La propiedad de la vivienda: La clave para el bienestar en la jubilación
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)
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):
Obviously, the data again proves that homeownership has a big role in building wealth for American families.
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