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

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Life-Cycle Consumption Theory Visualized

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