“80后”這一代人恐怕在財(cái)富積累方面會(huì)成為“失去的一代”。這一結(jié)論來(lái)自一份報(bào)告，它調(diào)查了當(dāng)今美國(guó)人的生活狀況，并與前幾代人在同一年齡段的生活狀況作了比較。

這份所謂“人口財(cái)富”報(bào)告是由圣路易斯聯(lián)邦儲(chǔ)備銀行的經(jīng)濟(jì)學(xué)家們做出的。他們發(fā)現(xiàn)，“80后”的實(shí)際財(cái)富比對(duì)這一群體的趨勢(shì)預(yù)測(cè)要少34%， “70后”和 “60后”的財(cái)富同樣少于趨勢(shì)預(yù)測(cè)，分別是18%和11%。

研究指，造成這一狀況的原因是“住房和債務(wù)”。 “60后”和“70后”起先也有巨大的房貸壓力，而房?jī)r(jià)的跌落導(dǎo)致他們的凈值下降，不過(guò)在房產(chǎn)市場(chǎng)復(fù)原后他們的狀況好了很多。相比之下，“80后”要負(fù)擔(dān)大量的學(xué)生貸款和信用卡債務(wù)，導(dǎo)致他們沒(méi)有能力購(gòu)買(mǎi)房產(chǎn)或股票，而房產(chǎn)和股票在過(guò)去幾年價(jià)格上升，他們的收入本可以大漲。

即便如此，“80后”倒還不是負(fù)債最多的一代——這一“榮譽(yù)”屬于“70后”。區(qū)別在于，上一代的負(fù)債主要是用于房產(chǎn)和其他資產(chǎn)，而年輕一代的負(fù)債卻是為了“讀大學(xué)”。

但不能說(shuō)這完全是壞事。

研究進(jìn)一步指出，“值得樂(lè)觀的理由有兩個(gè)，一來(lái)‘80后’大軍還來(lái)日方長(zhǎng)，二來(lái)他們是受教育程度最高的一代，所以他們將來(lái)有可能會(huì)成為最有錢(qián)的一群人。”（財(cái)富中文網(wǎng)）

譯者：宣峰?

People born in the 1980s are in danger of becoming the “l(fā)ost generation” in terms of accumulating wealth, according to a study that examined how Americans today are doing compared to previous generations at their age.

The “Demographics of Wealth” study, conducted by economists from the Federal Reserve Bank of St. Louis, found that individuals born in the 1980s have 34% less wealth than what trends would predict for their age group. Those born in the 1970s are 18% behind where they should be, while those born in the 1960s are 11% behind.

According to the study, the issue comes down to “housing and debt.” While people born in the ’60s and ’70s initially had a good deal of mortgage debt and lower net worths thanks to housing pricing, they’re doing much better now that the housing market has recovered. In contrast, ’80s babies ended up with a great deal of student and credit card debt, making it so they couldn’t purchase homes or stocks, things that have seen a rise in value over the past few years and would have resulted in an income boost.

All that said, 1980s babies still aren’t the most indebted generation — that honor goes to those born in the 1970s. The difference is, according to the study, that the older generation is in debt for things like homes and other assets, while the younger generation is in debt for something a little different: their college education.

But the news isn’t all bad.

“Two reasons for optimism are that the 1980s cohort has many years to get back on track and it is the most educated — hence, also potentially the highest-earning — group ever,” the study notes.