritas P$YCLE is its use of the Claritas Income Producing Assets (IPA) Indicators, a proprietary model that measures the liquid asset base of a household. This measure of wealth focuses on cash, demand deposits, money markets, stock and mutual funds, and other asset classes that are relatively easy to redeem and liquidate. The Claritas IPA Indicators measures do not include the value of the household's personal residences or other properties, but do account for products such as individual retirement accounts, 401K's and other retirement plans.

Multiple refinements to the IPA model allow it to provide a better contextual framework than earlier models. While P$YCLE's 58 segments were determined by one of three IPA ranges at a high level, improvements to the IPA model allowed the identification of seven IPA classes for use within P$YCLE or on their own via Claritas IPA and Net Worth coding products:

  • Millionaires, where average IPA is greater than $1 million
  • Elite, where average IPA is greater than $450,000
  • High, where average IPA is between $250,000 and $450,000
  • Above average, where average IPA is between $100,000 and $250,000
  • Moderate, where average IPA is between $50,000 and $100,000
  • Below average, where average IPA is between $25,000 and $50,000
  • Low, where average IPA is less than $25,000

IPA is combined with the Claritas P$YCLE Lifestage Groups classifications to form the framework for the P$YCLE group typology.

Learn more about P$YCLE's financial behavior insights, call 800.234.5973.

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Questions about how Claritas Segmentation can find customers to grow your business?

Email or call: 800.234.5973