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American Focus > Blog > Economy > Can You Guess What Single Asset Makes Up 30% Of The Average American’s Portfolio? It’s Not a 401(k)
Economy

Can You Guess What Single Asset Makes Up 30% Of The Average American’s Portfolio? It’s Not a 401(k)

Last updated: June 22, 2025 11:00 am
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Can You Guess What Single Asset Makes Up 30% Of The Average American’s Portfolio? It’s Not a 401(k)
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When it comes to the average American’s wealth, most people tend to think of traditional investments like 401(k)s, mutual funds, and savings accounts. However, recent data from the Federal Reserve’s 2022 Survey of Consumer Finances reveals that the largest portion of the average American household’s total net worth actually comes from something much closer to home: their primary residence.

According to the survey, primary residences make up a significant 30% of the average American’s total net worth. This means that for many families, the value of their home outweighs the value of any other financial asset they may have. It’s a reminder that sometimes the most valuable asset is right in front of us every day.

The report, which analyzes the financial portfolios of thousands of households across different income brackets and age groups, sheds light on the true makeup of the typical American’s wealth. In addition to primary residences, retirement accounts like 401(k)s and IRAs account for 25% of household wealth. These accounts are often seen as long-term savings vehicles that people tap into during their later years.

Public equities and mutual funds make up 15% of net worth, representing more traditional stock market investments. However, for most households, these investments are just a portion of their overall financial picture, not the main focus. Private business ownership or equity stakes come in at 12%, with wealthier households and small business owners more likely to have investments in this category. This can be a high-risk, high-reward area that significantly impacts overall net worth.

Real estate beyond primary residences, including rental properties and vacation homes, makes up 10% of household wealth. This category offers diversification for those involved in the landlord game. Cash and deposits, such as checking, savings, and emergency funds, only make up 5% of household wealth on average. While important for day-to-day expenses, they are not the primary drivers of long-term financial growth.

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Lastly, “other” assets like vehicles, collectibles, and miscellaneous valuables round out the list at just 3% of total wealth. While these items may hold sentimental value, they have minimal impact on overall financial health.

In conclusion, the data from the Federal Reserve’s survey highlights the diverse sources of wealth for the average American household. While traditional investments like retirement accounts and stocks play a role, the value of primary residences and other real estate often carry the most weight. Understanding this breakdown can help individuals better assess their own financial portfolios and make informed decisions about their long-term wealth strategy.

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