How Middle Class Investors Miss Out on Art and Collectibles

In this episode, Lucas and Luna explore why the ultra-wealthy allocate 5 to 10 percent of their portfolios to art, classic cars, and collectibles, while the middle class almost never does. They unpack a 2024 Deloitte report showing the art market reached $67.8 billion in sales, yet most middle class investors lack access to fractional ownership platforms that could open the door. Lucas explains the structural barriers—illiquidity, high transaction costs, and the need for expertise—that keep everyday investors out. Luna challenges whether the returns justify the risk, citing a 2023 Citi study that art underperformed the S&P 500 over the last 25 years. The conversation lands on a practical takeaway: the middle class may be better off investing in knowledge of the market before buying a fractional share of a Basquiat. They also briefly touch on how the show stays ad-free and listener-supported. #ArtInvesting #Collectibles #WealthInequality #MiddleClass #FractionalOwnership #AlternativeAssets #DeloitteReport #CitiStudy #Basquiat #ClassicCars #Masterworks #Economics #FexingoBusiness #BusinessPodcast #WealthDistribution #PortfolioDiversification #LiquidityPremium #ArtMarket Keep every episode free: buymeacoffee.com/fexingo