2024年全球财富和生活方式报告

GLOBALWEALTHANDLIFESTYLEREPORT2024 2 FOREWORD ChristianGattiker-Ericsson,CFA,CAIA,HeadofResearch Welcometothe2024editionofourGlobalWealthandLifestyleReport.Thisisareportdesignedtocapturethe‘costoflivingextremelywell’onaglobalscale.Aftereverynewedition,Iimmediatelylookforwhathaschangedand–sometimesevenmoreinsightful–whathasnot.Thankstoyourvaluablefeedback,Iknowthatmanyofourreadersdothesame. Soletusjumpstraighttothematterathand: Whathaschanged?Ofcourse,priceshavechangedforthebasketofhigh-endgoodsandservices–thisyeartothetuneof4percentonaverageinUSDandonaglobalscale.Thepriceofsomeoftheitemswefollowhavechangedmoredramatically.Takethecostofahotelsuite,forexample,wherepricesinAsiaPacificdroppedbyalmost11percentwhiletheyrosebyalmost34percentintheAmericas(drivenbyNYC).Therankingsofthe majorcitieshavechangedaswell.Zurich,myhometown,movedupafulleightpositionsintherankingsandotherEuropeancitiessuchasMilan(+6)andParis(+5)alsofollowedsuit,pushingEMEAtothetopoftheregionalrankings.TheflipsideisthattheAmericasbecomestheleastexpensiveregionandAPACdropstosecondplace,withTokyonowbottomoftheAPACrankinghavinglostastunning15positionssince2022. Whathasnotchanged?Thelevelofpriceincreasescontinuedtodeclineonaglobalscale.Hardcoreeconomistswouldsaythat‘inflationhasbeenslowing’becausethe4percentpriceincreaseisstillfarslowerthanthe6percentlastyear,nottomentionthehigh-single-digitincreaseswewitnessedbeforethepandemic.Anotherthingthatdidn’tchangemuchisthecitiesatthetopandatthebottomofourindex.SingaporeandHongKongremainamongthetopthreecities,despitesomeEuropeanscatchingupandLondonmakingthepodium.Attheotherend,JohannesburgandVancouverremainintheirranksaswell.Forthemost 3 thoroughreaders,wehighlightourchangesinmethodol-ogyofcourse. Whatdowemakeoftheresults?Asusual,thisisintheeyeofthebeholder.Forglobetrotters,thisindexmighthelpthemtochoosetheirtraveldestination;thoselookingforaluxurybargainmightconsiderTokyo,whilethosetradingupmightconsiderNewYork.Otherreadersmightusetheinformationtoseehowtheircurrentcitymeasuresuptoothermajorcitiesaroundtheworld.Butformeasaneconomist,thisreportshowsthatcurrenciesmatteralot.TakeTokyoasanexample.Thisusedtobetheposter-childofanultra-expensivecityinthe1990s.However,thesteadydeclineoftheyenhasshownhowthiscanchange.Astrivialasitseems,wetendtoforgetthatthecostsoflivinglookverydifferentintheeyesofastranger–espe-ciallyifthatpersonthinksinUSdollarsorSwissfrancsinsteadofthelocalcurrency.Currencyandcontextmatter. Wehopeyoufindthisyear’sGlobalWealthandLifestyleReportinsightfulandwishyouanenjoyableread. 4 CONTENTS 01TheJuliusBaerLifestyleIndex: GlobalWealthandLifestyleReport2024 Globalcityranking9 Keyfindings10 Globalitempricechanges14 Evolutionoftoptencityrankings16 Moversandshakers18 02TheJuliusBaerLifestyleSurvey: Keyfindings19 Lifestylespendinghabits26 Travelandtransporthabits27 03RegionalOverviews: Europe,MiddleEast,andAfrica30 AsiaPacific37 TheAmericas42 04Appendix: Methodology47 Globalrankingsbyitem49 AsiaPacific51 Europe,MiddleEast,andAfrica56 TheAmericas60 Lifestyle,attitudes,andsustainablebehaviour 2805Disclaimerandmasthead64-65 Personalfinancialsituation29 5 EXECUTIVESUMMARY Althoughcitiescontinuetogetmoreexpensivein2024,affluentindividualsaroundtheworldarestillwillingtospendonandinvestintheirlifestyles,families,andfutures. ExecutiveSummary Onceagain,JuliusBaer’sGlobalWealthandLifestyleReportisbeingpublishedagainstacomplexglobalback-ground.Althoughtheimpactoftheglobalpandemichasnowsettledintoa‘newnormal’,inflation,risinglivingcosts,andincreasedgeopoliticaltensionscontinuetoimpactpricesandprioritiesineveryregioncoveredinourreport. TheJuliusBaerLifestyleIndexanalysesthecostofabasketofgoodsandservicesrepresentativeof‘livingwell’in25citiesaroundtheworld.Thisprovidesanoverviewoftherelativecostofmaintainingahigh-net-worthlifestyleinvariousmajorurbancentres.TheadditionoftheLife-styleSurvey,nowinitsthirdyear,supportstheindexfindingswithqualitativeanalysisofthepersonalhabits andsentimentsofhigh-net-worthindividuals(HNWIs).Together,theyprovideinsightintothelifestyles,habits,andprioritiesofwealthyconsumersaroundtheglobe. Flyinghigh The2024indexfindingsarelessclear-cutthanlastyear.WhileSingaporeandHongKongstilldominatethepodium,weseetheAsiaPacific(APAC)regiondropdowntheoverallregionalrankingstosecondplaceasaresultoflowerrankingsforcitieslikeTokyo,nowin23rdplace,combinedwithabuoyantreturntoprominenceforEurope,Africa,andtheMiddleEast(EMEA).LondonnowtakesthefinalspotonthepodiumandeverysingleEuropeancityhasmoveduptherankingsthisyear, includingZurich,whichmovesahugeeightplacesuptheranking,makingitthisyear’sbiggestclimber.AlthoughtheAmericasfalltolastplaceinourregionalranking,bothNewYorkandSãoPauloremaininthetopten. Slowerinflation ExecutiveSummary Inour2023report,wesawaveragepricerisesinUSDtermsof6percentacrossourindexofgoodsandservic-es.Thisyear,thepriceriseshaveslowedto4percentonaverageinUSDterms.Althoughourcitiescontinuetobecomemoreexpensiveplacestolive,wehaveseenanormalisationofinflationratesoverthepast12month