Workflow
关税和经济衰退担忧下,美国人正在“报复性储蓄”?
Di Yi Cai Jing·2025-06-30 14:07

Group 1 - The core trend among American consumers is shifting from "revenge spending" to "revenge saving," indicating a reduction in spending to rebuild savings [1][6] - A recent survey by Vanguard shows that 71% of Americans plan to adjust their savings strategies this summer, prioritizing emergency savings and flexibility [1][6] - The personal savings rate in the U.S. has increased from 3.5% in December last year to 4.5% in May this year, reflecting a growing trend towards saving [1][3] Group 2 - Concerns over tariffs, inflation, job security, and market volatility are driving consumers to cut spending and increase savings [1][9] - The consumer confidence index from the Conference Board dropped significantly, indicating heightened anxiety among consumers regarding the economic outlook [7][8] - A Santander Bank survey revealed that 45% of Americans have increased their emergency savings, with 53% expressing greater concern about inflation compared to earlier in the year [6][9] Group 3 - The trend of "revenge saving" is also reflected in the increased contributions to 401(k) plans, with Fidelity reporting a record high savings rate of 9.5% in Q1 2025 [12] - Nearly half of the participants in a Vanguard study have raised their savings rates, indicating a shift towards more cautious financial behavior [12] - Economic uncertainty, including potential job losses related to government spending cuts, is prompting consumers to accumulate cash for unexpected costs [10][11]