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Financial Planning Chart of the Month

Chart of the Month – October 2026

Asset Composition by Age

Research by the Federal Reserve Bank of Richmond reveals information about the typical path and composition of assets held by Americans throughout adulthood.

As shown in the chart, real estate is the largest asset for most American adults, and this remains true into retirement as well. There is of course a lot of variation, but the average American has significantly more value in real estate at retirement age than stocks.1

Source: 1Jones, J. and Neelakantan, U. (2023) Portfolios across the U.S. Wealth Distribution. Federal Reserve Bank of Richmond.

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