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  The Bull Market Began 10 Years Ago. Why Aren’t More People Celebrating?

  Americans are still scarred by the financial crisis, and the fruits of this decade’s record-breaking rally fell mostly to the rich.

  By Matt Phillips

  Why so somber?

  The psychological and financial damage inflicted by the 2008 financial crisis and the ensuing Great Recession continue to weigh heavily. Fewer people are invested in stocks than before that meltdown, and many of them are wary of taking their gains for granted. That caution could last for decades.

  “This was probably the most disliked or most suspected rally that we’ve ever had in the stock market,” said Charles Geisst, a professor at Manhattan College who has studied the history of financial markets.

  On March 9, 2009, the day the bull market was born, the stock market, like the economy, was in deep, seemingly existential distress. The S&P 500 was down 57 percent from its 2007 peak.

  Compounding the pain was the nationwide collapse in home prices, which landed a direct hit on most households’ greatest source of wealth.

  The one-two punch destroyed the finances of millions of families. Between 2007 and 2010, the median wealth of a household in the United States dropped 44 percent, knocked below 1969 levels.

  Every crash has a bottom, though, and in March 2009, the Federal Reserve announced that it would spend trillion in newly created dollars on government and mortgage bonds to push interest rates lower. It was the dawn of “quantitative easing” — and, it would turn out, a new bull market. The S&P 500 rose 8.5 percent that month, its best monthly performance in more than six years.

  “That should have been the signal to everyone that you can go out there and buy stocks with impunity,” said Byron Wien, vice chairman of the private wealth group at Blackstone, the private equity firm.

  But to buy stocks, you need money. After watching their fortunes — and retirement funds — shrivel, few Americans were in a position to take a fresh flier on beaten-down stocks.

  Those who could were already well-off. In 2007, the wealthiest 10 percent of American families owned 81 percent of the nation’s household stock market wealth, according Ed Wolff, a professor of economics at New York University who studies the distribution of wealth in the United States. By 2016, they owned 84 percent, he said.

  The recovery in the stock market made those families even richer, increasing their net worth by double-digit percentages. Median American family wealth, meanwhile, dropped 34 percent.

  In the past, such episodes of wealth destruction cast long shadows. For much of the 20th century, the financial habits of the American public were heavily influenced by memories of the Great Depression.

  Even in the 1960s, survey data showed that people who were young during the Great Depression were much less likely to invest in stocks, according to research by two economists, Ulrike Malmendier of the University of California, Berkeley, and Stefan Nagel of the University of Chicago.

  The 2008 crisis was nowhere near as severe, but a similar dynamic may be affecting people who started their working lives around that time.

  Gallup survey data shows that in the last decade, an average of 38 percent of Americans under the age of 35 have money invested in the stock market. That compares with 52 percent before the crisis.

  Even those who are invested are behaving differently, both in how they invest and what they’re doing with the proceeds.

  In the decade since the bull market began, the share of Americans investing via index funds, which aim to mimic the performance of benchmarks like the S&P 500, has increased significantly.

  In 2017, 43 percent of all the money in American stock market funds was in index funds. Back in 2007, only 19 percent of stock market assets were in these passive strategies, a style of investing that acknowledges that, for most people, trying to beat the market through savvy trading is a mug’s game.

  Americans also appear to be less willing than in previous booms to let the rise in stock market wealth on paper lead to a surge in spending. Family savings rates have stayed stubbornly high by historical standards.

  “Households continue to kind of treat their capital gains, realized or unrealized, more cautiously than they did in the 1990s or the 2000s,” said Michael Feroli, chief United States economist at J.P. Morgan.

  In part, this is because many stock owners are baby boomers, who might have enjoyed spending their stock market gains 20 years ago but are now more worried about preserving wealth as they retire.

  Fred Wallace, a 64-year-old retired HBO executive in Los Angeles is one of them. When the stock market took a dive in December, he cut his holdings of stock and moved money into cash and bonds.

  “That allows you to sleep at night because you know that if stocks tank it doesn’t really matter,” Mr. Wallace said.

  But even among Americans who are just starting their careers, this risk-aversion could linger.

  Research from Ms. Malmendier and Mr. Nagel, the economists, suggests that enduring financial traumas at a relatively young age can shape people’s behavior for decades. Younger Americans, Ms. Malmendier said, are unlikely to be eager to take big risks in the stock market any time soon.

  “We don’t see that happening,” she said. “People were scarred from that experience.”

B:

  

  金华二中特长生考试内容及合格标准【随】【着】【传】【送】【门】【一】【阵】【波】【动】,【两】【人】【回】【到】【了】【遥】【远】【的】【天】【心】【州】,【吟】【沙】【王】【城】【之】【中】, 【苒】【依】【儿】【却】【是】【回】【避】【进】【入】【了】【那】【玉】【佩】【之】【中】,【继】【续】【起】【了】【未】【完】【成】【的】【修】【炼】,【留】【他】【一】【个】【人】【安】【排】【接】【下】【来】【的】【路】【程】。 【传】【送】【门】【前】【方】【不】【远】【处】,【出】【现】【了】【许】【多】【收】【费】【的】【载】【人】【灵】【兽】,【吟】【沙】【王】【城】【似】【乎】【恢】【复】【了】【以】【往】【的】【繁】【荣】,【出】【现】【了】【商】【人】【兼】【修】【士】【身】【份】【的】'【商】【修】'。 “【嘿】,【去】【哪】【儿】【啊】?

【修】【双】【卿】【大】【约】【是】【从】【两】【岁】【多】【开】【始】【会】【记】【事】【的】,【那】【时】【候】【她】【就】【能】【帮】【娘】【亲】【抓】【药】【了】,【由】【于】【双】【卿】【与】【她】【的】【娘】【亲】【言】【医】【师】【长】【得】【很】【是】【相】【像】,【从】【小】【伶】【俐】【嘴】【甜】,【极】【讨】【大】【人】【喜】【欢】。【特】【别】【是】【一】【张】【小】【嘴】,【见】【人】【就】【会】【叫】,【若】【是】【看】【到】【大】【人】【手】【里】【拎】【着】【东】【西】,【还】【会】【抢】【着】【帮】【大】【人】【提】【回】【家】,【不】【少】【人】【都】【夸】【她】【乖】【巧】【能】【干】。 【有】【人】【就】【打】【趣】【双】【卿】,【说】:“【卿】【卿】【这】【孩】【子】【要】【是】【长】【大】【了】,【肯】

【今】【天】【小】【编】【给】【大】【家】【推】【荐】【的】【是】【一】【套】【实】【际】【面】【积】【仅】【仅】49㎡【的】【小】【户】【型】【房】【子】,【看】【似】【那】【么】【小】,【却】【能】【住】【下】【三】【代】【人】,【是】【不】【是】【超】【级】【好】【奇】【这】【样】【的】【房】【子】【怎】【么】【设】【计】【的】?

  【本】【来】,【一】【号】【兔】【子】【精】【没】【想】【那】【么】【多】,【现】【在】【一】【听】【许】【岚】【焰】【这】【话】,【她】【更】【是】【确】【定】【了】【兔】【女】【王】..【果】【然】【都】【是】【在】【撒】【谎】【的】! “【你】【想】【什】【么】【呢】?”【许】【岚】【焰】【问】。 【一】【号】【兔】【子】【精】【摇】【了】【摇】【头】,【低】【下】【了】【头】。 【许】【岚】【焰】【看】【一】【号】【兔】【子】【精】【不】【想】【说】【话】,【便】【没】【有】【在】【问】【下】【去】【了】。 “【你】【还】【会】【这】【个】?”【风】【起】【时】【惊】【讶】【看】【着】【许】【岚】【焰】【问】。 “【我】【师】【傅】【可】【是】【火】【神】,【我】【只】【要】金华二中特长生考试内容及合格标准【周】【月】【玉】【手】【一】【闪】,“【啪】”【的】【一】【下】,【就】【给】【极】【其】【狠】【辣】,【贴】【在】【了】【这】【唯】【一】【一】【个】,【男】【生】【的】【肩】【头】,【看】【似】【在】【笑】,【平】【静】【问】【道】:“【可】【不】【可】【以】【再】【来】【解】【释】【一】【下】?” “【我】……”【王】【表】【一】【个】【怔】【然】,【所】【有】【笑】【容】,【一】【下】【凝】【固】,【似】【乎】【真】【的】【不】【会】【再】【有】,【多】【余】【的】【心】【思】,【而】【是】【就】【这】【样】,【想】【要】【用】【如】【此】【绝】【招】,【蒙】【混】【下】【去】。 【周】【月】【却】【不】【依】【不】【饶】,【非】【但】【不】【会】【再】【有】【了】【半】【点】【的】

  【如】【此】【猛】【烈】【的】【阵】【仗】,【外】【面】【的】【弟】【子】【都】【眩】【晕】,【更】【不】【用】【说】【阵】【内】【接】【受】【筛】【查】【的】【人】,【但】【是】【他】【们】【偏】【偏】【不】【敢】【运】【功】【抵】【御】。 【吼】…… 【张】【新】【觉】【再】【次】【爆】【吼】【一】【声】,【口】【中】【竟】【快】【速】【长】【出】【尖】【牙】,【现】【出】【了】【真】【身】,【更】【加】【猛】【烈】【的】【撞】【击】【光】【幕】。 “【旱】……【魃】……”【张】【家】【族】【人】【都】【看】【呆】【了】,【特】【别】【是】【年】【轻】【弟】【子】,【还】【是】【第】【一】【次】【见】。 “【魃】【什】【么】!【一】【个】【蓝】【眼】【僵】【也】【敢】【放】【肆】!

  【中】【北】【星】【的】【乌】【波】【斯】【城】,【赫】【斯】【特】【的】【庄】【园】【后】【院】,【两】【把】【金】【剑】【在】【空】【中】【交】【击】,【挥】【舞】【着】,【葛】【瑞】【斯】【看】【着】【赫】【斯】【特】,【感】【知】【着】【曾】【经】【觉】【得】【难】【以】【匹】【敌】【的】【完】【美】【剑】【技】,【如】【今】【却】【能】【从】【中】【找】【到】【破】【绽】【和】【机】【会】。 【这】【和】【赫】【斯】【特】【的】【虚】【弱】【状】【态】【有】【关】。 【但】【更】【大】【的】【原】【因】【还】【是】【基】【于】【葛】【瑞】【斯】【自】【身】【的】【成】【长】【和】【提】【升】。 【赫】【斯】【特】【问】【道】:“【你】【对】【自】【己】【的】【未】【来】【有】【何】【规】【划】?” 【葛】【瑞】

  【伪】【军】【和】【龟】【笋】【小】【队】【被】【少】【年】【团】【围】【困】,【他】【们】【是】【想】【突】【围】【出】【去】,【可】【是】【被】【死】【守】【的】【根】【本】【就】【动】【弹】【不】【得】,【求】【援】【也】【是】【很】【久】【没】【回】【应】,【县】【城】【离】【这】【里】【很】【近】,【按】【理】【说】【过】【来】【的】【速】【度】【不】【应】【该】【比】【蜗】【牛】【还】【慢】【的】! 【可】【是】【等】【了】【天】【亮】【都】【没】【看】【见】【鬼】【子】【的】【毛】,【这】【时】,【徐】【磬】【峰】【感】【觉】【不】【大】【对】【劲】,【凝】【眉】【道】:“【县】【城】【离】【这】【里】【也】【不】【过】【十】【几】【里】,【如】【果】【是】【正】【常】【的】【情】【况】【鬼】【子】【也】【该】【到】【了】,

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赛子骞
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#联想戴尔神舟笔记本#【恶】【魔】【忽】【然】【间】【凄】【厉】【地】【叫】【了】【起】【来】。【不】【过】【裴】【立】【安】【早】【有】【准】【备】【地】【在】【他】【们】【周】【围】【设】【置】【了】【隔】【音】【魔】【法】,【所】【以】【他】【们】【也】【不】【怕】【其】【他】【人】【听】【见】【这】【样】【可】【怕】【的】【叫】【声】【而】【赶】【来】。 【当】【裴】【立】【安】【稍】【微】【停】【下】【了】【手】【上】【灌】【输】【的】【魔】【力】,【恶】【魔】【停】【下】【了】【惨】【叫】【并】【喊】【道】:“【这】【不】【可】【能】【是】【精】【灵】【的】【力】【量】。” 【裴】【立】【安】【耸】【了】【耸】【肩】【道】:“【那】【你】【觉】【得】【我】【不】【是】【精】【灵】【吗】?” 【虽】【然】【裴】【立】【安】【本】【身】【是】【混】
娜塔丽波特曼
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#广东湛江发生什么事#【如】【果】【不】【是】【巴】【川】【对】【着】【小】【马】【的】【脑】【袋】【给】【了】【一】【个】【爆】【炒】【栗】【子】,【小】【马】【还】【愣】【愣】【的】【不】【知】【所】【措】,【银】【子】【也】【是】【巴】【川】【塞】【给】【老】【马】【的】,【虽】【然】【老】【马】【不】【知】【道】【发】【生】【了】【什】【么】,【小】【马】【也】【不】【会】【说】【话】,【但】【这】【父】【子】【俩】【好】【像】【有】【什】【么】【特】【殊】【的】【沟】【通】【方】【式】,【老】【马】【竟】【然】【也】【大】【概】【明】【白】,【只】【是】【搂】【着】【小】【马】【摸】【了】【摸】【他】【的】【头】,【像】【是】【在】【抚】【摸】【一】【只】【迷】【路】【还】【饿】【了】【好】【几】【天】【的】【小】【狗】。 【小】【马】【不】【是】【小】【狗】,【但】【小】
铁红香
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发表于 2019-02-28 05:45:24 3#
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注册时间:2009-9-20
#男孩子看女孩子#“【你】【该】【死】!” 【问】【天】【看】【着】【洛】【基】,【一】【字】【一】【顿】【的】【说】【道】。 【而】【洛】【基】【则】【是】【无】【所】【谓】【的】【笑】【了】【笑】。 【不】【知】【为】【何】,【见】【到】【问】【天】【如】【此】【暴】【怒】【他】【就】【格】【外】【的】【开】【心】。 【这】【或】【许】【就】【是】【将】【自】【己】【的】【快】【乐】【建】【立】【在】【别】【人】【的】【痛】【苦】【之】【上】【吧】。 “【呵】,【本】【来】【想】【跟】【你】【好】【好】【说】【话】【的】,【你】【偏】【不】【要】…【现】【在】【怪】【我】【来】【了】。【真】【是】【讽】【刺】【呢】。” 【两】【人】【交】【谈】【的】【时】【候】,【所】【处】【的】【这】【栋】【女】
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