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Retail Sales vs Consumer Credit Debt

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Pro Tip

Retail sales isΒ a leading indicator.Β 

Consumer credit is a lagging indicator.

What Is The Importance of Retail Sales?

Retail salesΒ represent a key macroeconomic metric that tracks consumer demand for finished goods. Consumer purchases of durable and non-durable goods are compiled in a report. The retail sales report helps analysts and investors gauge the health of the economy and any inflationary pressures that may exist.

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What Is Consumer Credit Debt?

“Consumer debt consists of personal debts that are owed as a result of purchasing goods that are used for individual or household consumption. Credit card debt, student loans, auto loans, mortgages, and payday loans are all examples of consumer debt. These credit debts stand in contrast to other debts that are used for investments in running a business or debt incurred through government operations.” – Investopedia

What is the Fed looking at when they see this chart?

When I look at “Retail Sales vs Consumer Credit Debt”, I wonder …

What is the Fed looking at when they see this chart?Β  That is one of the biggest questions investors should ask themselves.

Can you see any venerability in the market place?

Or is the market on healthy footing?

Are we trending?Β  Are we trending in a balanced healthy fashion or are we building up to a pivot point?

Stay up to date by checking back periodically to see how this chart progresses as new data becomes available.

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