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August AAII Asset Allocation Survey: Stocks and Cash Allocations Increase

Individual investors’ fixed-income allocations declined compared to last month, according to the August AAII Asset Allocation Survey. While fixed-income allocations decreased, equity and cash allocations increased.

Stock and stock fund allocations increased by 0.2 percentage points to 68.5%. While the overall stock allocation increased, it’s worth noting that stock fund allocations increased 0.9 percentage points, while stock allocations decreased 0.7 percentage points. The overall stock allocation remains above its historical average of 61.0%.

Bond and bond fund allocations declined by 1.5 percentage points. The decline moved bond allocations slightly further from the historical average of 16.0%, after coming close to the average last month.

Cash allocations increased 1.3 percentage points, to 17.1%. This breaks the May-to-July pattern of cash allocations staying between 15.7% and 15.9%. While cash allocations increased, they remain well below the historical average of 23.0%.

Investors likely focused on earnings season during August, which showed strong corporate earnings growth. While tariff concerns remain, these concerns haven’t significantly affected individual investors’ asset allocations.

July AAII Asset Allocation Survey results:

  • Stocks and stock funds: 68.5%, up 0.2 percentage points
  • Bonds and bond funds: 14.4%, down 1.5 percentage points
  • Cash: 17.1%, up 1.3 percentage points

July AAII Asset Allocation Survey details:

  • Stock Funds: 37.6%, up 0.9 percentage points
  • Stocks: 30.9%, down 0.7 percentage points
  • Bond Funds: 11.5%, down 1.0 percentage point
  • Bonds: 2.9%, down 0.5 percentage points

Historical Averages:

  • Stocks/Stock Funds: 61.0%
  • Bonds/Bond Funds: 16.0%
  • Cash: 23.0%

*The numbers are rounded and may not add up to 100%.

The AAII Asset Allocation Survey has been conducted monthly since November 1987 and asks AAII members what percentage of their portfolios are allocated to stocks, stock funds, bonds, bond funds and cash. The survey and its results are available online at: www.aaii.com/investor-surveys.

Want to weigh in? Take the survey yourself and see results online at www.aaii.com/assetallocationsurvey

If you want to become an effective manager of your own assets and achieve your financial goals, consider a risk-free 30-day Trial AAII Membership.

 

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