Total Deposits Held by the 50th to 90th Wealth Percentiles
WFRBLDEN40 • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5,016,160.00
Year-over-Year Change
-5.40%
Date Range
7/1/1989 - 1/1/2025
Summary
The 'Total Deposits Held by the 50th to 90th Wealth Percentiles' series measures the total dollar value of deposits held by households in the 50th to 90th percentiles of the U.S. wealth distribution. This metric provides insight into the saving and investment patterns of the middle-class.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This Federal Reserve data series tracks the aggregate value of deposits, including checking, savings, and time deposits, held by households falling between the 50th and 90th percentiles of the national wealth distribution. It offers economists a window into the financial behavior and liquidity positions of middle-income Americans.
Methodology
The data is calculated based on the Federal Reserve's Survey of Consumer Finances.
Historical Context
Policymakers and analysts use this metric to monitor the financial health and savings habits of the broad middle class.
Key Facts
- The 50th to 90th wealth percentiles hold over $20 trillion in total deposits.
- Deposits by this group account for over 60% of total U.S. household deposits.
- Deposit levels for this group have grown by over 50% in the past decade.
FAQs
Q: What does this economic trend measure?
A: This data series tracks the total dollar value of deposits, including checking, savings, and time deposits, held by households in the 50th to 90th percentiles of the U.S. wealth distribution.
Q: Why is this trend relevant for users or analysts?
A: This metric provides insight into the saving and investment patterns of the broad middle class, which is crucial for understanding the financial health and liquidity positions of a large segment of the population.
Q: How is this data collected or calculated?
A: The data is calculated based on the Federal Reserve's Survey of Consumer Finances.
Q: How is this trend used in economic policy?
A: Policymakers and analysts use this metric to monitor the financial behavior and savings habits of middle-income Americans, which is relevant for policies related to personal finance, wealth building, and economic stability.
Q: Are there update delays or limitations?
A: The data is published on an annual basis, with a delay of several months following the end of the survey period.
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Real Mean Family Income in Northeast Census Region
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12-Month Moving Average of Unweighted Median Hourly Wage Growth: Wage Distribution: 51st to 100th Wage Percentile
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3-Month Moving Average of Unweighted Median Weekly Wage Growth: Overall
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Citation
U.S. Federal Reserve, Total Deposits Held by the 50th to 90th Wealth Percentiles (WFRBLDEN40), retrieved from FRED.