• 随着房地产市场强劲、股市走高和401(k)养老金投资，美国百万富翁群体持续扩大。83万亿美元财富转移之后，人数还会进一步增加。瑞银（USB）最新数据显示，去年美国日均新增超1000名百万富翁，创下规模最大的“平民百万富翁”群体。对很多人来说，美国梦似乎难以企及，但近40万美国人已成功实现。
在很多美国人看来，带双车位和白色篱笆的大房子，还有储蓄丰厚的银行账户，这一梦想已逐渐褪色。但对去年37.9万美国新晋百万富翁而言，梦想正照进现实。
据投资银行瑞银的最新数据，2024 年美国每天（包括周末）新增超1000名百万富翁，超高净值人群比例增长1.5%。
如今以美元计美国百万富翁人数已居全球之首，是中国的四倍，更超过法国、英国、德国、加拿大、日本和澳大利亚百万富翁人数总和。
百万富翁人数激增背后，主要原因是房地产升值，不过美股创纪录的表现也功不可没。
“平民百万富翁”崛起
不同于人们想象中乘私人飞机、身穿普拉达的社会精英形象，瑞银报告称“平民百万富”，即资产在100万-500万美元之间的人群正成为增长主力。
截至去年年底，该群体持有总财富约为107万亿美元，是千禧年初的四倍多。2000年，全球平民百万富翁人数仅有1327万，2024年底已增至5200万人。相比之下，资产超过500万美元的富豪群体持有约119万亿美元财富。
报告指出，该群体财富增长的最大推动力是房地产升值，长期以来全球不少新晋百万富翁也得益于此。不过美国情况略有不同：房产和抵押贷款占其财富30%，保险和养老金占19%，但证券等金融工具占比高达37%。可见美国的企业和共同基金等投资策略效果显著，因而成为百万富翁增长最快的国家。
如果你还没加入百万富翁俱乐部，别担心，预计未来人数只会增加。未来20年至25年内，将有83万亿美元的财富大转移涌入全球市场，其中有74万亿美元属于代际传递。随着父母将财富传给X世代、千禧一代和Z世代子女，新晋百万富翁人数将持续保持高位。
美国梦仍在上层延续
对很多美国人而言，随着住房成本飙升，食品价格飞涨，再加上就业动荡，美国梦似乎逐步幻灭。
美联储（Federal Reserve）数据显示，2024年底美国前20%家庭平均净资产达430万美元，占据全美71%的财富，而后50%家庭平均财富约6万美元，拥有的财富仅占2.5%。对绝大多数美国人而言，跻身百万富翁就像白日梦。
新创办人工智能独角兽或金融科技公司并不现实，不过普通美国人正通过其他渠道积累财富。保险和养老金计划（如 401 (k)）已成为稳健增值的主流方式，只是Z世代尚未完全接受。即便近期市场表现低迷，股票等金融投资手段还是能迅速实现财富增值，尤其是在海外市场。
对于想通过房产跻身百万富翁的人们，白手起家的房地产大亨芭芭拉・柯克兰给出了关键建议。面对房贷利率，人们总会犹疑观望，这位真人秀Shark Tank上的投资大佬表示，利率非个人能左右，择机入市是上策。
“我的建议是立即行动……只要利率再降一个百分点，市场就会火起来，到时候房价只会更高，”2024年柯克兰接受彭博社（Bloomberg）采访时表示，“等利率再降一个百分点，就会看到房价起飞。”（财富中文网）
译者：梁宇
审校：夏林
• More Americans are now millionaires thanks to strong real estate markets, rising stock values, and 401(k) investments—and after the $83 trillion great wealth transfer, there will be even more. In fact, the U.S. minted over 1,000 new millionaires daily last year, ushering in the largest cohort of “everyday millionaires,” according to new data from USB. The American Dream may seem out of reach for many, but it’s become a reality for nearly 400,000 U.S. citizens.
Having a house with a two-car garage, a white picket fence, and a bank account stocked with sizable savings feels like a fading dream for many Americans. But the aspiration is alive and well for the 379,000 U.S. citizens who became millionaires last year.
The U.S. minted over 1,000 new millionaires a day in 2024—including weekends—as the proportion of Americans in the ultrawealthy club swelled by 1.5%, according to new data from investment bank UBS.
In fact, the 50 states now host the greatest number of USD millionaires in the world—four times as many as China, and more than that of France, the U.K., Germany, Canada, Japan, and Australia combined.
While much of this millionaire explosion can be attributed to rising real estate prices, the U.S. stock market’s record year was also a key money driver.
The rise of the “everyday millionaire”
While people might envision millionaires as jet-setting, Prada-wearing elite members of society, the UBS report points out a growing number of “everyday millionaires” stepping into the fold—characterized as people with assets between $1 million and $5 million.
This cohort held about $107 trillion in total wealth at the end of last year—more than four times the amount they owned at the turn of the millennium. In 2000, there were only 13.27 million everyday millionaires, but by the end of 2024, the group grew to 52 million people worldwide. Comparatively, millionaires with more than $5 million in assets hold about $119 trillion globally.
The biggest driver of their wealth has been rising real estate values—a long-term upward trend that is minting new millionaires globally, says the report. However, Americans are a bit different. While real estate and mortgages account for 30% of their wealth, 19% is wrapped up in insurance and pensions, and a whopping 37% is tied to securities and other financial instruments. U.S. investment strategies are paying off, like corporate and mutual fund shares, which made way for the largest cohort of millionaires to join the ultrawealthy club.
But if you’re not part of the club yet, don’t worry: The number is only expected to increase. A great wealth transfer of $83 trillion is expected to flood global markets over the next 20 to 25 years, with $74 trillion anticipated to be passed between generations. As parents pass down their money to their Gen X, millennial, and Gen Z kids, new millionaires will continue to be minted at high rates for decades.
The American Dream is still alive—at the top
The American Dream seems to be a dying ideal for many U.S. citizens as housing costs go through the roof, groceries become unaffordable, and jobs are disrupted.
America’s top 20% household earners—averaging a net worth of $4.3 million—accounted for about 71% of the U.S.’s total wealth at the end of 2024, according to data from the Federal Reserve. Meanwhile, the bottom half of American households, averaging about $60,000 in wealth, owned just 2.5% of the country’s wealth. For the vast majority of U.S. citizens, joining the millionaire club still looks like a pipe dream.
While launching the next big AI startup or fintech company is unrealistic for many, average Americans are building their wealth through other channels. Insurance and pension plans—like 401(k)s—have been a popular method to grow wealth steadily, even if Gen Z isn’t fully on board yet. And despite how poor the markets have looked as of late, stocks and other financial investments are known to drive growth extremely quickly, especially in foreign markets.
For those hoping to boast a seven-figure net worth by getting into the growing world of home ownership, self-made real estate millionaire Barbara Corcoran has a critical piece of advice. It’s easy for people to gawk at mortgage rates, but the Shark Tank investor says it’s out of anyone’s control, and it’s best to make the jump.
“I would say, get out there…you need one more point to bring everybody out into the market, and what’s going to happen is you’re going to pay more for the house,” Corcoran said in a 2024 interview with Bloomberg. “Wait until you see what happens with prices when interest rates come down another percentage point.”