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- 43% 的美國人擔心美國即將迎來衰退（該比例在在2019年Q3 為50%，Q2為48%，Q146%, compared to 2018% in 44)
- 39% of the respondents said they were worried about a big plunge in the stock market. (This ratio is 2019% in Q3 of 48, 47% in Q2, 46% in Q1, and 42% in 2018)
- Nearly half (49%) of Americans say that the biggest risk for a successful retirement is the ever-increasing cost of living.
(01 / 21 / 2020 American Life Insurance Guide News) After a year of ups and downs in the market, US investors felt more confident in their financial situation at the end of 2019.according toAllianz Life Insurance Company of North America(AllianzLife®) The latest "Quarterly Market Research" report pointed out thatConcerns about future market crashes or recessions have fallen to their lowest level since 2018.
In the fourth quarter of 2019, only 39% of respondents said they were worried about the imminent collapse of the U.S. market, while 43% of respondents were worried about the imminent economic recession.Since 2018, the proportion of these concerns that the market will usher in a recession has been increasing steadily. Until mid-November 2019, after a period of relative calm in the U.S. market, anxiety began to decline.
"Interestingly, despite the current feeling of calm, fewer and fewer people now think this is a good time to "invest","Allianz LifeKelly LaVigne, vice president of Consumer Watch. "This may be because people expect greater volatility in 2020 and don’t want to take risks. If there are major changes in the market, they may beSavings and retirementBring risks. "
Catalyzed by these worries, people areGuaranteed retirement lifetime income productsRenewed interest, this kind ofInsurance ProductsCan reduce the risk of market volatility to retirement.Nearly one-third of the respondents (31%) said that investing some funds in financial products that can provide a guaranteed source of retirement income is the most important step to ensure a safe retirement.This ratio is an increase of 26 percentage points from 5% in the previous quarter.
Increased risk of inflation
Although more Americans subjectively believe that the risk of facing the market is reduced when they retire this year, inflation risk is the primary consideration.Almost half (49%) of Americans say that the rising cost of living is a big risk to whether they can retire smoothly.And more than one-third (34%) said that inflation may prevent them from retirement.
Lavigne said: "Although people spend more time on retirement, the rising cost of living poses a real threat to hard-won retirement savings."Fewer than four in ten (38%) said they are confident in their financial planning and can cope with the rising cost of living. '
Use retirement insurance to manage risk
Allianz LifeKelly Lavigne, Vice President of Consumer Observation, said, “Consumers who are worried about market volatility in 2020 and the cost of living will continue to rise in the next few years should work with financial experts to provide guaranteed Retirement income financial products to reduce some of these risks.” (End)
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