The 85% Home-Country Bias Trap #shorts

Added: 2026-05-27

[00:00:00]Most American investors hold over 85% of their stock allocation in US equities.

[00:00:06]The exact same trap shows up in Germany, Japan, and Thailand.

[00:00:11]Different country, same arithmetic.

[00:00:14]The Investment Company Institute and Vanguard data put the average US retail investor at roughly 85% or higher in US equities.

[00:00:24]In Frankfurt, Bundesbank household asset surveys put the average German investor at roughly 60% in the DAX, Germany's main 30-company index.

[00:00:35]In Tokyo, Bank of Japan surveys put the average Japanese investor at roughly 70% in TOPIX.

[00:00:43]In Bangkok, the average Thai retail investor holds roughly 90% in the Stock Exchange of Thailand.

[00:00:50]Different language, same trap.

[00:00:53]And here is what it really means.

[00:00:55]If you are American with 85% in an S&P fund, which is itself 45% in seven stocks, your real exposure to those seven companies is roughly 38% of your entire stock book.

[00:01:09]Seven companies, 38%.

[00:01:12]Comment your home country percent if you know it.

[00:01:15]We will tell you whether the math is okay or whether it is the trap.

[00:01:20]Build wealth with patience, not panic.