I have previously made comments regarding the intended survey, and, as much as the intent is to make it simple, by its very nature it will produce conflicting results because the parameters are open to interpretation. As an example I will answer your 1st 3 questions:-
House R 1.6 million (municipal valuation)
Car R400,000 (purchased in 2014 for R 650,000 deflated for loss of value over time)
Outstanding debt bond R34,000 and car loan R 94,000 - R 128,000
Realistically my house has no worth to my estate until I die nor my car as it is a depreciating asset so it does not constitute any part of what I can net wealth
Also with point 5 - my pension which I receive monthly merely enables me to live comfortably and I don't have to look elsewhere to augment the pension to survive, and there is scope within that pension to meet all my monthly commitments, and ultimately save funds to service all my debt, and make annual capital reductions on my motor vehicle. My bond is in place with the above outstanding amount due to me making a large capital reduction on the car, and my bond is also used when I want to buy shares on the open market
So if I plugged in all my numbers I think it will skew your survey and I don't doubt that others on this forum will also skew the results and it will be life cycle based. Without being unkind even the fact that you have been unemployed for 2 years will skew the results probably the other way - so if you are trying to get a creditable dispersion - then you won't
Needless to say forge on with your survey and lets see what the results show
