Core Insights - Approximately 62% of Americans own stock, indicating a significant portion of the population is engaged in the market, but nearly 40% remain uninvolved [1] Income Disparities - Among households earning $100,000 or more, stock ownership is at 87%, while it drops to 28% for those earning $50,000, highlighting the impact of income on investment participation [2] Educational Influence - About 84% of college graduates invest in the market, compared to only 42% of individuals with a high school diploma or less, demonstrating the correlation between education level and stock ownership [3] Racial and Ethnic Factors - Stock ownership rates are 70% for White adults, 53% for Black adults, and 38% for Hispanic adults, reflecting historical wealth disparities and access to investment resources [4] Accessibility and Resources - The decision to invest in stocks is influenced by available resources, knowledge, and opportunities, indicating that stock ownership is not solely a personal choice [5] Closing the Gaps - Addressing the disparities in stock ownership requires improved access to affordable investing platforms, policy changes, employer support, and enhanced financial education [6]