About 46% of U.S. adults feel good or very good about their personal financial situation, but only 17% feel the U.S. financial situation will be very good or rather good over the next 12 months.

Researchers at Allianz Life Insurance Company of North America, Golden Valley, Minn., a unit of Allianz S.E., Munich, Germany, have released those figures in a summary of results from a recent telephone survey of about 1,000 adults ages 18 and older who live in the continental United States.

Other financial services company attitude surveys have found that most participants say they plan to make few changes to their investment allocations.

The researchers who conducted the Allianz Life survey, which was fielded in October and November, found that 54% of participants said they expect to keep more cash reserves in their banking accounts over the next 12 months.

But 15% said they want to increase investments in life insurance and annuities, and 17% said they want to increase investments in stocks, the researchers report.