Home > Terms > 아르메니아어(HY) > կյանքի ցիկլի հիփոթեզ

կյանքի ցիկլի հիփոթեզ

An attempt to explain the way that people split their income between spending and saving, and the way that they borrow. Over their lifetime, a typical person’s income varies by far more than how much they spend. On average, young people have low incomes but big spending commitments: on investing in their human capital through education and training, building a family, buying a home, and so on. So they do not save much and often borrow heavily. As they get older their income generally rises, they pay off their mortgage, the children leave home and they prepare for retirement, so they sharply increase their saving and investment. In retirement, their income is largely or entirely from state benefits and the saving and investment they did when working; they spend most or all of their income, and, by selling off assets, often spend more than their income. Broadly speaking, this theory is supported by the data, though some economists argue that young people do not spend as much as they should on, say, being educated, because lenders are reluctant to extend credit to them. One puzzle is that people often have substantial assets left when they die. Some economists say this is because they want to leave a generous inheritance for their relatives; others say that people are simply far too optimistic about how long they will live. (See also permanent income hypothesis and relative income hypothesis. )

0
내 용어집에 추가

하고 싶은 말

토론에 대한 게시물을 작성하려면 로그인해야 합니다.

뉴스 속의 용어

추천 용어

Thuy Do
  • 0

    Terms

  • 0

    용어사전

  • 0

    Followers

분야/도메인: 동물학 카테고리: 동물 관련 용어

phylum placozoa

Macroscopic, flattened marine animals, composed of ventral and dorsal epithelial layers enclosing ...

Thuy Do
  • 0

    Terms

  • 0

    용어사전

  • 0

    Followers

분야/도메인: 동물학 카테고리: 동물 관련 용어

phylum cnidaria

Cnidarians. Hydras, hydroids, jellyfish, sea anemones, and corals. Free-swimming or sessile, with ...

qys1978
  • 0

    Terms

  • 1

    용어사전

  • 0

    Followers

분야/도메인: 회계 카테고리: 감사

share a term with millions

Share a term with millions of users around the world and increase your online visibility.Share a ...

Bob
  • 0

    Terms

  • 1

    용어사전

  • 5

    Followers

분야/도메인: 식물 카테고리: 나무

oak

Genus native to the Northern Hemisphere with spirally arranged leaves, catkins for flowers and ...

Bagar
  • 0

    Terms

  • 64

    용어사전

  • 6

    Followers

분야/도메인: 지리 카테고리: 지리

Everest

The last but not least mount Everest. The Earth's highest mountain, with a peak at 8,848 metres ...

David Parkin
  • 0

    Terms

  • 1

    용어사전

  • 36

    Followers

분야/도메인: 식물 카테고리: 일반 제조

aglaonema

Genus of about 20 species of usually rhizomatous, evergreen perennials from tropical forest in Asia. ...

Aidan Teare
  • 0

    Terms

  • 0

    용어사전

  • 6

    Followers

분야/도메인: 과학 카테고리: 일반 과학

Robojelly

Robojelly is a hydrogen-powered robot desgined in the United States that moves through the water ...

  • 0

    Terms

  • 0

    용어사전

  • 1

    Followers

분야/도메인: 사람들 카테고리: 기업가

Ferdinand Porsche

Ferdinand Porsche (3 September 1875 – 30 January 1951) was an Austrian-German automotive engineer ...

  • 0

    Terms

  • 40

    용어사전

  • 4

    Followers

분야/도메인: 방송 & 수신 카테고리: 뉴스

Marzieh Afkham

Marzieh Afkham, who is the country’s first foreign ministry spokeswoman, will head a mission in east ...

  • 0

    Terms

  • 0

    용어사전

  • 1

    Followers

분야/도메인: 회계 카테고리: 감사

define1

Share a term with millions of users around the world and increase your online visibility.Share a ...