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More Americans shift money from checking and savings to accounts with investment income, study says

UNITED STATES, JUL 21 – A 2025 survey shows 65% of lost deposits at community banks came from Gen X and baby boomers amid a shift toward investment-linked accounts.

  • More Americans are shifting money from checking and savings accounts into accounts that yield investment income, according to a study by JPMorganChase Institute.
  • The analysis found that people's total cash reserves are increasing when including money in brokerage accounts, money market funds, and certificates of deposit.
  • Chris Wheat, president of the institute, said the trend might be short-term and that they don't have a basis yet as to whether it will continue.
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WASHINGTON — New research shows that more Americans are moving their money from checking and savings accounts to financial vehicles that generate investment income, a trend that helps explain the U.S. economy's resilience after a period of high inflation and recent uncertainty due to tariffs.

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More Americans shift money from checking and savings to accounts with investment income, study says

New research finds that more Americans are shifting their money from checking and savings accounts into financial vehicles that pay an investment income.

·United States
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  • 64% of the sources are Center
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Winnipeg Free Press broke the news in Winnipeg, Canada on Monday, July 21, 2025.
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