Ipotesi del ciclo di vita (LCH) - KamilTaylan.blog
3 Maggio 2021 20:10

Ipotesi del ciclo di vita (LCH)

Qual è l’ipotesi del ciclo di vita (LCH)?

L’ipotesi del ciclo di vita (LCH) è una teoria economica che descrive le regolare i consumi per tutta la vita prendendo in prestito quando il loro reddito è basso e risparmiando quando il loro reddito è alto.

Punti chiave

  • La LCH è una teoria economica sviluppata all’inizio degli anni ’50.
  • La teoria ipotizza che le persone pianifichino le proprie spese per tutta la vita, tenendo conto del loro reddito futuro.
  • Un grafico della LCH mostra un modello di accumulo di ricchezza a forma di gobba che è basso durante la giovinezza e la vecchiaia e alto nella mezza età.

La LCH presume che gli individui pianifichino la loro spesa nel corso della loro vita, tenendo conto del loro reddito futuro. Di conseguenza, si indebitano quando sono giovani, supponendo che un reddito futuro consentirà loro di ripagarlo. Quindi risparmiano durante la mezza età per mantenere il loro livello di consumo quando vanno in pensione. Un grafico delle spese straordinarie di un individuo mostra quindi un modello a forma di gobba in cui l’ accumulo di ricchezza è basso durante la giovinezza e la vecchiaia e alto durante la mezza età.

Life-Cycle Consumption Theory Visualized

if (window.parent && window.parent.postMessage) {
window.parent.postMessage(‘datawrapper:vis:reload’, ‘*’);
}

window.__ltie9 = true;

window.__locale = ‘en-US’;

(function() {
dw.theme.register(‘investopedia-embed’, {“typography”:{“chart”:{“typeface”:”Source Sans Pro”,”color”:”#191919″,”fontSize”:12},”headline”:{“fontSize”:22,”fontWeight”:”bold”,”underlined”:0,”cursive”:0,”color”:”#191919″,”typeface”:”Source Sans Pro”},”description”:{“fontSize”:14,”lineHeight”:17,”fontWeight”:”normal”,”underlined”:0,”cursive”:0,”typeface”:”Source Sans Pro”},”notes”:{“fontSize”:12,”fontWeight”:”normal”,”underlined”:0,”cursive”:1},”footer”:{“color”:”#888″,”fontSize”:11,”fontWeight”:”normal”,”underlined”:0,”cursive”:0},”links”:{“color”:”#2c40d0″,”fontWeight”:”normal”,”underlined”:0,”cursive”:0}},”colors”:{“general”:{“background”:”transparent”,”padding”:0},”palette”:
);
}).call(this);

@import ‘https://fonts.googleapis.com/css?family=Source+Sans+Pro:400,400i,700’;
.chart {
font-family: Source Sans Pro;
color: #191919;
font-size: 12px;
background: transparent;
margin: 0 0px;
height: 100%;
}
.chart.vis-height-fit {
overflow: hidden;
}
.chart a {
color: #2c40d0;
text-decoration: none;
}
.chart.dw-chart-header {
min-height: 1px;
position: relative;
overflow: auto;
}
.chart.dw-chart-header.header-right {
position: absolute;
right: 10px;
z-index: 20;
}
.chart.dw-chart-header h1 {
font-family: Source Sans Pro;
font-weight: bold;
font-size: 22px;
font-style: normal;
text-decoration: none;
color: #191919;
margin: 0 0 10px;
}
.chart.dw-chart-header p {
font-family: Source Sans Pro;
font-weight: normal;
font-size: 14px;
line-height: 17px;
font-style: normal;
text-decoration: none;
margin: 5px 0 10px!important;
}
.chart.dw-chart-body.dark-bg.label span {
color: #191919;
fill: #191919;
}
.chart.dw-chart-body.bc-grid-line {
border-left-style: solid;
}
.chart.dw-chart-body.content-below-chart {
margin: 0px 0px 20px 0px;
}
.chart.labels text {
font-size: 12px;
}
.chart.label {
font-size: 12px;
}
.chart.label span,
.chart.label tspan {
color: #191919;
fill: #191919;
}
.chart.label.inverted span {
text-shadow: 0 0px 2px #000000;
color: #ffffff;
}
.chart.label.inside:not(.inverted) span {
text-shadow: 0 0px 2px #ffffff;
color: #333333;
}
.chart.label sup {
text-shadow: none;
}
.chart.label.highlighted {
font-weight: bold;
}
.chart.label.highlighted,
.chart.label.label.axis {
font-size: 12px;
z-index: 100;
}
.chart.label.hover {
font-weight: bold;
}
.chart.label.smaller span {
font-size: 80%;
}
.chart.dw-chart-notes {
font-weight: normal;
font-size: 12px;
font-style: italic;
text-decoration: none;
margin: 0px 0px 5px 0px;
position: relative;
}
.chart #footer,
.chart.dw-chart-footer {
display: flex;
justify-content: space-between;
align-items: center;
font-weight: normal;
font-size: 11px;
font-style: normal;
text-decoration: none;
color: #888;
}
.chart #footer > div >.footer-block,
.chart.dw-chart-footer > div >.footer-block {
display: inline-block;
}
.chart #footer > div >.footer-block.hidden,
.chart.dw-chart-footer > div >.footer-block.hidden {
display: none;
}
.chart #footer > div >.footer-block a[href=””],
.chart.dw-chart-footer > div >.footer-block a[href=””] {
color: #888;
pointer-events: none;
text-decoration: none;
padding: 0;
border-bottom: 0;
}
.chart #footer > div >.footer-block.separator,
.chart.dw-chart-footer > div >.footer-block.separator {
display: inline-block;
font-style: initial;
}
.chart #footer > div >.footer-block.separator:before,
.chart.dw-chart-footer > div >.footer-block.separator:before {
content: “•”;
display: inline-block;
}
.chart #footer > div.footer-block.hidden:first-child +.footer-block:not(.hidden).separator,
.chart #footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block:not(.hidden).separator,
.chart #footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block.hidden
+.footer-block:not(.hidden).separator,
.chart #footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block:not(.hidden).separator,
.chart #footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block:not(.hidden).separator,
.chart #footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block:not(.hidden).separator,
.chart.dw-chart-footer > div.footer-block.hidden:first-child +.footer-block:not(.hidden).separator,
.chart.dw-chart-footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block:not(.hidden).separator,
.chart.dw-chart-footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block.hidden
+.footer-block:not(.hidden).separator,
.chart.dw-chart-footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block:not(.hidden).separator,
.chart.dw-chart-footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block:not(.hidden).separator,
.chart.dw-chart-footer > div.footer-block.hidden:first-child
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block.hidden
+.footer-block:not(.hidden).separator {
display: none;
}
.chart #footer > div > a:first-child::before,
.chart #footer > div >.source-block:first-child::before,
.chart #footer > div >.footer-block:first-child::before,
.chart.dw-chart-footer > div > a:first-child::before,
.chart.dw-chart-footer > div >.source-block:first-child::before,
.chart.dw-chart-footer > div >.footer-block:first-child::before {
content: “”;
display: none;
}
.chart.dw-chart-notes a,
.chart.dw-chart-footer a {
font-weight: normal;
font-style: normal;
text-decoration: none;
color: #2c40d0;
}
.chart a img {
border: 0px;
}
.chart.embed-code {
position: absolute;
bottom: 20px;
left: 0;
padding: 15px;
background: #eee;
color: #000;
border-radius: 6px;
text-transform: none;
font-size: 1em;
box-shadow: 2px 2px 0px rgba(0,0,0,0.4);
z-index: 10;
}
.chart.embed-code textarea {
width: 90%;
margin-top: 2%;
height: 7em;
}
.chart.hide {
display: none;
}
.chart.embed-code.close {
cursor: pointer;
position: absolute;
right: 2%;
top: 2%;
font-size: 1.125em;
opacity: 0.7;
}
.chart.embed-code.close:hover {
opacity: 1;
}
.chart.dw-tooltip {
color: #333333;
}
.chart.tooltip {
z-index: 200;
padding-bottom: 0px;
}
.chart.tooltip.content {
background-color: #fff;
border: 1px solid #888;
box-shadow: 2px 2px 2px rgba(0,0,0,0.2);
padding: 5px 8px;
}
.chart.tooltip label {
font-weight: 700;
}
.chart.tooltip label:after {
content: “: “;
}
.chart.logo {
position: absolute;
right: 0;
bottom: 0;
}
.chart.logo.big {
display: none;
}
.chart svg.axis,
.chart svg.tick,
.chart svg.grid,
.chart svg rect {
shape-rendering: crispEdges;
}
.chart.filter-links {
height: 30px;
overflow-x: hidden;
overflow-y: hidden;
border-bottom: 1px solid #ccc;
font-size: 12px;
}
.chart.filter-links a {
color: #666;
height: 28px;
line-height: 28px;
padding: 10px;
text-decoration: none;
}
.chart.filter-links a:hover {
color: #222;
}
.chart.filter-links a.active {
font-weight: bold;
color: #000;
box-shadow: none;
cursor: default;
text-decoration: none;
border-bottom: 3px solid #555;
padding: 10px 10px 6px 10px;
}
.chart.filter-select {
background-color: #FFFFFF;
border: 1px solid #CCCCCC;
border-radius: 4px 4px 4px 4px;
padding: 4px 6px;
vertical-align: middle;
font-size: 12px;
}
.chart.plain #footer {
height: 10px;
}
.chart.js.noscript {
display: none;
}
.chart.hidden {
display: none;
}
.chart.label.annotation span {
background: transparent;
}
.chart.legend-item.hover.label {
font-weight: bold;
}
.chart.watermark {
position: fixed;
left: 0;
bottom: 0;
transform-origin: top left;
opacity: 0.182;
font-weight: bold;
font-size: 6px;
white-space: nowrap;
pointer-events: none;
}
.clearfix:after {
content: “.”;
display: block;
clear: both;
visibility: hidden;
line-height: 0;
height: 0;
}
.clearfix {
display: inline-block;
}
html[xmlns].clearfix {
display: block;
}
* html.clearfix {
height: 1%;
}
.point {
border: 1px solid #ccc;
display: inline-block;
position: absolute;
background: #fff;
z-index: 100;
cursor: pointer;
height: 20px;
width: 20px;
border-radius: 20px;
top: 20px;
}
.point:hover {
background: #ebebeb;
}
.point.active {
background: #ccc;
height: 20px;
width: 20px;
border-radius: 20px;
top: 20px;
border-color: #888;
}
.point-label {
position: absolute;
}
.line {
height: 1px;
background: #ccc;
position: absolute;
left: 0px;
top: 30px;
z-index: 1;
}
.vis-pie-chart path,
.vis-donut-chart path,
.vis-election-donut-chart path {
stroke-width: 0.5;
}
.label.axis-label span,
.label.axis-label {
font-weight: bold;
}
.ck-color-key.ck-swatch {
display: inline-block;
vertical-align: top;
margin-bottom: 4px;
white-space: nowrap;
}
.ck-color-key.ck-swatch.legend-text {
margin-right: 8px;
}
.ck-color-key.ck-swatch.ck-color {
display: inline-block;
width: 14px;
height: 14px;
vertical-align: middle;
margin-right: 4px;
}
.ck-color-key.ck-swatch.ck-color.dw-circle {
border-radius: 50%;
}
.ck-color-key.ck-swatch.ck-label {
display: inline-block;
vertical-align: middle;
}
.ck-color-key {
padding-bottom: 15px;
}
.chart.vis-d3-scatter-plot.d3-scatterplot-cont {
position: relative;
}
.chart.vis-d3-scatter-plot.dw-tooltip {
position: absolute;
z-index: 100;
visibility: hidden;
background: white;
max-width: 200px;
box-shadow: 3px 3px 3px rgba(0,0,0,0.1);
padding: 10px;
font-size: 11px;
border: 1px solid whitesmoke;
}
.chart.vis-d3-scatter-plot.dw-tooltip h2 {
margin-top: 0;
font-size: 13px;
}
.chart.vis-d3-scatter-plot.dw-tooltip table {
border-spacing: 0;
}
.chart.vis-d3-scatter-plot.dw-tooltip td,
.chart.vis-d3-scatter-plot.dw-tooltip th {
text-align: left;
padding: 0 5px 3px 0;
}
.chart.vis-d3-scatter-plot.dw-tooltip ul,
.chart.vis-d3-scatter-plot.dw-tooltip ol {
padding-left: 15px;
}
.chart.vis-d3-scatter-plot.dw-tooltip ul li,
.chart.vis-d3-scatter-plot.dw-tooltip ol li {
margin-bottom: 2px;
}
.chart.vis-d3-scatter-plot.dw-tooltip.tooltip-warning {
font-weight: bold;
font-family: roboto;
color: #b94a48;
background-color: #f2dede;
position: relative;
padding: 8px 35px 8px 14px;
text-shadow: 0 1px 0 rgba(255,255,255,0.5);
border: 1px solid #eed3d7;
-webkit-border-radius: 4px;
-moz-border-radius: 4px;
border-radius: 4px;
}
.chart.vis-d3-scatter-plot.dw-tooltip.tooltip-warning table {
font-weight: normal;
display: block;
margin-top: 10px;
border-radius: 1px;
padding: 1px 4px;
background: #ffffff;
}
.chart.vis-d3-scatter-plot.dw-tooltip.tooltip-warning table td {
vertical-align: top;
padding: 0;
}
.chart.vis-d3-scatter-plot.dw-tooltip.tooltip-warning table td.arrow {
padding-right: 2px;
}
.chart.vis-d3-scatter-plot.dw-tooltip.dw-tooltip-close {
color: #a7a7a7;
width: 17px;
height: 17px;
float: right;
text-align: center;
transform: translate(7px,-5px);
line-height: 17px;
font-size: 17px;
}
.chart.vis-d3-scatter-plot.vis-frame line {
stroke-linecap: square;
}
.chart.vis-d3-scatter-plot.dw-tooltip {
border-color: #ddd;
}
.chart.vis-d3-scatter-plot div.labels {
position: absolute;
pointer-events: none;
}
.chart.vis-d3-scatter-plot div.labels.label {
pointer-events: all;
position: absolute;
}
.chart.vis-d3-scatter-plot svg {
pointer-events: none;
}
.chart.vis-d3-scatter-plot svg path.axis {
shape-rendering: crispEdges;
}
.chart.vis-d3-scatter-plot svg rect.bg {
opacity: 0;
}
.chart.vis-d3-scatter-plot svg rect.plot-bounds {
fill: none;
stroke: #ccc;
}
.chart.vis-d3-scatter-plot svg line.axis {
shape-rendering: crispEdges;
}
.chart.vis-d3-scatter-plot svg g.lines path {
fill: none;
stroke-linejoin: round;
stroke-linecap: round;
}
.chart.vis-d3-scatter-plot svg.dots path {
stroke-width: 0.5;
}
@media (min-width: 451px) {
.chart.vis-d3-scatter-plot svg.free-texts text.mobile-only {
display: none;
}
.chart.vis-d3-scatter-plot svg.free-texts g.bg.mobile-only {
display: none;
}
}
@media (max-width: 450px) {
.chart.vis-d3-scatter-plot svg.free-texts text.desktop-only {
display: none;
}
.chart.vis-d3-scatter-plot svg.free-texts g.bg.desktop-only {
display: none;
}
}
.chart.vis-d3-scatter-plot svg g.free-texts text {
text-anchor: middle;
alignment-baseline: middle;
}
.chart.vis-d3-scatter-plot svg g.free-texts text.dw-bold {
font-weight: bold;
}
.chart.vis-d3-scatter-plot svg g.free-texts text.dw-italic {
font-style: italic;
}
.chart.vis-d3-scatter-plot svg g.free-texts text.dw-underline {
text-decoration: underline;
}
.chart.vis-d3-scatter-plot svg rect.invisible {
opacity: 0;
}
.chart.vis-d3-scatter-plot svg path.outline {
fill: none;
stroke: black;
stroke-width: 2;
opacity: 1;
}
.chart.vis-d3-scatter-plot svg path.outline-2 {
fill: none;
stroke: black;
opacity: 1;
}
.chart.vis-d3-scatter-plot svg g.labels text.bg {
stroke-width: 5;
stroke-linejoin: round;
stroke-linecap: round;
}
.chart.vis-d3-scatter-plot canvas,
.chart.vis-d3-scatter-plot svg.front {
position: absolute;
top: 0;
left: 0;
}
.chart.vis-d3-scatter-plot.dw-chart-body.dw-pick-coordinate {
cursor: crosshair;
}
.chart.vis-d3-scatter-plot.dw-chart-body.dw-pick-coordinate rect.bg {
fill: yellow;
opacity: 0.1;
}
.chart.vis-d3-scatter-plot.label.axis-label {
font-weight: normal;
}
.chart.png-export.dw-chart-footer.static-image,
.chart.png-export.dw-chart-footer.chart-action-data {
display: none!important;
}
.chart.png-export a {
color: unset!important;
}
.x-tick-values span,
.y-tick-values span,
.direct-value-label:not(.inverted) span,
.legend-text span,
.x-tick-values tspan,
.y-tick-values tspan,
.y-tick-values {
color: #191919!important;
fill: #191919!important;
}
.vis-d3-bars-stacked.bc-grid {
z-index: 0!important;
}
.vis-d3-bars-stacked.y-axis {
background-color: #191919!important;
}
.vis-d3-bars-stacked.x-gridline {
background-color: #cecece!important;
}
.legend-text.label {
vertical-align: middle!important;
}
.chart a {
color: #2c40d0;
}
a.source {
text-decoration: none;
}

Life-Cycle Consumption Theory Visualized

1020304050607080

Chart:

Get the data

Add this chart to your site

 

Related Posts