Americans are rethinking what successful investing requires today and believe they need to supplement traditional asset types with new opportunities to further diversify and tailor their portfolios, according to findings from Charles Schwab’s 2025 Modern Wealth Survey. The annual survey examines Americans’ perspectives on saving, spending, investing, and wealth.
Schwab findings show that while stocks (64 percent), mutual funds (41 percent) and bonds (37 percent) remain core holdings, two-thirds of Americans (67 percent) believe they must look beyond those traditional investment products for greater diversification and investing success today, and 42 percent believe the classic 60/40 portfolio is outdated.
About half (52 percent) also say investing today requires more short-term risk-taking than in the past. In fact, trading is playing a bigger role in how Americans are approaching investing. For 43 percent of investors, trading activity has increased since
