hoard capital

USAGE SUMMARY

The phrase "hoard capital" is correct and usable in written English.
It can be used in contexts discussing the accumulation or retention of financial resources or assets, often implying a negative connotation of excessive saving or stockpiling. Example: "In times of economic uncertainty, some investors tend to hoard capital instead of reinvesting it into the market."

✓ Grammatically correct

News & Media

Formal & Business

Human-verified examples from authoritative sources

Exact Expressions

21 human-written examples

"The fundamentals look somewhat less promising, and the incentive to hoard capital will be stronger".

The New York Times

As those assets plunge in value, banks cut back on lending and hoard capital, increasing the likelihood of a recession.

The New York Times

In response their instinct is to shrink their risk-weighted assets and hoard capital at the expense of lending.

The Economist

After the crisis, regulators prevented lenders like Citigroup and Bank of America from increasing their dividends or repurchasing shares, forcing them instead to hoard capital to absorb losses.

The New York Times

Before the turn of the millennium, he recalled, worries about widespread computer failures had prompted many financial institutions to hoard capital.

The New Yorker

Swiss policymakers are lobbying for UBS and its rival Credit Suisse to cut risks and hoard capital to avert the type of banking collapse that hobbled Iceland's economy.

The Guardian - Business

Human-verified similar examples from authoritative sources

Similar Expressions

39 human-written examples

Businesses have hoarded capital rather than investing it, and the public sector has cut back on investments in education and infrastructure.

The New Yorker

Everywhere I turn I hear complaints about bankers "hoarding" capital.

Forbes

Banks, fearful of lending money to financial institutions that might turn out to be in trouble, were starting to hoard their capital.

The New Yorker

The Basel 2 international bank-capital regime and the global accounting standards known as IFRS to say nothing of security analysts and rating agencies are forcing banks to hoard more capital, anticipating that deepening recession will slash asset values further.

The Economist

But then banks, which couldn't estimate how much exposure other firms had to losses, started to pull back credit lines and hoard their capital — and they did so en masse, confirming Shin's point about the market imposing uniformity.

The New Yorker

Expert writing Tips

Best practice

When using "hoard capital", consider the context. It often implies a reluctance to invest or lend, which can be seen negatively during economic downturns. Be sure that the implication is intentional for your message.

Common error

Avoid using "hoard capital" when you intend to convey prudent financial management. The phrase typically carries a negative connotation of excessive saving at the expense of economic activity.

Linguistic Context

The phrase "hoard capital" functions primarily as a verb phrase where "hoard" acts as the verb and "capital" as the direct object. It describes the action of accumulating and retaining capital. According to Ludwig AI, the phrase is grammatically correct.

Expression frequency: Common

Frequent in

News & Media

85%

Formal & Business

10%

Encyclopedias

5%

Less common in

Science

0%

Wiki

0%

Reference

0%

Ludwig's WRAP-UP

The phrase "hoard capital" is a common term used to describe the accumulation and retention of financial resources, often with a negative connotation suggesting a reluctance to invest or lend. Ludwig AI confirms its grammatical correctness and usability. Its primary usage contexts are in news and media, as well as formal business settings. While semantically related phrases like "accumulate capital" and "retain earnings" exist, it's important to consider the implied meaning of excessive saving when using the phrase. The most common error is misinterpreting this implication when prudent financial management is intended. As such, understanding the context and the negative connotation is crucial when using "hoard capital" to accurately convey the intended meaning.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

Accumulate capital

Focuses on the act of gathering or increasing capital reserves.

Amass capital

Emphasizes a large accumulation of capital.

Stockpile capital

Suggests building up a reserve of capital for future use.

Retain earnings

Refers to keeping profits within a company rather than distributing them.

Conserve capital

Highlights the careful management and preservation of capital.

Preserve assets

Focuses on protecting existing assets, including capital.

Withhold investment

Indicates a decision not to spend or allocate capital.

Build up reserves

Emphasizes the creation of financial cushions or savings.

Accumulate wealth

Describes the general increase of riches or assets, including capital.

Stash funds

Implies concealing or saving money, often for opportunistic reasons.

FAQs

How to use "hoard capital" in a sentence?

You can use "hoard capital" to describe situations where entities accumulate and retain financial resources, often implying a reluctance to invest or lend. For example: "During economic uncertainty, companies tend to hoard capital rather than expanding operations."

What does it mean to "hoard capital"?

To "hoard capital" means to accumulate and retain financial resources, often excessively. It suggests a reluctance to invest or spend, which can have negative implications for economic growth.

What can I say instead of "hoard capital"?

You can use alternatives like "accumulate capital", "retain earnings", or "stockpile capital" depending on the context. These phrases provide similar meanings while possibly differing in nuance.

Is "hoard capital" a negative term?

Yes, "hoard capital" often carries a negative connotation. It implies a reluctance to invest or lend, suggesting that resources are being withheld from productive use, which can negatively impact the economy.