去年美国居民财富增加了13.5万亿美元,但是你真的变富裕了吗?

Shang_Ri_La
楼主 (北美华人网)
当大家都变“富”,怎么定义“富”呢? 还是美元向着金圆券的方向演进的表象?
During Covid-19, Most Americans Got Richer—Especially the Rich U.S. households gained $13.5 trillion in wealth in 2020. That isn’t how recessions usually work. By Orla McCaffrey and Shane Shifflett June 27, 2021 7:00 am ET

The coronavirus pandemic plunged Americans into recession. Instead of emerging poorer, many came out ahead.
U.S. households added $13.5 trillion in wealth last year, according to the Federal Reserve, the biggest increase in records going back three decades. Many Americans of all stripes paid off credit-card debt, saved more and refinanced into cheaper mortgages. That challenged the conventions of previous economic downturns. In 2008, for example, U.S. households lost $8 trillion.

In some ways, the singularity of the Covid-19 recession—and the recovery—shouldn’t surprise. The scope of the pandemic was unprecedented in the modern era.
So was the government’s financial response. The U.S. borrowed, lent and spent trillions of dollars to keep the economy from plunging further than it did. These actions were at the center of the unusual nature of both the recession and the recovery. They have also powered much of the stock market’s unexpected boom. Rock-bottom interest rates lured more investors into stocks; workers stuck at home tried their hand at trading and tech giants gained even more ground during the shutdown.
The stock market, in turn, became the driver of the household wealth gain, accounting for nearly half the total increase.

That has produced a lopsided distribution of the wealth gains, since well-off households are more likely to own stocks. More than 70% of the increase in household wealth went to the top 20% of income earners. About a third went to the top 1%.
The gains were even more heavily concentrated at the top when Americans were grouped by wealth instead of income. (Wealth is calculated by subtracting a household’s liabilities—like mortgages and college debt—from assets such as homes and stock-market investments).

Stay-at-home orders sent the economy into a free fall at the start of the pandemic, but the shock proved short.
Americans with higher-income jobs fared especially well. Many white-collar employees were able to work from home, and they saved money by not commuting or eating out. The government’s stimulus checks and expanded unemployment benefits kept afloat restaurant servers, housecleaners and others in low-wage service jobs who got laid off.
Many lower-income workers came out ahead. By October 2020, for example, household checking-account balances of the bottom 25% of income earners had risen roughly 50% from the year before, according to the JPMorgan Chase Institute. But much of their wealth increase came in the form of stimulus checks and unemployment benefits, which will peter out as the economy recovers.
And many low-wage jobs are still gone. As of April 2021, jobs paying more than $60,000 had grown about 2% compared with January 2020 levels, according to Opportunity Insights, a research group based at Harvard University. Jobs paying less than $27,000 had fallen nearly 24%.

The Americans who gained the most during 2020 were the ones who had much more wealth to begin with. Houses, stocks and retirement accounts—which wealthier people are more likely to own—soared in value, and those boosts are likely to endure.

Economists didn’t initially expect things to work out this way. For example, when the pandemic first hit the U.S., stocks spiraled. Then the Fed slashed interest rates to near-zero, launched an array of emergency lending programsand began large-scale purchases of government debt. Investors piled into stocks, no longer fearing that credit markets would freeze. A handful of tech giants, benefiting from a stay-at-home economy, carried the entire market higher.
In the second half of the year, the S&P 500 notched new records on 33 occasions. Rising stock prices accounted for close to 44% of the overall growth in household wealth in 2020.
Home prices, which are prone to fall during economic setbacks, soared instead. Houses were already in short supply, but the pandemic juiced demand and made the shortage more acute.
The median sales price of an existing home surpassed $300,000 last year for the first time and has continued to soar, topping $350,000 in May. The price gains and low rates have been a boon for homeowners, many of whom pocketed cash from their homes or saved money by refinancing into lower interest rates.
The surging prices have also pushed homeownership out of reach for many lower-income families and first-time buyers. Economists expect price growth to moderate in 2021 but not for home prices to fall.

Meanwhile, the aid that helped Americans get through the past 15 months has started to fade. States have begun reducing unemployment benefits. Three months have passed since the last round of stimulus checks. Measures that allow borrowers to postpone mortgage and student-loan payments are set to expire.
Those who missed out on wealth creation during the pandemic will be less equipped to weather the next major strain on their finances. In 2020, more than a third of adults said they might not be able to cover a sudden $400 expense in cash, according to the Fed.
Stimulus checks and expanded benefits helped keep afloat restaurant servers and other service workers hit by Covid-19 shutdowns. PHOTO: JOHN TLUMACKI/BOSTON GLOBE/GETTY IMAGES
h
heartone
数据归数据,就我小家庭来说,确实变富裕了。
yolandos
这次pandemic,我的收获是学会自己印钱了
ppcat007
房产的数字变大了
m
manoe
纸上富贵,股票和自住房都涨了,但没法变现啊。日常开支也涨了,所以说实际财富是缩水的。再来个08年经济危机的话就立刻打回原形。
s
sunychen23
觉得美元是金圆券的赶紧把美国出手阿,毛币现在坚挺的很16年以来中国人真的更富裕了?
Shang_Ri_La
纸上富贵,股票和自住房都涨了,但没法变现啊。日常开支也涨了,所以说实际财富是缩水的。再来个08年经济危机的话就立刻打回原形。
manoe 发表于 2021-06-27 09:59

你说的应该就是common sense 但我们活在一个非常的时代,常识可能不灵
julie2020
我只能说幸好去年买了房
Shang_Ri_La
我认为,所谓的财富效应,完全由下面的因素所造成
789
纸上富贵,股票和自住房都涨了,但没法变现啊。日常开支也涨了,所以说实际财富是缩水的。再来个08年经济危机的话就立刻打回原形。
manoe 发表于 2021-06-27 09:59

自住房无法变现可以理解,为什么股票不能变现?
Shang_Ri_La
自住房无法变现可以理解,为什么股票不能变现?
789 发表于 2021-06-27 10:47

变现了又能怎样? 不花出去,就更接近废纸了
crystalhuang
我不喜欢光攒钱不用,所以去年一年给家里升级了不少东西,感觉生活质量的确提高了一些。
lovedarren
拉倒吧,没觉得。
大衣被禁
变现了又能怎样? 不花出去,就更接近废纸了
Shang_Ri_La 发表于 2021-06-27 10:48

那就花出去呗
R
Riesling2
資本主義的本質就是錢生錢,富人靠投資越來越有錢,很自然的事情,這也是一般美國的生財之道。最近投資的增長比通脹大得多,沒什麼好焦慮的,這裏的華人都是賺幾十萬一百萬的,都在top的1%,應該慶祝自己活過了pandemic:-)
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heartone
变现了又能怎样? 不花出去,就更接近废纸了
Shang_Ri_La 发表于 2021-06-27 10:48

那就花出去啊?
到底是怎么一个逻辑?
Shang_Ri_La
那就花出去啊?
到底是怎么一个逻辑?
heartone 发表于 2021-06-27 11:39

花哪里? 几万亿的量级 都堆到实物上 那就是恶性通胀
crystalhuang
花哪里? 几万亿的量级 都堆到实物上 那就是恶性通胀
Shang_Ri_La 发表于 2021-06-27 11:44

那您的建议是,把现金放在银行里不投资不花钱躺平?
Shang_Ri_La
那您的建议是,把现金放在银行里不投资不花钱躺平?
crystalhuang 发表于 2021-06-27 11:47

cash is trash 其它自定
vbman
每次危机,只要不恐慌保持投资,或者追加,都是赢家。想去去年这里有人发帖,预测第一波第二波的,好笑!
liunicv
我没分到 股市去年倒是赚了,今年又亏了 这钱都流入top 100的巨富手里了
heartinny
算了一下,华人每户应该增加五十万财产一年才到平均数。
好了,大家排队吧。
公用马甲5
因为疫情父母不能来帮带娃,所以从去年起就请了nanny,一个月6000多刀的支出。即便是这样,去年存下的钱还是比前年多,股票稍微涨一涨就cover了nanny的支出。看版上一堆为带娃累到吐血鸡飞狗跳的,越发觉得钱就要该花的时候就得花,存着以后就不值钱了。看《我爱我家》里面94年北京一个住家保姆一个月才100块,你说你把一个月100块存到现在能买什么?当时买房又不够,还不如当时买了服务提升生活质量。
j
jajabin
算了一下,华人每户应该增加五十万财产一年才到平均数。
好了,大家排队吧。
heartinny 发表于 2021-06-27 12:44

3.3亿人口,平均每人四万。 五十万是怎么算出来的?
pureaqua
这次pandemic,我的收获是学会自己印钱了
yolandos 发表于 2021-06-27 09:28

赞👍
ShinyPikachu
Paper gains
789
变现了又能怎样? 不花出去,就更接近废纸了
Shang_Ri_La 发表于 2021-06-27 10:48

那就是“不想变现”,不要抱怨“不能变现”
heartinny
回复 24楼jajabin的帖子
一亿家庭,华人算top 20%
公用马甲9
回复 1楼Shang_Ri_La的帖子
我们小家的确去年资产增加挺多的。2020年1月我们我们有$1.5m,今年1月我们有2.3m,现在有2.78m。 这不包括国内的资产,也不包括美国的房产。
emma67
确实富了 我们家股票涨了100% 不过最近没什么需要花钱的地方 所以没取出来
ReesWitherspoon
算了一下,华人每户应该增加五十万财产一年才到平均数。
好了,大家排队吧。
heartinny 发表于 2021-06-27 12:44

去年和2019买了房的, 很多人都超过了. 我们过去一年没买的, 自然不能比.
ReesWitherspoon
查了下, 自住房value增加了不少. 加上股票, 还可以吧.
demantoid
觉得美元是金圆券的赶紧把美国出手阿,毛币现在坚挺的很16年以来中国人真的更富裕了?
sunychen23 发表于 2021-06-27 10:02

我还真运了些钱回国投资,分散风险
开心闲人
不怎么买衣服,化妆品,外面餐馆吃,不旅游,的确增加财富了!
dpdpdp
这就是躺赢!疫不能停,越躺越富。