Fed DFA — Wealth Concentration Baseline
dataMoney & Finance
The richest 1% of Americans hold nearly a third of the country's net worth, while the bottom half holds about 2.5%.
Who they are
This is the Federal Reserve's official wealth data (Distributional Financial Accounts) for late 2025.
What they do
It's the hard baseline showing how concentrated US wealth is, the numeric floor of the 'Scored Mass' at the bottom of the ladder.
How it works
The top 1% hold about $56.9 trillion in total assets (~31.9% of net worth); the bottom 50% have about $10.38T in assets but only ~$4.3T in net worth (~2.5% share); the top 0.1% hold about 14.5% of all net worth.
Why it matters
It documents the raw scale of wealth concentration, with the engine carefully warning that gross-asset shares and net-worth shares are different measures that must be kept separate.
The engine's record — word for word
[Report #114 — Caste Ladder] [web-checked Jun 18 2026] Federal Reserve Distributional Financial Accounts, Q4 2025 (rel. Jun 2 2026). DISTINGUISH bases: top 1% ~$56.9T TOTAL ASSETS (~31.9% of NET WORTH); bottom 50% ~$10.38T TOTAL ASSETS but only ~$4.3T NET WORTH (~2.5% net-worth share); top 0.1% ~14.5% of aggregate net worth (corrected from the report's 13.2%). The quantitative floor of Rung 1 — the Scored Mass. CAVEAT: total-assets (gross) vs net-worth shares are different bases; keep distinct.
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