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Retail investors have a less diversified portfolio than institutions. While retail investors hold more stocks than institutions, they also hold more cash. Institutions allocate more to alternative investments, perhaps reflecting the size of their portfolio and the increased access to non-traded securities.
 

Source: Empower, Prequin

The investor data is about an average 40-year-old retail Investor portfolio from a study published by Empower in 2025. The institution's average portfolio allocation data was released by Preqin in 2024. This graph was produced by Lucas Juery, CFA, CFP^Ⓡ and is not intended to provide financial advice.

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