Slightly more than half of Americans (52%) say they currently have money invested in the stock market. This matches the low first reached in 2013 for Gallup's 19-year trend.

Thirty-five percent of Americans favor real estate as the best long-term investment choice, a four-percentage-point gain from last year that moves it further ahead of stocks (22%), gold (17%), savings accounts (15%) and bonds (7%).

Fewer retired U.S. investors today than in 2015 are optimistic that they can maintain their income or reach short-term investment targets over the next year. They remain optimistic about reaching their five-year investment goals.

U.S. investors are no more inclined now than a year ago to favor digital financial advice over traditional resources. About half still prefer relying on a personal financial adviser; 24% favor digital tools and 18% on-call advice.