Você está na página 1de 5



$PHULFDV0LGGOH&ODVV,V1R/RQJHUWKH0DMRULW\5HDO7LPH(FRQRPLFV:61HZV4XRWHV&RPSDQLHV9LGHRV

6($5&+

6LJQ,Q

%86,1(66

0,1,080:$*(
+27723,&6
SP(7
'HF

(03/2<0(17

:6-(&2120,676859(<

-2%6

('8&$7,21

(&2120<

(&2120<

5ThingstoWatchon
theEconomic
Calendar

WhyWealth
InequalityIsWay
MoreComplicated
ThanJustRichand
Poor

,1)/$7,21

)('

('8&$7,21

,1(48$/,7<

,1(48$/,7<

35(9,286

AmericasMiddleClassIsNoLonger
theMajority

LookWhosSpending
Less:HigherEarning,
OlderAmericans

1(;7

ARisingShareof
WorkingWomenHad
FullTimeJobsLastYear

6($5&+5($/7,0((&2120,&6

$57,&/(
,1&20(',63$5,7<

*2

&200(176 

,1&20(,1(48$/,7<

0,''/(&/$66

3(:5(6($5&+&(17(5

:($/7+

/DWHVW(FRQRP\1HZV

:($/7+*$3


%\  - $1 (7 $' $0<

-DVRQ3URVVHUSLFNVXSKLVVRQ=DFKDU\IURPGD\FDUHODVW\HDULQ6HD7DF:DVK3URVVHUDQGKLVZLIHDUH
RQHRIPDQ\PLGGOHFODVVFRXSOHVVWUXJJOLQJZLWKJURZLQJFRVWVIRUKHDOWKFDUHDQGKRXVLQJDVWKHLULQFRPH
VWDJQDWHG 7('6:$55(1$662&,$7('35(66

7KHPLGGOHFODVVLVQRORQJHUWKHPDMRULW\LQ$PHULFD
7KDWVWKHILQGLQJRID3HZ5HVHDUFK&HQWHUUHSRUWUHOHDVHG:HGQHVGD\GHWDLOLQJKRZ
LQFRPHVDQGZHDOWKKDYHFKDQJHGLQWKH86RYHUPRUHWKDQIRXUGHFDGHV
7KHUHZHUHPLOOLRQDGXOWVLQPLGGOHLQFRPHKRXVHKROGVLQHDUO\FRPSDUHG
ZLWKPLOOLRQLQORZHUDQGXSSHULQFRPHKRXVHKROGVFRPELQHG,WVWKHILUVW\HDU
VLQFHWKHQRQSDUWLVDQUHVHDUFKHQWLW\EHJDQWUDFNLQJWKLVGDWDDURXQGWKDWWKH
ODWWHUWRWDOGZDUIHGWKHPLGGOHLQFRPHILJXUH

$ERXW5HDO7LPH(FRQRPLFV
5HDO7LPH(FRQRPLFVRIIHUVH[FOXVLYHQHZVDQDO\VLVDQG
FRPPHQWDU\RQWKH86DQGJOREDOHFRQRP\FHQWUDOEDQN
SROLF\DQGHFRQRPLFV6HQGQHZVLWHPVWLSVFRPPHQWVDQG
TXHVWLRQVWRUHDOWLPHHFRQRPLFV#ZVMFRP
/HDUQPRUHDERXWWKHWHDPDQGIROORZXVRQ7ZLWWHU
5HDGPRUH:6-(FRQRPLFVFRYHUDJH

KWWSEORJVZVMFRPHFRQRPLFVDPHULFDVPLGGOHFODVVLVQRORQJHUWKHPDMRULW\"PRG EORJBIO\RYHU





$PHULFDV0LGGOH&ODVV,V1R/RQJHUWKH0DMRULW\5HDO7LPH(FRQRPLFV:66LJQXSIRUWKH5HDO7LPH(FRQRPLFVGDLO\QHZVOHWWHUDQG
IROORZ#:6-HFRQ
6LJQXSIRU:6-3UR&HQWUDO%DQNLQJQHZVOHWWHU)ROORZ
#:6-&HQWUDO%DQNV
)ROORZ

5HDO7LPH(FRQRPLFVRQ7ZLWWHU

5HDO7LPH(FRQRPLFV&DWHJRULHV
)HG



(&%



*OREDO



FHQWUDOEDQNLQJ



&UHGLW&ULVLV



)HGHUDO5HVHUYH



(PSOR\PHQW



86



%XVLQHVV&\FOHV



*'3



&RQVXPSWLRQ



(FRQRP\ %XVLQHVV



,QIODWLRQ



%XGJHWV



(FRQRP\



9LWDO6LJQV



7UDGH



0RQHWDU\3ROLF\



+RXVLQJ



0DQXIDFWXULQJ



3HZGXEEHGWKLVDSRVVLEOHWLSSLQJSRLQWLQWKHORQJHURVLRQRIWKH86PLGGOHFODVVEXW
LQUHDOLW\WKHGLYLVLRQRI$PHULFDQVLQFRPHSLHKDVORRNHGURXJKO\WKHVDPHIRUWKHODVW
ILYH\HDUV%HKLQGWKHGHFDGHVORQJVKLIWLVWKHLQFUHDVLQJFRQFHQWUDWLRQRILQFRPHDQG
ZHDOWKDPRQJWKHDIIOXHQW
3HZVVWXG\RIGDWDIURPWKH86&HQVXV%XUHDXDQGWKH)HGHUDO5HVHUYH%RDUGRI
*RYHUQRUVIRXQGWKDWWKHVKDUHRI86DGXOWVOLYLQJLQWKHXSSHULQFRPHWLHUJUHZPRUH
WKDQWKHVOLFHRIWKRVHOLYLQJLQORZHULQFRPHKRXVHKROGV
+LJKVNLOOHGZRUNHUVDUHLQFUHDVLQJO\IDYRUHGDQGLI\RXUHRIORZVNLOOOHVVHUHGXFDWLRQ
\RXUHYHU\OLNHO\WREHOHIWEHKLQGVDLG5DNHVK.RFKKDUDQDVVRFLDWHGLUHFWRUIRU
UHVHDUFKDW3HZ
7KHQDWLRQVVKULQNLQJPLGGOHFODVVLVDNH\LVVXHVKDSLQJWKHSUHVLGHQWLDO
FDPSDLJQZLWK9HUPRQW6HQ%HUQLH6DQGHUVFHQWHULQJKLVFDQGLGDF\RQLQFRPH
LQHTXDOLW\$:DOO6WUHHW-RXUQDO1%&1HZVSROOLQ-DQXDU\IRXQGWKDWRI
UHVSRQGHQWVFRQVLGHUHGUHGXFLQJLQFRPHLQHTXDOLW\DQDEVROXWHSULRULW\IRUWKH
JRYHUQPHQWWRSXUVXHWKLV\HDUZLWK'HPRFUDWVSODFLQJIDUJUHDWHULPSRUWDQFHRQLW
WKDQ5HSXEOLFDQV
3HZGHILQHGDW\SLFDOPLGGOHLQFRPHKRXVHKROGDVRQHZLWKWKUHHSHRSOHWKDWHDUQHG
EHWZHHQDQGLQ

KWWSEORJVZVMFRPHFRQRPLFVDPHULFDVPLGGOHFODVVLVQRORQJHUWKHPDMRULW\"PRG EORJBIO\RYHU





$PHULFDV0LGGOH&ODVV,V1R/RQJHUWKH0DMRULW\5HDO7LPH(FRQRPLFV:6-

$ORZHVWLQFRPHKRXVHKROGRIWKUHHOLYHGRQDERXWRUOHVVDQGDORZHUPLGGOH
LQFRPHKRXVHKROGOLYHGRQDERXWWRWKDW\HDU$QXSSHUPLGGOHLQFRPH
KRXVHKROGZLWKWKUHHSHRSOHOLYHGRQDERXWWRDQGDKLJKHVWLQFRPH
KRXVHKROGOLYHGRQPRUHWKDQLQ
7KHSRUWLRQRI86DGXOWVOLYLQJLQPLGGOHLQFRPHKRXVHKROGVIHOOWRLQIURP
LQ7KHRYHUDOOVKDUHRIWKHXSSHULQFRPHWLHULQFUHDVHGWRIURP
WKHQZKLOHWKHRYHUDOOSRUWLRQRIORZHULQFRPHKRXVHKROGVLQFUHDVHGWRIURP
:LWKLQWKDWWKHH[WUHPHHQGVRIWKHLQFRPHVSHFWUXPKDYHJURZQWKHPRVW7KLV\HDU
RI$PHULFDQDGXOWVDUHLQWKHYHU\ORZHVWLQFRPHWLHUXSIURPLQ2QWKH
RWKHUVLGHDUHLQWKHDEVROXWHKLJKHVWLQFRPHWLHUPRUHWKDQGRXEOHWKHVKDUHLQ

$PRQJWKHGHPRJUDSKLFJURXSVWKDWVWRRGRXWDUHSHRSOHDJHDQGROGHU7KLVDJH
JURXSZDVWKHRQO\RQHWKDWKDGDVPDOOHUVKDUHLQWKHORZHULQFRPHWLHULQWKDQLQ
3HZIRXQG7KDWVLQSDUWEHFDXVHPRUHVHQLRUVDUHZRUNLQJDQG6RFLDO6HFXULW\
FKHFNVDUHKHOSLQJNHHSWKHPDIORDW
5HODWHGUHDGLQJ
:HDOWK*DSEHWZHHQ$PHULFDV5LFKDQG0LGGOH&ODVV)DPLOLHV:LGHVWRQ5HFRUG
+RZWR6DYH/LNHWKH5LFKDQGWKH8SSHU0LGGOH&ODVV +LQW,WV1RW:LWK<RXU
+RXVH
:KDW,VWKH0LGGOH&ODVV$Q\ZD\"$/RRNDW2EDPDV)RFXVRQ0LGGOH&ODVV
(FRQRPLFV
+RZ'R<RX'HILQH0LGGOH&ODVV"3HRSOH:KR0DNH:KDW,'R
:K\:HDOWK,QHTXDOLW\,V:D\0RUH&RPSOLFDWHG7KDQ-XVW5LFKDQG3RRU



)ROORZ#:6-HFRQ

.IROORZHUV

)ROORZ#:6-&HQWUDO%DQNV

IRUHFRQRPLFQHZVDQGDQDO\VLV

.IROORZHUV

IRUFHQWUDOEDQNLQJQHZVDQGDQDO\VLV

*HW:6-HFRQRPLFDQDO\VLVGHOLYHUHGWR\RXULQER[
6LJQXSIRUWKH5HDO7LPH(FRQRPLFVGDLO\VXPPDU\
,1&20(',63$5,7<

,1&20(,1(48$/,7<

0,''/(&/$66

3(:5(6($5&+&(17(5

:($/7+

:($/7+*$3
35(9,286

LookWhosSpendingLess:Higher
Earning,OlderAmericans

1(;7

ARisingShareofWorkingWomenHad
FullTimeJobsLastYear

KWWSEORJVZVMFRPHFRQRPLFVDPHULFDVPLGGOHFODVVLVQRORQJHUWKHPDMRULW\"PRG EORJBIO\RYHU





$PHULFDV0LGGOH&ODVV,V1R/RQJHUWKH0DMRULW\5HDO7LPH(FRQRPLFV:6-

Earning,OlderAmericans

FullTimeJobsLastYear

5($/7,0((&2120,&6+20(3$*(



6321625('/,1.6

+LJK,QWHUHVW6DYLQJV$FFRXQWV

%HVW$QQXLW\5DWHV

,QGH[)XQGVWR,QYHVWLQ

6WRFNVWR,QYHVW,Q

7RS689V

%HVW5HWLUHPHQW,QYHVWPHQWV

7RS+\EULG&DUV

&DU/HDVH6SHFLDOV

%HVW&ORXG6WRUDJH3URYLGHUV

6DIH5HWLUHPHQW,QYHVWPHQWV

$GGD&RPPHQW
1$0(

:HZHOFRPHWKRXJKWIXOFRPPHQWVIURPUHDGHUV3OHDVH
FRPSO\ZLWKRXUJXLGHOLQHV2XUEORJVGRQRWUHTXLUHWKH
XVHRI\RXUUHDOQDPH

&200(17

&/($5  3267

&RPPHQWV RI

9LHZDOO&RPPHQWV

DP'HFHPEHU

#*HWWKLVVWUDLJKWZURWH
5HDG*HWWKLVVWUDLJKWZKLFKVD\VLWDOOZKHWKHU\RXZDQWWRXQGHUVWDQGUHDOLW\RUQRW
DP'HFHPEHU

3HWHZURWH
7KLVLVQ
WQHZV7KHFRUUXSW326WHUURULVWFXUUHQWO\LQWKH:KLWH+RXVHPDGHWKHPLGGOHFODVV
KLVWDUJHWZKHQLWFDPHWRFUXVKLQJRXUHFRQRP\
SP'HFHPEHU

ZLOGLQGLDQZURWH
1RZZHKDYHFRSVNLOOLQJEODFNPHQPXVOLPVDQGDIHZFUD]LHVNLOOLQJWKHUHVW,QGXVWU\
JDWKHUHGWKHMREVHHNHUVWRWKHLQGXVWULDOWRZQVFUHDWLQJODQGORUGERRPV'HPDQGLQJKDUGZRUN
ZLWKMXVWJHWWLQJE\ZDJHVIRUIDPLOLHVWRVXUYLYHRQ8QLRQVDQGWKHPREVSXWWLQJWKHFRVWRI
ZDJHVDQGGRLQJEXVLQHVVZD\RYHUWKHWRS0DMRUEXVLQHVVHVDEDQGRQHGWKHLUZRUNHUVPRYHG
RYHUVHDVDQGJUDEDJUHDWERWWRPOLQHIURPPDUNHWLQJLQWKH86,QWKHLQQHUFLWLHVWKRVH
ODQGORUGVEHFRPHVOXPORUGV1RMREVFUHDWHPXFKPRUHFULPHSHRSOHDVNZK\IDPLOLHVGRQ
W
PRYH3UHMXGLFHNHHSV%ODFN$PHULFDQ
VVWDJQDQWLQRXUVRFLHW\7KH\GRQ
WKDYHPRQH\WR
FKDQJHWKHLUOLYHV7KRVHZKRKDYHMREVFRPSODLQDERXWRWKHUVRQZHOIDUHV\VWHPV:KHQ
WKHUHLVQRRWKHUZD\WRVXUYLYHWKDW
VZKDW\RXGR2XUJRYHUQPHQWZDWFKHGWKRVHMREVJR
RYHUVHDVDQGZDWFKHGWKHSURILWVJRRIIVKRUH5HVXOWVDUHGUXJJLQJWKXJJLQJDQGPXJJLQJ
SP'HFHPEHU

'0:ZURWH
'RHVDQ\RQHNQRZZK\WKLVLVVR",VLWDUHVXOWRIVKDULQJWKHZHDOWK",VWKDWJRRGIRU\RXU
IDPLO\"
SP'HFHPEHU

*HWWKLV6WUDLJKWZURWH
0DQ\RIXVZKRZHUHERUQLQWRWKHPLGGOHFODVVXVHGWKDWSRVLWLRQDVDVWDUWLQJSRLQWDQG
PRYHG83WKHHFRQRPLFODGGHU7KHJRYHUQPHQWVDGGOHGPHZLWKWKH$07UDFLDOSUHIHUHQFH
SURJUDPVWKDWDUHEODWDQWO\GLVFULPLQDWRU\DQGFRPSDQLHVVWDUWHGSURPRWLQJZRPHQMXV
EHFDXVHWKH\ZHUHZRPHQ$OORIWKHVHWKLQJVZHUHREVWDFOHVWKDW,KDGWRRYHUFRPH1RZZH

KWWSEORJVZVMFRPHFRQRPLFVDPHULFDVPLGGOHFODVVLVQRORQJHUWKHPDMRULW\"PRG EORJBIO\RYHU





$PHULFDV0LGGOH&ODVV,V1R/RQJHUWKH0DMRULW\5HDO7LPH(FRQRPLFV:6-

KDYHKRUGHVRIFXOWXUDOO\IDLOHGSHRSOHWKDWLQVLVWRQOLYLQJOLIHVW\OHVWKDWGHVWUR\WKHLU
RSSRUWXQLWLHVVRWKH\GRQ
WPRYHXS7KHQWKHVWXSLGGHPRFUDWVRIIHUWKHPIUHHVWXIIWKDW
JHQHUDWHGGLVLQFHQWLYHVIRUPRYLQJDKHDG1RWP\SUREOHPDQ\PRUH,XVHGWRFDUHDQGQRZ,
GRQ
W,
YHEHHQGHQLJUDWHGHQRXJKLQWKHSDVWVHYHQ\HDUVE\WKHFORVHWVRFLDOLVWGHPRFUDWV
DQGWKHLUEUDLQOHVVIROORZHUV,
P-XVWJRLQJWRVWD\VHYHUDOKXQGUHGWKRXVDQGGROODUVDZD\IURP
WKHPDQGUHWLUHLQ&RVWD5LFDLIWKDWLVZKDWLWWDNHV
3HRSOHDUHUHVSRQVLEOHIRWKHPVHOYHVDQGLWLVQ
WWKHJRYHUQPHQWVSODFHWRSURYLGHIRU\RX

:DOO6WUHHW-RXUQDO
)DFHERRN
7ZLWWHU /LQNHG,Q*RRJOH<RX7XEH
3 RGFDVWV

*RRJOH3OD\

$SS6WRUH

6XEVFULEH  6LJQ,Q

%DFNWR7RS

6XEVFULEH

&XVWRPHU6HUYLFH

7RROV )HDWXUHV

$GV

0RUH

:K\6XEVFULEH"

&XVWRPHU&HQWHU

(PDLOV $OHUWV

$GYHUWLVH

&RQIHUHQFHV

:6-

/LYH+HOS

*XLGHV

$GYHUWLVH/RFDOO\

&RQWHQW3DUWQHUVKLSV

&RUSRUDWH6XEVFULSWLRQV

5HGHVLJQ*XLGHG7RXU

0\1HZV

&RPPHUFLDO5HDO(VWDWH$GV

&RUUHFWLRQV

$SSV

3RUWIROLR

3ODFHD&ODVVLILHG$G

-REVDW:6-

3URIHVVRU-RXUQDO

566)HHGV

6HOO<RXU%XVLQHVV

0DNH7LPH

6WXGHQW-RXUQDO

7RSLFV

6HOO<RXU+RPH

1HZV$UFKLYH

9LGHR&HQWHU

5HFUXLWPHQW &DUHHU$GV

5HJLVWHUIRU)UHH

:DWFKOLVW

3ULYDF\3ROLF\

&RRNLH3ROLF\

&RS\ULJKW3ROLF\

'DWD3ROLF\

6XEVFULEHU$JUHHPHQW 7HUPVRI8VH

5HSULQWV

<RXU$G&KRLFHV

&RS\ULJKW'RZ-RQHV &RPSDQ\,QF$OO5LJKWV5HVHUYHG

KWWSEORJVZVMFRPHFRQRPLFVDPHULFDVPLGGOHFODVVLVQRORQJHUWKHPDMRULW\"PRG EORJBIO\RYHU



Você também pode gostar