Crypto, Securities Lending & Fractional Shares
Balancing Access vs. Risk in Innovation
Order Report - Crypto, Securities Lending & Fractional Shares: Balancing Access vs. Risk in Innovation
Report Overview
Nearly 50% of US households are interested in or use use fractional shares, approximately 25% use crypto, and 20% use securities-based lines of credit. What some would consider riskier investment products are on the rise -- especially with the younger generations. This report explores consumer trends related to these emerging products.
Key Findings
- Nearly half of U.S. retail investing households use or are interested in fractional shares.
- One in 4 households uses crypto, with trading driving the nearly 3-fold increase year over year.
- Nearly 1 in 5 households has a securities-based line of credit (SBLOC), with an additional 1 in 5 interested in obtaining one.
- Prudently innovative companies should address crypto, fractional shares and SBLOCs in ways that keep consumers safe while understanding the bigger need is simple ways to engage risk averse households.
Pricing
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Sample Report Pages
Table of Contents
Methodology 1-4
Key Findings & Implications 5
Favorite Statistics 6
Related Research. 7
Key Findings
1: Nearly half of U.S. retail investing households use or are interested in fractional shares. 8-13
Exhibit 1.1 – Fractional Shares, Awareness & Use/Interest: National, 2021
8
Exhibit 1.2 – Fractional Shares, Awareness & Use/Interest: by Generation, 2021
9
Exhibit 1.3 – Fractional Shares, Awareness & Use/Interest: by Investable Assets, 2021
10
Exhibit 1.4 – Fractional Shares: Awareness & Use/Interest: by Generation, by Investable Assets, 2021
11
Exhibit 1.5 – Fractional Shares, Awareness & Use/Interest: by Gender, 2021
12
Exhibit 1.6 – Fractional Shares, Use: by Store*, 2021
13
2: One in 4 households uses crypto, with trading driving the nearly 3-fold increase year over year. 14-22
Exhibit 2.1 – Cryptocurrency Use: National, by Year
14
Exhibit 2.2 – Cryptocurrency Use: National, 2021
15
Exhibit 2.3 – Reasons for Using Cryptocurrency, by Year
16
Exhibit 2.4 – Engagement with Cryptocurrency NET: by Select Segments (Gender, Generation, Investable Assets), by Year
17
Exhibit 2.5 – Engagement With Cryptocurrency NET: by Experience With Investing, by Year
18
Exhibit 2.6 – Crosstab of Crypto Traders for Volatility by Perception of Experience with Investing: 2021
19
Exhibit 2.7 – Engagement with Cryptocurrency NET: by Generation, by Investable Assets, by Year
20
Exhibit 2.8 – Engagement with Cryptocurrency NET: by Metro Area*, by Year
21
Exhibit 2.9 – Engagement with Cryptocurrency NET: by Store*, by Year
22
3: Nearly 1 in 5 households has a securities-based line of credit (SBLOC), with an additional 1 in 5 interested in obtaining one. 23-28
Exhibit 3.1 – Securities-Based Lines of Credit, Use/Interest: National, 2021
23
Exhibit 3.2 – Securities-Based Lines of Credit, Use/Interest: by Generation, 2021
24
Exhibit 3.3 – Securities-Based Lines of Credit, Use/Interest: by Investable Assets, 2021
25
Exhibit 3.4 – Securities-Based Lines of Credit, Use/Interest: by Generation, by Investable Assets, 2021
26
Exhibit 3.5 – Securities-Based Lines of Credit, Use/Interest: by Gender, 2021
27
Exhibit 3.6 – Securities-Based Lines of Credit, Use: by Store*, 2021
28
4: Prudently innovative companies should address crypto, fractional shares and SBLOCs in ways that keep consumers safe while understanding the bigger need is simple ways to engage risk averse households. 29-41
Exhibit 4.1 – Risk Tolerance: by Crypto Traders for Volatility, by Year
29
Exhibit 4.2 — All Attitudes: by Crypto Use Segmentation, 2021
30
Exhibit 4.3 – Saving & Investing Goals by Cryptocurrency Use: Millennials, 2021
31
Exhibit 4.4 – Crosstab of Risk Tolerance by Securities-Based Lines of Credit, Use/Interest: National, 2021
32
Exhibit 4.5 – Crosstab of Asset Allocation to Equity by Securities-Based Lines of Credit, Use/Interest: National, 2021
33
Exhibit 4.6 – Overall Asset Allocation: by Use/Interest in Securities-Based Lines of Credit, 2021
34
Exhibit 4.7 – Selected Saving & Investing Goals: by Use/Interest in Securities-Based Lines of Credit, 2021
35
Exhibit 4.8 — Sizing SBLOC Opportunity, With Crosstab of Crypto Use: Households & Investable Assets, 2021
36
Exhibit 4.9 — Sizing Fractional Share Opportunity, With Profile by Generation & Investable Assets: Households, 2021
37
Exhibit 4.10 – Asset Allocation to Equity: by Fractional Shares Awareness & Use/Interest, 2021
38
Exhibit 4.11 – Risk Tolerance: by Fractional Shares, Awareness & Use/Interest, 2021
39
Exhibit 4.12 – Sizing of “Risky Business” Segmentation: Households & Investable Assets, 2021
40
Exhibit 4.13 – Investable Asset Ranges: by “Risky Business” Segmentation, 2021
41
Data Dictionary 42-44
Appendix 45
Glossary 46
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