[:en]Homeownership: A Key to Well-Being in Retirement[:es]La propiedad de la vivienda: La clave para el bienestar en la jubilación [:]

Homeownership: A Key to Well-Being in Retirement | Simplifying The Market
[:en]There has been much talk about homeownership and whether it is a true vehicle for building wealth. A new report looks at the impact owning a home has on the financial wellbeing of people closing in on their retirement years (ages 55-64).

In recently released study by the Hamilton Project, Ten Economic Facts about Financial Well-Being in Retirement, it was revealed that:

1. Middle-class households near retirement age have about as much wealth in their homes as they do in their retirement accounts.

“Over the past quarter century the largest single source of wealth for all but the richest households nearing retirement age has been their homes, which accounted for about two-fifths of net worth in the early 1990s and accounts for about one-third today.”

2. Home equity is a very important source of net worth to all but the wealthiest households near retirement age.

“Home equity is an important source of wealth for middle income households, accounting for more than one-third of total net worth for the second, third, and fourth quintiles of the net worth distribution… The fifth quintile has a much larger share in business equity—almost a quarter—than any other quintile. (The figure leaves out the bottom quintile of households because they have negative net worth. It is likely that these households will rely almost exclusively on Social Security in retirement.)”

Here is an asset breakdown for the middle 20% of Americans determined by median net worth ($165, 720):

Components of Net Worth | Keeping Current Matters

Obviously, the data again proves that homeownership has a big role in building wealth for American families.[:es]Se ha hablado mucho sobre el ser propietario de casa y si es un verdadero vehículo para crear patrimonio. Un reporte nuevo analiza el impacto que el ser propietario de casa tiene en el bienestar financiero de las personas cerca a sus años de jubilación (edades de 55 a 64)

En un estudio recientemente publicado por the Hamilton Project, Diez factores económicos sobre el bienestar financiero en la jubilación, reveló que:

1. Los hogares de clase media cerca a la edad de jubilación tienen tanto patrimonio en sus casas como el que tienen en sus cuentas para la jubilación.

“Durante el último cuarto de siglo la mayor fuente de riqueza para todos, excepto los hogares más acomodados, acercándose a la edad de jubilación ha sido su casa. Lo que representaba aproximadamente dos quintas partes del patrimonio neto a comienzos de los noventas y representa actualmente casi la tercera parte”.

2. El valor líquido en la casa es una fuente muy importante del patrimonio neto de todos, excepto los hogares más ricos, cerca a la edad de jubilación.

“El valor líquido en la casa es una fuente importante para el patrimonio de los hogares de ingresos medios, representando más que un tercio del patrimonio neto total para el segundo, tercer y cuarto quintil de la distribución del patrimonio neto… El quinto quintil tiene una proporción mucho más grande con el porcentaje del patrimonio empresarial – casi una cuarta parte, que cualquier otro quintil. (La figura deja fuera el quintil inferior de los hogares porque ellos tienen patrimonio neto negativo. Es probable que esos hogares van a depender casi exclusivamente en el seguro social en la jubilación)”.

Aquí está el desglose para el 20 % de los hogares estadounidenses de clase media determinado por el patrimonio neto medio ($165,720):

Patrimonio neto

Obviamente, los datos de nuevo prueban que el ser propietario de casa tiene un papel importante en crear patrimonio en las familias estadounidenses.[:]

[:en]Homeownership: A Key to Well-Being in Retirement[:es]La propiedad de la vivienda: La clave para el bienestar en la jubilación [:]

Homeownership: A Key to Well-Being in Retirement | Simplifying The Market

[:en]There has been much talk about homeownership and whether it is a true vehicle for building wealth. A new report looks at the impact owning a home has on the financial wellbeing of people closing in on their retirement years (ages 55-64). In recently released study by the Hamilton Project, Ten Economic Facts about Financial ...

Continue Reading

[:en]Homeownership: A Key to Well-Being in Retirement[:es]La propiedad de la vivienda: La clave para el bienestar en la jubilación [:]

Homeownership: A Key to Well-Being in Retirement | Simplifying The Market

[:en]There has been much talk about homeownership and whether it is a true vehicle for building wealth. A new report looks at the impact owning a home has on the financial wellbeing of people closing in on their retirement years (ages 55-64).

In recently released study by the Hamilton Project, Ten Economic Facts about Financial Well-Being in Retirement, it was revealed that:

1. Middle-class households near retirement age have about as much wealth in their homes as they do in their retirement accounts.

“Over the past quarter century the largest single source of wealth for all but the richest households nearing retirement age has been their homes, which accounted for about two-fifths of net worth in the early 1990s and accounts for about one-third today.”

2. Home equity is a very important source of net worth to all but the wealthiest households near retirement age.

“Home equity is an important source of wealth for middle income households, accounting for more than one-third of total net worth for the second, third, and fourth quintiles of the net worth distribution… The fifth quintile has a much larger share in business equity—almost a quarter—than any other quintile. (The figure leaves out the bottom quintile of households because they have negative net worth. It is likely that these households will rely almost exclusively on Social Security in retirement.)”

Here is an asset breakdown for the middle 20% of Americans determined by median net worth ($165, 720):

Components of Net Worth | Keeping Current Matters

Obviously, the data again proves that homeownership has a big role in building wealth for American families.[:es]Se ha hablado mucho sobre el ser propietario de casa y si es un verdadero vehículo para crear patrimonio. Un reporte nuevo analiza el impacto que el ser propietario de casa tiene en el bienestar financiero de las personas cerca a sus años de jubilación (edades de 55 a 64)

En un estudio recientemente publicado por the Hamilton Project, Diez factores económicos sobre el bienestar financiero en la jubilación, reveló que:

1. Los hogares de clase media cerca a la edad de jubilación tienen tanto patrimonio en sus casas como el que tienen en sus cuentas para la jubilación.

“Durante el último cuarto de siglo la mayor fuente de riqueza para todos, excepto los hogares más acomodados, acercándose a la edad de jubilación ha sido su casa. Lo que representaba aproximadamente dos quintas partes del patrimonio neto a comienzos de los noventas y representa actualmente casi la tercera parte”.

2. El valor líquido en la casa es una fuente muy importante del patrimonio neto de todos, excepto los hogares más ricos, cerca a la edad de jubilación.

“El valor líquido en la casa es una fuente importante para el patrimonio de los hogares de ingresos medios, representando más que un tercio del patrimonio neto total para el segundo, tercer y cuarto quintil de la distribución del patrimonio neto… El quinto quintil tiene una proporción mucho más grande con el porcentaje del patrimonio empresarial – casi una cuarta parte, que cualquier otro quintil. (La figura deja fuera el quintil inferior de los hogares porque ellos tienen patrimonio neto negativo. Es probable que esos hogares van a depender casi exclusivamente en el seguro social en la jubilación)”.

Aquí está el desglose para el 20 % de los hogares estadounidenses de clase media determinado por el patrimonio neto medio ($165,720):

Patrimonio neto

Obviamente, los datos de nuevo prueban que el ser propietario de casa tiene un papel importante en crear patrimonio en las familias estadounidenses.[:]

[:en]Homeownership: A Key to Well-Being in Retirement[:es]La propiedad de la vivienda: La clave para el bienestar en la jubilación [:]

Homeownership: A Key to Well-Being in Retirement | Simplifying The Market

[:en]There has been much talk about homeownership and whether it is a true vehicle for building wealth. A new report looks at the impact owning a home has on the financial wellbeing of people closing in on their retirement years (ages 55-64). In recently released study by the Hamilton Project, Ten Economic Facts about Financial ...

Continue Reading
Copy Preview Copy Full Post
Copied! Go to your email or CRM and paste it.
Unable to Copy to Clipboard
Copy & Paste

You can easily email your Blog Posts in your current email platform or CRM by using the copy options here! After selecting Copy, you can then open an email in your email platform or CRM and Paste. You can select Copy Preview to include an intro to your blog post, with a link to Continue Reading on your Personalized Homepage, or Copy Full Post to copy the entire blog post. You can learn more about this feature by click here.

'


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.