<Anchor> It
's friendly economy time.
Reporter Han Ji-yeon is also here today (the 4th).
hello.
The results of a survey on single-person households came out.
<Reporter>
Yes, KB Financial Group conducted a survey this year on 2,000 single-person households between the ages of 25 and 59.
First, let's look at how single-person households earn and how much they spend.
4 out of 10 single-person households were found to be so-called 'N-jobs' with multiple jobs.
I want to start a side job because I am living alone because I am living alone, but there were more 'voluntary reasons' such as having spare money or having some spare time.
Also, these days, single-person households have become smarter in managing their finances.
The ratio of consumption among spending decreased by more than 13 percentage points to 44.2% compared to the survey two years ago, while savings increased by 10 percentage points to 44.1%.
If consumption in the past was more than 20% more than savings, is it now boiling?
They were managing their assets in a planned manner, such as spending without exceeding their income or regularly checking and adjusting their assets.
It seems that the so-called YOLO value, which emphasizes happiness in the moment, has faded, and the desire to create and manage assets from a young age has grown.
<Anchor>
I said earlier that savings increased, but the ratio of current assets seems to have increased as well.
<Reporter>
Yes, this is this year's survey, right?
Current financial market conditions were largely reflected, and liquid assets in cash or occasional deposits and withdrawals accounted for the largest share at 42%.
Compared to two years ago, liquid assets increased by more than 16 percentage points.
This seems to be because they have a lot of liquid assets as a standby fund for new investment after canceling their original financial products as the factors of instability in the financial market grow.
The second largest financial assets were deposits and savings accounts with 27%, and stocks or futures and options with 19%.
Next, let’s take a look at the houses in which single-person households live.
There are many perceptions that if you live alone, you will live in a small-sized officetel, right?
Surprisingly, apartments took first place with 36.2%.
Rows or multi-family houses were the most common in the 2020 survey, but this has been reversed.
The proportion of people living in medium-to-large rather than small-sized homes also increased by 3.1 percentage points from two years ago, which is interpreted as an increase in the will to expand living space even after Corona.
<Anchor>
You seem to be in an age group with a lot of income, that is, a lot of economic activity now, but among those in their 30s and 40s, how do single-person households in the top 10% of incomes manage their assets?
<Reporter>
Yes, they were called 'rich singles' in the report.
I managed my assets more systematically than regular singles.
There was a stronger tendency to set specific financial goals and manage the investment period by dividing it into long-term and short-term.
First of all, rich singles earned twice as much as regular singles, but the proportion of consumption was relatively low, so rich singles accounted for 30% of their monthly income and general singles 41%.
Of course, you have a lot of spare money to finance, right?
The monthly savings of rich singles was 2.04 million won, 2.5 times that of the general 820,000 won. Accordingly, more than half of rich singles had financial assets of less than 300 million won.
Also, when looking at the monthly savings portfolio of rich singles, the ratio of saving with liquid assets or savings and savings accounts is slightly lower than that of general singles, but the ratio of investing in funds or stocks or depositing in long-term products such as annuities is high.
This means that we are diversifying our investments in a variety of financial products rather than focusing too much on one side.