The American Society yeKufamba Advisors (ASTA) nhasi yaburitsa chidzidzo chayo chegore negore chinoteedzera zvinofungwa nevafambi vekuAmerica, zviratidzo zvakakosha zvekuronga mafambiro emangwana uye kwavari kushandisa.
Iyi tembiricha yegore negore yemutengi inopa ruzivo rwakakosha kune vanoshanya, nzvimbo dzekuenda uye vanoronga mafambiro. ASTA yakaunganidza pfungwa dzevafambi ve2,050 pamhando dzakasiyana-siyana dzekufamba misoro, kusanganisira mari yavanoronga kushandisa, kwavanoronga kuenda, manzwiro azvino pamusoro pekufamba maererano nehupfumi uye kuti vatengi vanoshandisa sei mazano ekufambisa.
Mhedzisiro yakaratidza zvimwe zvinonakidza zvakawanikwa pakati pevarume, mapoka emazera uye mashandisirwo echipangamazano wekufamba:
Yakakosha Tsvaga
Kufamba Kwezororo:
● 74% yeavo vanoronga kushandisa chipangamazano vangangofamba munguva yezororo.
● 47% yevafambi vanotarisira kutora rwendo munguva yezororo iri kuuya.
Maonero eruzhinji ane tarisiro kubva kune vese chipangamazano wekufamba uye vatengi vanofungidzira gore riri nani rekufamba muna 2020.
● Pasinei nekuderera kwehupfumi, chikamu che50% chevanopa mazano vekufamba vanofunga kuti bhizinesi ravo richava nani gore rinouya kupfuura zvariri gore rino.
● Vatengi vanotarisira kushandisa mari yakawanda parwendo rwavo runotevera pane vaya vasina kuronga kushandisa chipangamazano ($4,015 vs. $1,687). Musiyano uyu ungangove wakakonzerwa nekufamba kwepasirese kunoratidzwa mune iri kuuya data point.
● Mari inotarisirwa kushandiswa pamufambi wega wega muna 2020 $6,772 - kuwedzera kwegumi muzana mumwedzi gumi nemiviri yadarika.
● Vane mukana wekufamba mhiri kwemakungwa kupfuura vasiri vashandisi vevanopa mazano ekufambisa (31% vs. 8%); famba pasirese uye nedzimwe nzvimbo dzekunze uine chivimbo kana uchishandisa chipangamazano chekufamba.
● Fungidzira kutora nzendo dzakawanda paavhareji kupfuura vaya vasina (3.6 vs. 2.5 nzendo) uye shandisa yakawanda: $4.015. Famba zvakawanda: 3.6 nzendo avhareji yakaenzana ne $14,670.
● Varume vs. Vakadzi: 50% yevarume vanonzwa kuti hupfumi huchava nani mwedzi 12 kubva ikozvino kana ichienzaniswa ne31% yevakadzi.
● Varume vachashandisa avhareji ye$2,377 apo $1,542 ichashandiswa nevakadzi. Varume vanoronga kutora nzendo dzakawanda kupfuura vakadzi (2.6 vs. 2.0).
● Vakaroora Kana Vasina Kuroora: $2,571 1,350 kune vakaroora uye avhareji ye$XNUMX kune vasina kuroora.
● Mireniyumu inoronga kutora nzendo dzakawanda (2.7) kupfuura chero chimwe chizvarwa. Gen-Xers havasi kure kumashure parwendo rwe2.5.
● Vafambi veGen-X vanoronga kushandisa mari yakawanda ($2,780) kupfuura Millennials ($1,816) kana Baby Boomers ($2,158).
● Vafambi vakawanda vanotarisira kutora nzendo muU.SA mumwedzi gumi nemiviri iri kuuya kupfuura zvavakaita mumwedzi gumi nemiviri yapfuura (12% vs. 12%).
● Padivi, zvisinei, vashoma vafambi vanoronga kutora nzendo kunze kweUSA (17% vs. 23%).
Manzwiro / Zvinonetsa:
● Zvinonyanya kunetseka kana zvasvika pakutora nzendo dzemunhu oga kune vose vakapindura: Kuchengeteka Pamunhu 52%; kusava nemari yakakwana 52% ichiteverwa nehutsotsi pa49%; 46% yehugandanga; uye 46% yakaoma mamiriro ekunze uye njodzi dzinongoitika dzoga.
Nzvimbo dzepamusoro neNzvimbo:
Caribbean & Central kana South America Asia Europe
Bahamas 49% Japan 54% United Kingdom 49%
Puerto Rico 29% China 42% Italy 47%
Costa Rica 28% Thailand 36% France 45%
● Varume vane mikana yakawanda yekuenda kunzvimbo dzinotevera dzinotevera: United Kingdom (58% vs 37%) neGermany (38% vs. 24%)
● Vakadzi vane mikana yakawanda yekuenda kune zvinotevera: France (50% kusvika 41%) neGreece (37% vs. 23%)
● Varume vanowanzoenda kuBrazil (27% vs 15%), Cuba (26% vs. 14%), Colombia (26% vs 10%) neArgentina (23% vs 11%).
● Mamireniyumu ane mukana wekuenda kuBahamas kana kuPuerto Rico 60% uye 35%, zvichiteerana kupfuura zvimwe zvizvarwa.
Vafambi vanoshandisa chipangamazano wekufamba vanogona kunge vari:
● Kuchamhembe kwakadziva kumabvazuva (25% vs. 15%)
● Murume (63% vs. 47%)
● Mudiki (ave. zera re39 vs. 45)
● Mireniyumu (45% vs. 29%)
● Vakaroora (56% vs. 49%)
● Mhuri dzevana (57% vs. 34%)
● Latinx/Hispanic (21% vs. 15%)
● Mupfumi (ave. mari $99,000 vs. $81,000)
Mhedzisiro yacho inoratidza tarisiro yakanaka yekufamba kwe2020, chinova chiratidzo chikuru chehutano hwemabhizinesi evapi vapi vekufamba uye vatengi vanonzwa vane chivimbo chekufamba zvisinei neUS uye nhau dzepasirese. Zvinonakidza, asi hazvishamise, kuti vanhu vanoenda kunze kwenyika kunzvimbo dzavasingazivi uye vanofamba zvakanyanya kana vachishandisa chipangamazano chekufamba. Zvinoratidza kuti nzendo dzakarongwa zvirinani dzinopa vafambi chivimbo chavanoda kuti vawedzere maonero avo.
