Real Estate Versus Financial Wealth in Consumption

Posted: 20 Jan 2004

See all articles by John D. Benjamin

John D. Benjamin

American University - Kogod School of Business

Peter T. Chinloy

American University - Department of Finance and Real Estate

G. Donald Jud

University of North Carolina (UNC) at Greensboro - Department of Accounting and Finance

Abstract

The consumption function for the U.S. economy is estimated with real estate and financial wealth for quarterly data for 1952:1-2001:4. An additional dollar of real estate wealth increases consumption by 8 cents in the current year, as compared with only 2 cents for financial wealth. The results are consistent with theoretical bounds on the marginal propensity to consume from aggregate wealth. The decline in the stock market during 2000-2001 had a limited impact on aggregate demand in part because of an offsetting real estate wealth effect.

Keywords: consumption and savings, marginal propensity to consume, financial assets, real estate assets

Suggested Citation

Benjamin, John D. and Chinloy, Peter and Jud, G. Donald, Real Estate Versus Financial Wealth in Consumption. Available at SSRN: https://ssrn.com/abstract=489645

John D. Benjamin

American University - Kogod School of Business ( email )

4400 Massachusetts Avenue NW
Department of Finance
Washington, DC 20016
United States
(202) 885-1892 (Phone)
(202) 885-1946 (Fax)

Peter Chinloy

American University - Department of Finance and Real Estate ( email )

Kogod School of Business
4400 Massachusetts Ave., N.W.
Washington, DC 20016-8044
United States
202-885-1951 (Phone)
202-885-1992 (Fax)

G. Donald Jud (Contact Author)

University of North Carolina (UNC) at Greensboro - Department of Accounting and Finance ( email )

P.O. Box 26165
Greensboro, NC 27412
United States
336-334-3091 (Phone)
336-334-4141 (Fax)

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