Comparaison de la richesse générationnelle
Questions Fréquentes
Questions courantes sur Comparaison de la richesse générationnelle
Les repères proviennent des données de l’Enquête sur les finances des consommateurs de la Réserve fédérale, ajustées pour l’inflation en dollars de 2024. Nous comparons le revenu médian et la valeur nette de chaque génération au même âge, en tenant compte des conditions économiques propres à leurs périodes.
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Sources & References
Long-Term Investment Returns
Historical stock market returns averaging 10-11% annually with bonds at 5-6% create typical 7-9% blended portfolio returns. Actual returns vary significantly by period. Three-generation wealth calculations assume conservative 7% annual growth and periodic tax/fee impacts on transfers.
Multi-Generation Compounding
Calculations project investment growth over 60-90 years across multiple generations using compound annual growth rates. Simplified models assume consistent returns and strategic wealth transfer planning. Does not account for estate taxes, investment fees, inflation, or family consumption which significantly impact actual outcomes.
Wealth Preservation Challenges
Research shows 70% of families lose wealth by second generation, 90% by third. Successful multi-generational wealth requires financial education, family governance, professional advisors, and estate planning. Tax laws change significantly over decades. Simplified projections cannot capture complex family dynamics, economic cycles, and individual circumstances affecting actual outcomes.
⚠️ Wealth Preservation Challenges