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As you've read in your text, the overall percentage of U.S.citizens participating in a stock market either through individualholdings or through financial intermediaries such as mutual fundshas declined since the 2008 recession. Prior to 2008, a greaterpercentage of Americans held stock market investments than do in2018. This is an interesting characteristic, given the followingfactors:Investing in the market through savings plans, 401k or 403baccounts, individual IRAs, or similar retirement plans has neverbeen easier given the amount of information available to anyindividual. Individuals can invest small amounts such as $20 andbenefit from dollar-cost averaging through automatic deposits andelectronic transactions such as payroll deductions.While a vast majority of Americans will be dependent on SocialSecurity as their primary source for retirement income, the messagethat relying solely on SS for retirement continues to be broadcastby media outlets such as the AARP.Since 2008, the markets have rebounded significantly from their2008 lows.Basic principles of investing are easily located on theinternet, from a variety of sources. For example, see the "IndexCard" resource posted in Week 5, which is a short list offundamental investing principles.For this discussion post, you are to state a position andpresent an argument related to the above state of investing by U.S.citizens today. Why has the overall percentage of Americansinvested in the market decreased in the last decade? And,subsequently, what can be done about this? Inyour argument, which is to be supported by both textbook andoutside research, delve into one or more of the primary conceptspresented in this week's readings. These include the various stockmarket indexes, international markets, the role of the mutual fundindustry, active versus passive investing, in addition to multipleother concepts.