Banking executive Bob Marshall, an active stock investor, poses for a photo at his home in Ashburn, Va., Friday, Aug. 7, 2020. Nearly half of all U.S. households don’t own any stocks, and a disproportionate number of them are from Black and other racial-minority households. Differences in financial-literacy education may be one factor, Marshall said. Or, because fewer Black families have wealth that has carried through generations, they may be more wary of risky investments. (AP Photo/J. Scott Applewhite)