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Crypto, Securities Lending & Fractional Shares

Balancing Access vs. Risk in Innovation







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Order Report - Crypto, Securities Lending & Fractional Shares: Balancing Access vs. Risk in Innovation

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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

Choose access licenses for your team or organization in ways that support how you collaborate. AVAILABLE FOR LICENSE TO NON TRENDS SUBSCRIBERS March 22, 2022.
Online only (1-20 log-ins) - $9,000
Online with slide download (1-50 logs-ins) - $12,000
Online with slide download, PPT & PDF (unlimited log-ins) - $19,000

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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Hearts & Wallets reports and research are for internal use only. Reports, wording of survey questions, structure of fields and data points are the property of Hearts & Wallets and are protected by copyright. Access to them is provided to you for internal strategic use only, and they cannot be used outside of your company without written consent from Hearts & Wallets LLC. Please contact Client Success to add more users for internal strategic access or to inquire about flexible options for licensing content for external use.

By clicking “I Agree”, you agree to our terms of use and that you have read our privacy policy.

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