00:00No precise, single official figure exists for Americans with over $100,000 specifically in stocks.
00:07The data that does exist measures related but different things,
00:11so I'll give the closest verified proxies rather than invent a number.
00:14The overall median value of stock holdings among families who own stock was $52,000 in 2022,
00:22according to the Federal Reserve Survey of Consumer Finances,
00:25including mutual funds and retirement accounts.
00:28Relevant Breakdowns by Group
00:301. By age
00:32Those 65 and older own 43% of the stock market,
00:36with a median portfolio valued at $109,000 for the 65-74 group,
00:42while the under-35 group has a median portfolio value of just $7,360 and owns 1.4% of
00:51stocks.
00:51This means crossing $100,000 in holdings is far more common among older,
00:56established investors than young adults.
00:592. By income
01:00Stock ownership is highest among adults and households earning $100,000 or more,
01:06at 87%, based on combined 2024-2025 Gallup survey data.
01:12But this measures who owns any stock, not who holds over $100,000 in value.
01:183. Overall participation
01:2058% of U.S. adults own stock as of April 2026, per Gallup, down from 62% the prior
01:28year.
01:29Ownership is heavily skewed.
01:31The wealthiest 10% of Americans hold 93% of U.S. equities, while the bottom 50% own just
01:381%.
01:38Given the age-based median, $109,000 for 65-74 year olds, and the extreme concentration at the top,
01:48a reasonable estimate is that somewhere between 10-20% of American households hold over $100,000
01:55in stock market assets. But I don't have a Fed or Gallup figure stated exactly that way.
02:00So treat this as an inference, not a confirmed statistic.
02:03Practical takeaway, don't benchmark your progress against a specific dollar threshold you saw quoted
02:09online. Verify the source's exact definition, household versus individual, direct holdings
02:16versus retirement accounts, before using any such figure to judge your own investing pace.
02:21Finally, remember that everything we discussed today is for educational purposes only and does
02:26not constitute financial advice. Good luck to everyone, and see you in the next video.