2026年6月4日 美国东部时间下午3:16 / 哥伦比亚广播公司新闻
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根据一份最新报告，美国去年新增73.6万名百万富翁，使得拥有此类财富的美国人总数达到创纪录的870万。
咨询公司凯捷在周四发布的《2026年全球财富报告》中表示，百万富翁财富的统计口径为可投资资产，不包括个人主要住宅、收藏品、易耗品和耐用消费品。该公司告诉哥伦比亚广播公司新闻，美国百万富翁人数是凯捷30年前开始追踪财富趋势以来的最高值。
股市是新增百万富翁人数激增的主要推动因素：标普500指数和以科技股为主的纳斯达克综合指数去年分别上涨约18%和21%。凯捷称，美国富裕人群去年的股票资产配置比例也增加了约5个百分点，从投资组合的22%升至27%，推高了他们的财富。
百万富翁人数的激增也凸显出美国低收入和高收入家庭之间的差距不断扩大，许多美国人难以负担生活成本。阿波罗全球管理首席经济学家托尔斯滕·斯洛克表示，年收入低于5万美元的家庭情绪日益低落，而年收入超过10万美元的家庭则更有信心。
“这种分化可能是因为低收入家庭担忧汽油价格上涨，而高收入家庭则关注股价上涨，”斯洛克在5月6日的一篇博客文章中写道。
当你的股票投资组合和401(k)退休账户增值——标普500指数2026年迄今已上涨10.6%——时，你会更容易对自己的财务状况感到乐观。然而，大约一半的美国人没有退休计划保障，他们只能在没有投资财富增长缓冲的情况下，应对高油价和居高不下的通胀。
典型的美国百万富翁是什么样的？
尽管凯捷没有收集美国百万富翁的人口统计数据，但其他研究为了解富裕美国人提供了视角。
金融服务集团益保的报告显示，典型的新晋百万富翁是X一代或婴儿潮一代，他们的大部分财富都投入了退休投资。美国人通常在50多岁或60多岁时迈入百万富翁门槛，60多岁群体的平均退休资产为120万美元。
益保还发现，百万富翁有一些共同的行为特征。其中之一是，95%的百万富翁拥有自己的住房，而全美整体人口的自有住房率约为66%。
虽然凯捷的统计未将主要住宅纳入分析，但此前的研究表明，住房所有权与财富之间存在紧密关联。根据美联储最新的《消费者财务调查》，2022年房主的平均净资产为150万美元，而租房者仅为15.4万美元。
不过，成为百万富翁可能已不像一二十年前那样具有同等的财富象征意义，当时百万富翁身份被视为财富的标志。益保的调查发现，如今美国人认为，要被视为“财务上成功”，平均需要拥有530万美元的财富。
编辑：阿兰·谢特
The U.S. is minting more millionaires than ever. Here’s why.
June 4, 2026 3:16 PM EDT / CBS News
By
The U.S. minted 736,000 new millionaires last year, bringing the total number of Americans with such wealth to a record 8.7 million, according to a new report.
Millionaire wealth is measured by investable assets, excluding individuals’ primary residences, collectibles, consumables and consumer durable goods, consulting firm Capgemini said in its World Wealth Report 2026, released Thursday. The number of U.S. millionaires is the highest since Capgemini started tracking wealth trends three decades ago, the company told CBS News.
The stock market was a primary driver of the surge in new millionaires, with the S&P 500 and tech-heavy Nasdaq Composite Index rising about 18% and 21% last year, respectively. Wealthy Americans also increased their equity allocations last year by about 5 percentage points, from 22% to 27% of their portfolios, boosting their wealth, Capgemini said.
The jump in the number of millionaires also underscores a widening divide in the U.S. between low- and high-income households as many Americans struggle to afford the cost of living. Households earning below $50,000 a year are increasingly gloomy, while those with incomes above $100,000 are showing greater confidence, according to Apollo chief economist Torsten Slok.
“This divergence is likely driven by lower-income households worrying about rising gas prices, while higher-income households are focusing on rising stock prices,” Slok wrote in a May 6 blog post.
When your stock portfolio and 401(k) are surging — with the S&P 500 index up 10.6% so far in 2026 — it’s easier to feel good about your finances. Yet roughly half of Americans lack access to a retirement plan, leaving them to grapple with high gas prices and elevated inflation without the buffer of rising investment wealth.
Who is the typical U.S. millionaire?
While Capgemini didn’t collect demographic data on U.S. millionaires, other research offers insight into wealthy Americans.
The typical newly minted millionaire is a Gen Xer or baby boomer with much of their wealth tied up in retirement investments, according to financial services group Empower. Americans typically cross the millionaire threshold in their 50s or 60s, with 60-somethings holding average retirement assets of $1.2 million, the group said in a report.
Millionaires also share a few behavioral traits, Empower found. For one, 95% own their own home, compared with about 66% of the overall U.S. population.
Although Capgemini excluded primary residences from their analysis, previous research shows a strong link between homeownership and wealth. Homeowners had an average net worth of $1.5 million in 2022, compared with $154,000 for renters, according to the most recent Federal Reserve Survey of Consumer Finances.
Still, becoming a millionaire may not carry the same cachet as it did a decade or two ago, when it was considered the mark of wealth. Today, Americans believe they need to have an average of $5.3 million in wealth to be considered “financially successful,” Empower found.
Edited by Alain Sherter
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