Financial ConditionsQuarterly

SPY & Top 1% Share of Net Worth

The share of total U.S. household net worth held by the top 1% of households by wealth.

SPY Price

$688.98

Top 1% Share of Net Worth

Last Data: Q3 2025
Last Release: Jan 16, 2026
Next Release: TBD
31.7%

What It Measures

This indicator measures the percentage of total U.S. household wealth (assets minus liabilities) held by the top 1% of households ranked by net worth. It is calculated from the Federal Reserve's Distributional Financial Accounts (DFA). Net worth includes: - Real estate and housing equity - Corporate equities and mutual funds - Private business interests - Pension entitlements - Consumer durables and other assets - Minus: mortgages, consumer credit, and other liabilities

Why It Matters

**Wealth Inequality Gauge**: Provides a direct measure of how concentrated wealth is at the top of the distribution. **Economic Policy Debate**: Informs discussions about tax policy, estate taxes, and wealth redistribution. **Consumer Spending Implications**: Wealth concentration affects aggregate consumption patterns since wealthy households have lower marginal propensity to consume. **Social Stability Indicator**: Extreme wealth concentration has historically correlated with social and political tensions.

Key Levels

Above 35%
High wealth concentration at historical extremes
30-35%
Elevated wealth concentration
25-30%
Moderate wealth concentration
Below 25%
Lower concentration (pre-1990s typical)

Data Sources

SPY: S&P 500 ETF daily OHLCV data (1993-02-02 to 2026-01-22)

Top 1% Wealth: WFRBST01134 - Top 1% Share of Net Worth from Federal Reserve Board

Units: Percent, Not Seasonally Adjusted, Quarterly