Shares have been returnedabout.10% per year since 1926.The question is: what percentage of Americans have shares? 61% of Americans.It has risen from 58% in 2022, 56% in 2021 and 55% for 2018-2020
According to the Federal Reserve of the 10 percent of families with the highest income, 92 percent share from 2021, just above it where it had been in 2007.But the ownership of shares slid to people in the lower half of the income distribution.For Americans about the average income, but under the top 10 percent, ownership of the share also went a bit out of it.
It is sad because owning shares in the long term is one of the best ways to build wealth.
Stock -Andered is concentrated
From 2021 the top 10 percent of Americans had an average of $ 969,000 in shares.The next 40 percent had an average of $ 132,000.
With regard to what percentage of Americans own shares, the answer for 2023 is approximately.61%.Moens shareholding has increased, it is still a decrease in the amount of 63% in 2004 according to Gallup.
This is shocking and unhappy because the S&P 500 years after year went to new record highs.The richest Americans.
What is even more amazing is thatTop 1 percent of households due to wealthOwned nearly 38 percent of all shares after examination by NYU economist Edward Wolff.And the richest 10% of American households have a significant 89% of all US shares according to the Federal Reserve.
Ons.total Domestic Association for Shares
Here is a good diagram that shows the latest household distribution to shares of Goldman Sachs.it, shows a fall of approximately 47% to 39% as 2q2022.
Wealth continues to expand
So what does this all mean?wealth GatContinue to rise.In the meantime, disease families in the 90th percentile have a net value of almost $ 1,000,000.
Think about what happened during the global Pandemi.de people who had shares, so that their shares will rise by double digits in 2020 and in 2021.
In the meantime, those who do not have shares and who suffer from dismissals have fallen afterwards.
Related:The five largest transactions through the ages
Why you may want to possess shares through real estate
Now that you know what percentage of Americans those shares possess, you would probably also have to have shares if you don't.
1) Higher return.
Shares are returned historically ~ 10% per year compared to 2-4% for real estate in the last 60 years.MarginTo increase your return.
However, I do not recommend this strategy, because your broker account will force you to liquidate assets to earn cash when things go the other way..
Related:To margin trade or not: risks and benefits of taking acceleration
2) Much liquid.
If you do not like a share or immediately need cash, you can easily sell your stock ownership.
It is important to have some liquidity if you do not have a cash reserve to tackle unexpected expenses or emergency situations.The need for liquidity is overestimated.
3) Lower transaction costs.
Online transaction costs are less than $ 10 per transaction, regardless of how much you should buy or sell.
You would think that Zillow's invention would lower the transaction costs, but unfortunately they have done very little to lower the costs.
4) Less workThen real estate.
Real estate constantly takes control through maintenance, conflicts with neighbors and tenant rotation.Your company or travel the world.
You can easily pay an investment fund manager 0.5% per year to select shares for you or to rent a financial adviser to 1% per year.Or you can justManage your portfolio itselfBecause of so many free financial tools online.
5) Different investments to choose from.
Unless you are Super -Rich, you cannot have characteristics in Honolulu, San Francisco, Rio, Amsterdam and all other major cities in the world.Well -diversified stock portfolio could very well be less unstable than a real estate portfolio.
6) Invest in what you use.
One of the nicest aspects of the stock market is that you can invest in what you use.Is a nice feeling to not only use the products in which you invest, but to earn money with your investments.
As an alternative, say you want a job at Apple or Google, but they reject you.Best money income after you have been rejected from a company.
7) Tax benefits.
Long -term capital gains and dividend income are taxed at lower rates (15%and 20%) than the TOP FourW2 Aktrates (28%, 33%, 35%, 39.6%).The majority of your income comes from dividends, you can lower your marginal tax rate by a maximum of 20%, depending on current legislation.
8) Hedging is lighter.
You can protect your real estate investments through insurance.ETF 'is to protect your portfolio against downward risk.
9) Possibly less current taxes and reimbursem*nts.
Keeping real estate requires the payment of real estate that is usually equal to 1-3% of the value of the property every year.Only $ 5 per.handel.
Or you can have a hybrid digital wealth -the adviser asAuthorizeBuild and maintain your investment portfolio for only 0.89% per year in the management of assets.
Characteristics that are most suitable for real estate or shares
Property
* Faith Wealth consists of real assets, not paper.
* Know where you want to live for at least five years.
* Don't do it well in volatile environments.
* Easy made by Downs.
* Tends to buy and sell too often.High transaction costs prevent you from shopping too often too often.
* Enjoy interaction with people.
* Provides honor.
* Feels more under control.
Store
* Glad to give control of those who should know better.
* Can the volatility of the abdomen.
* Has a huge discipline not to chase and sell events when things implode.
* Likes to act.
* Enjoy studying economics, politics and investigating shares.
* Does not want to be bound.
* Has a limited amount of capital to invest.
Related:Real estate or shares: which is a better investment?
The key is to invest in the long term
Whatever you do has nothing. Although the stock market was in the Berenmarkt area in 2020, the more reason to buy shares for the future.
Real estate is also attractive
This article has discussed a lot about the benefits of possessing shares.Now you know what percentage of the American own shares I think it is worth investigating real estate.Real estate is actually my favorite asset class to build wealth, and also the favorite activa class from America.
Below is a Gallup mood that shows the views of America about the best long-term investments from 2011 to 2023. Real estate is number 1, now followed by #2 Gold and #3 shares/investment funds.
Unlike shares, real estate is a tangible active that offers shelter and has a more stable income.
My favorite way to invest in commercial real estate in cheaper areas in the country.
Here are my two preferred investment platforms for real estate.
FundsIs great because you can invest as little as $ 10 in one of his diversified Erereits that give you a wide exposure to ownership with low volatility in regions in America.diversified fund.
CrowdstreetIs another popular option because with this you can invest surgically in a real estate of 18 hours where the valuations are much lower and the growth rates are higher due to demographic shifts.Acceptable.If you have a lot of capital, you can build your own custom portfolio.
Both platforms are free to register and explore.I personally invested$ 810.000In real estate crowdfunding to diversify my investments and earn more passive income now that I am the father of two small ones.
Invest in shares and real estate.10 years from now on you will be happy that you have invested today.
Stay informed of your finances
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Over from author
Sam worked on investing banking in Goldman Sachs and Credit Suisse for 13 years.largely because of its investment.They now generate around. $ 350,000 a yearpassive incomeHe spends time playing tennis, taking care of his family and writing online to help others achieve financial freedom.
FinancieelSamurai.comwas started in 2009.It is one of today's most trusted personal financing sites with more than a million page views per month. Financial Samurai is shown in top publications such as La Times, Chicago Tribune, Bloomberg and the Wall Street Journal.
What percentage of Americans has shares is an economic samurai -land -land article.
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