{"id":592,"date":"2018-10-18T15:27:00","date_gmt":"2018-10-18T15:27:00","guid":{"rendered":"https:\/\/www.simplywise.com\/blog-2023\/?p=592"},"modified":"2023-06-22T21:11:47","modified_gmt":"2023-06-22T21:11:47","slug":"investing-in-stocks","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/investing-in-stocks\/","title":{"rendered":"How Much Your Peers Are Investing in Stocks"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"592\" class=\"elementor elementor-592\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f13e93 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f13e93\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2de5036\" data-id=\"2de5036\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f82894a elementor-widget elementor-widget-template\" data-id=\"f82894a\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/elementor\/css\/custom-pro-widget-call-to-action.min.css?ver=1764022918\">\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32bff80 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32bff80\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75858c5\" data-id=\"75858c5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-112edb7 elementor-widget elementor-widget-text-editor\" data-id=\"112edb7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>How do you decide how much of your assets should be in stocks? One approach is to max out your 401k, IRA, etc and invest everything you possibly can into the market while you are young and less so as you grow older. Another is to have enough money in liquid assets to cover expenses for a few years and invest the rest into the market. Another approach is to be cognizant of the odds of a\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/causes-stock-market-crash-1929\/\">stock market crash<\/a>\u00a0and only have enough money in the market that you are comfortable losing and the rest in\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/investing-in-bonds-introduction\/\">bonds<\/a>\u00a0or\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-a-cd-certificate-of-deposit\/\">CDs<\/a>. There are lots of ways to go about making this decision; in this post we are not going to examine the merits of each, but are instead going to study what decisions Americans are making about how much of their assets to invest in the stock market.<\/p><h2>Data<\/h2><p>Our dataset is from the\u00a0<a href=\"https:\/\/www.federalreserve.gov\/econres\/scfindex.htm\">Survey of Consumer Finance<\/a>\u00a0(2016). This data set is collected by the Federal Reserve and collects data on the finances of consumers in the US. The data allows us to measure the exposure of households to the stock market by aggregating how much stock exposure households have through either direct individual stock ownership or through stock mutual funds. In addition, we are able to get insight into the size of retirement accounts, household income and other components of net worth.<\/p><h2>Half the US Has No Exposure to the Stock Market<\/h2><p>Most people who choose to invest in stocks typically do so indirectly under a retirement account such as a a IRA, 401k, a pension plan, or some other\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/tax-deferred-accounts-mean-money-saved\/\">tax deferred<\/a>\u00a0account. However, 48% of the US population does not have any of these retirement accounts. This number varies significantly by age, with younger households and seniors lacking a retirement accounts relative to those who are aged 40 to 60. The graph below shows this pattern:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d45574 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d45574\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fc7c7a9\" data-id=\"fc7c7a9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e3cad2 elementor-widget elementor-widget-image\" data-id=\"6e3cad2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"380\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/HouseHolds-With-Retirement-Acconut-2.jpeg\" class=\"attachment-large size-large wp-image-595\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/HouseHolds-With-Retirement-Acconut-2.jpeg 875w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/HouseHolds-With-Retirement-Acconut-2-300x178.jpeg 300w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/HouseHolds-With-Retirement-Acconut-2-768x456.jpeg 768w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-82e378c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"82e378c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f284178\" data-id=\"f284178\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e302b4f elementor-widget elementor-widget-text-editor\" data-id=\"e302b4f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Outside of retirement accounts, the direct ownership of stocks either through stock mutual funds or individual stocks is fairly uncommon. Only 20% of households have exposure to stocks directly. This also varies by age, with only roughly 10% of millennials having some direct exposure to stocks compared to 30% for retirees.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-987f1e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"987f1e1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f6724a3\" data-id=\"f6724a3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-641117e elementor-widget elementor-widget-image\" data-id=\"641117e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"380\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/HouseHolds-With-Stock-Exposure.jpeg\" class=\"attachment-large size-large wp-image-596\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/HouseHolds-With-Stock-Exposure.jpeg 875w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/HouseHolds-With-Stock-Exposure-300x178.jpeg 300w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/HouseHolds-With-Stock-Exposure-768x456.jpeg 768w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c064140 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c064140\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cb2a7dc\" data-id=\"cb2a7dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-908aecb elementor-widget elementor-widget-text-editor\" data-id=\"908aecb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>How Much do Stock Owners Invest in Stocks?<\/h2><p>When a household does have stock market exposure, how much do they have? Since roughly 80% of the population does not directly own any stocks, this question only pertains to a small and relatively affluent part of the population. The graph and data table below shows different age buckets of the head of household, along with how much exposure the households have to stocks as a percentage of their yearly income. We\u2019ve excluded any households that do not have direct stock ownership from this analysis.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a222490 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a222490\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-011ca64\" data-id=\"011ca64\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d094710 elementor-widget elementor-widget-image\" data-id=\"d094710\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"378\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/StockExposureByAge-2.jpeg\" class=\"attachment-large size-large wp-image-597\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/StockExposureByAge-2.jpeg 900w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/StockExposureByAge-2-300x177.jpeg 300w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/StockExposureByAge-2-768x454.jpeg 768w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ce55ae elementor-widget elementor-widget-image\" data-id=\"6ce55ae\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"355\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/simplywise-Stock-Exposure-As-of-income-1024x568.png\" class=\"attachment-large size-large wp-image-598\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/simplywise-Stock-Exposure-As-of-income-1024x568.png 1024w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/simplywise-Stock-Exposure-As-of-income-300x167.png 300w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/simplywise-Stock-Exposure-As-of-income-768x426.png 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/simplywise-Stock-Exposure-As-of-income-1536x853.png 1536w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/simplywise-Stock-Exposure-As-of-income-2048x1137.png 2048w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d1f6508 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1f6508\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ecf304e\" data-id=\"ecf304e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab8fb32 elementor-widget elementor-widget-text-editor\" data-id=\"ab8fb32\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The data gives us a number of insights. It is rare for millennials, when they do own stocks in the first place, to have stock exposure that is a significant percentage of their income. Over 60% of those aged 20 to 30 who owned stocks have less than 10% of their yearly income worth of exposure stocks. As households grow older, make more money and have more in savings, the distribution changes. Once the households are of age 50 to 59, a significant portion of stock owners put more than 100% of their yearly income into stocks. This is even more true for those aged 60-69, as retirement income may be less than late career earnings. You can use the table above to get a feel of how you rank in terms of stock ownership relative to your peers.<\/p><h2>Stock Ownership Was an Older, Affluent Person\u2019s Game. Is This Changing?<\/h2><p>It is clear that stock ownership outside of retirement accounts is a relatively uncommon phenomenon in the US. The obvious drivers of stock ownership are whether a family is affluent enough to have savings that they can then invest into the stock market. More subtle factors are the fact that financial advisers and annuity agents typically target consumers that have some amount of investable assets and are motivated to convince those households to invest in the stock market,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/everyone-trying-sell-annuity\/\">so that they can collect a management fee<\/a>. Apps such as Robinhood, Stash, and Acorns have made it easier for millenials to get access to the market. It is conceivable that by the time the next Survey of Consumer Finance is released, the numbers for younger households will look different.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a5a072 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a5a072\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-77ec709\" data-id=\"77ec709\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6c2eaa elementor-widget elementor-widget-template\" data-id=\"b6c2eaa\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>How do you decide how much of your assets should be in stocks? One approach is to max out your 401k, IRA, etc and invest everything you possibly can into the market while you are young and less so as you grow older. Another is to have enough money in liquid assets to cover expenses [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":593,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-592","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Your Peers Are Investing in Stocks - SimplyWise Cost Estimator<\/title>\n<meta name=\"description\" content=\"Not sure how your allocation to stocks compares to that of peers? 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