Wat is de levenscyclushypothese (LCH)?

De levenscyclushypothese (LCH) is een economische theorie die de bestedings- en consumptie gedurende hun hele leven trachten te vergemakkelijken door te lenen wanneer hun inkomen laag is en door te sparen wanneer hun inkomen hoog is.

De LCH gaat ervan uit dat individuen hun uitgaven over hun leven plannen, rekening houdend met hun toekomstige inkomen. Dienovereenkomstig nemen ze schulden aan als ze jong zijn, ervan uitgaande dat hun toekomstige inkomen hen in staat zal stellen om deze af te betalen. Ze sparen vervolgens op middelbare leeftijd om hun consumptieniveau op peil te houden wanneer ze met pensioen gaan. Een grafiek van iemands overuren laat dus een bultvormig patroon zien waarin de vermogensopbouw laag is tijdens de jeugd en op hoge leeftijd en hoog op middelbare leeftijd.

Life-Cycle Consumption Theory Visualized

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Life-Cycle Consumption Theory Visualized

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