Current Table

FINANCIAL ASSETS HELD BY FAMILIES BY TYPE OF ASSET, 2001-2010
Percentage of families owning asset (1) Transaction accounts (2) Certificates of deposit Savings bonds Bonds (3) Stocks (3) Mutual funds (4) Retirement accounts (5) Life insurance (6) Other assets (7) Any financial asset (8)
2001 91.4% 15.7% 16.7% 3.0% 21.3% 17.7% 52.2% 28.0% 16.0% 93.4%
2004 91.3 12.7 17.6 1.8 20.7 15.0 49.7 24.2 17.3 93.8
2007 92.1 16.1 14.9 1.6 17.9 11.4 53.0 23.0 15.1 93.9
2010 92.5 12.2 12.0 1.6 15.1 8.7 50.4 19.7 13.7 94.0
By age of family head, 2010                    
Under 35 89.0 5.7 10.0 (9) 10.1 3.6 41.1 9.6 9.9 91.3
35 to 44 90.6 5.7 11.6 0.4 12.1 7.7 52.2 12.3 10.4 92.7
45 to 54 92.5 10.0 15.0 1.4 16.0 9.6 60.0 19.8 14.2 94.2
55 to 64 94.2 14.6 14.3 2.4 19.5 11.3 59.8 25.7 16.6 95.8
65 to 74 95.8 20.6 9.1 3.4 16.1 11.1 49.0 28.4 18.9 96.2
75 and over 96.4 27.2 10.1 3.6 20.1 11.9 32.8 32.4 19.1 96.4
Percentiles of income, 2010 (10)                    
Less than 20 76.2 5.7 3.6 0.1 3.8 2.1 11.2 10.7 8.7 79.2
20 to 39.9 91.1 11.1 6.0 (9) 6.0 3.5 30.5 17.2 10.9 93.6
40 to 59.9 96.4 11.7 10.8 (9) 11.7 5.8 52.8 19.5 15.1 97.8
60 to 79.9 98.9 15.8 16.0 1.3 17.3 8.8 69.7 22.8 14.2 99.6
80 to 89.9 99.8 12.1 23.0 2.0 25.7 14.6 85.7 25.8 16.3 100.0
90 to 100 99.9 21.5 24.4 8.3 47.8 32.1 90.1 30.9 22.6 100.0
Percent distribution
of amount of financial
assets of all families
                   
2001 11.4 3.1 0.7 4.5 21.5 12.1 29.0 5.3 12.4 100.0
2004 13.1 3.7 0.5 5.3 17.5 14.6 32.4 2.9 10.0 100.0
2007 10.9 4.0 0.4 4.1 17.8 15.8 35.1 3.2 8.6 100.0
2010 13.3 3.9 0.3 4.4 14.0 15.0 38.1 2.5 8.5 100.0

(1) Families include one-person units.
(2) Includes checking, savings and money market deposit accounts; money market mutual funds; and call accounts at brokerages.
(3) Covers only those stocks and bonds that are directly held by families outside mutual funds, retirement accounts and other managed assets.
(4) Excludes money market mutual funds and funds held through retirement accounts or other managed assets.
(5) Covers IRAs, Keogh accounts and employer-provided pension plans. Employer-sponsored accounts are those from current jobs (restricted to those in which loans or withdrawals can be made, such as 401(k) accounts) held by the family head and that person's spouse or partner as well as those from past jobs held by either or both of them. Accounts from past jobs are restricted to those from which the family expects to receive the account balance in the future.
(6) Cash value.
(7) Includes personal annuities and trusts with an equity interest, managed investment accounts and miscellaneous assets.
(8) Includes other types of financial assets, not shown separately.
(9) Ten or fewer observations.
(10) Ranges represent percentiles rather than income levels. A percentile is a statistical ranking point. The 50th percentile represents the midpoint of all values. For example, at the 50th percentile half of the families in the ranking fall above this income level, and half fall below.

Note: Latest data available. Based on surveys conducted every three years.

Source: Survey of Consumer Finances, Board of Governors of the Federal Reserve System.

 
Financial Assets Held By Families By Type Of Asset, 1998-2007
Percentage of families owning asset (1)  Transaction accounts (2) Certificates of deposit Savings bonds Bonds (3) Stocks (3) Mutual funds (4) Retirement accounts (5) Life insurance (6) Other assets (7) Any financial asset (8)
1998 90.5% 15.3% 19.3% 3.0% 19.2% 16.5% 48.9% 29.6% 15.3% 92.9%
2001 91.4 15.7 16.7 3.0 21.3 17.7 52.2 28.0 16.0 93.4
2004 91.3 12.7 17.6 1.8 20.7 15.0 49.7 24.2 17.3 93.8
2007 92.1 16.1 14.9 1.6 17.9 11.4 52.6 23.0 15.1 93.9
By age of family head, 2007                    
Under 35 87.3 6.7 13.7 (9) 13.7 5.3 41.6 11.4 10.0 89.2
35 to 44 91.2 9.0 16.8 0.7 17.0 11.6 57.5 17.5 11.8 93.1
45 to 54 91.7 14.3 19.0 1.1 18.6 12.6 64.7 22.3 15.6 93.3
55 to 64  96.4 20.5 16.2 2.1 21.3 14.3 60.9 35.2 16.9 97.8
65 to 74 94.6 24.2 10.3 4.2 19.1 14.6 51.7 34.4 22.6 96.1
75 and over 95.3 37.0 7.9 3.5 20.2 13.2 30.0 27.6 19.3 97.4
Percentiles of income, 2007 (10)                    
Less than 20 74.9 9.4 3.6 (9) 5.5 3.4 10.7 12.8 9.3 79.1
20 to 39.9 90.1 12.7 8.5 (9) 7.8 4.6 35.6 16.4 13.5 93.2
40 to 59.9 96.4 15.4 15.2 (9) 14.0 7.1 55.2 21.6 15.5 97.2
60 to 79.9 99.3 19.3 20.9 1.4 23.2 14.6 73.3 29.4 14.1 99.7
80 to 89.9 100.0 19.9 26.2 1.8 30.5 18.9 86.7 30.6 17.4 100.0
90 to 100 100.0 27.7 26.1 8.9 47.5 35.5 89.6 38.9 28.9 100.0
Percent distribution of amount of financial assets of all families                    
1998 11.4 4.3 0.7 4.3 22.7 12.4 27.6 6.4 10.3 100.0
2001 11.5 3.1 0.7 4.6 21.7 12.2 28.4 5.3 12.6 100.0
2004 13.2 3.7 0.5 5.3 17.6 14.7 32.0 3.0 10.1 100.0
2007 11.0 4.1 0.4 4.2 17.9 15.9 34.6 3.2 8.6 100.0

(1) Families include one-person units.
(2) Includes checking, savings and money market deposit accounts; money market mutual funds; and call accounts at brokerages.
(3) Covers only those stocks and bonds that are directly held by families outside mutual funds, retirement accounts and other managed assets.
(4) Excludes money market mutual funds and funds held through retirement accounts or other managed assets.
(5) Covers IRAs, Keogh accounts and employer-provided pension plans. Employer-sponsored accounts are those from current jobs (restricted to those in which loans or withdrawals can be made, such as 401(k) accounts) held by the family head and that person's spouse or partner as well as those from past jobs held by either or both of them. Accounts from past jobs are restricted to those from which the family expects to receive the account balance in the future.
(6) Cash value.
(7) Includes personal annuities and trusts with an equity interest, managed investment accounts and miscellaneous assets.
(8) Includes other types of financial assets, not shown separately.
(9) Ten or fewer observations.
(10) Ranges represent percentiles rather than income levels. A percentile is a statistical ranking point. The 50th percentile represents the midpoint of all values. For example, at the 50th percentile half of the families in the ranking fall above this income level, and half fall below. 

Note: Latest data available. Based on surveys conducted every three years.

Source: Survey of Consumer Finances, Board of Governors of the Federal Reserve System.