La tasa de ahorro de los Estados Unidos y el futuro del dólar

CAMBRIDGE – La tasa de ahorro de los hogares americanos ha experimentado un marcado aumento desde el comienzo de este año, al alcanzar en mayo el 6,9 por ciento de la renta personal neta de impuestos, el mayor desde 1992. En la economía actual, eso equivale a unos ahorros anuales de 750.000 millones de dólares.

Si bien una tasa de ahorro de 6,9 por ciento no es mucha en comparación con la de muchos otros países, constituye un cambio espectacular en comparación con la tasa de ahorro de los hogares de menos del 1 por ciento con la que contaron los Estados Unidos en 2005, 2006 y 2007.

Antes de que empezara a aumentar el año pasado, la tasa de ahorro de los hogares de los EE.UU. había estado disminuyendo durante más de 20 años como consecuencia del aumento del nivel de riqueza de los hogares. El aumento del mercado de valores y el mayor valor de las viviendas indujo a las personas a consumir una parte mayor de sus ingresos y ahorrar menos. A consecuencia de ello, la mayoría de las personas con trabajo redujo la cantidad que ahorraba para su jubilación y los jubilados pudieron aumentar sus gastos. La tasa neta de ahorro cayó hasta casi cero.

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