美国人将储蓄从银行转向投资, 在经济不确定的情况下增加现金储备。 Americans shift savings from banks to investments, boosting cash reserves amid economic uncertainty.

JPMorgan Chase Institute的研究显示,美国人正在从支票和储蓄账户向经纪账户和货币市场基金等投资工具转移资金,增加现金储备总额,并在高通胀和关税不确定的情况下促进经济恢复力。 A study by JPMorganChase Institute shows Americans are moving money from checking and savings accounts to investment vehicles like brokerage accounts and money market funds, boosting total cash reserves and contributing to economic resilience amid high inflation and tariff uncertainty. 研究对470万户家庭进行了分析,发现虽然传统账户的现金余额仍然很低,但包括投资账户在内的准备金总额自2024年中期以来有所增加。 Analyzing 4.7 million households, the study found that while cash balances in traditional accounts remained low, total reserves, including investment accounts, have increased since mid-2024. 低收入家庭的现金结余每年增长5-6%。 Lower-income households saw their cash balances grow by 5-6% annually.