NEW YORK (AP) — Nearly half of all U.S. households don’t own any stocks, and a disproportionate number of them are from Black and other minority households. That includes many who could afford to invest in stocks but don’t. Whether because of fear of losses or never learning about investing while growing up, researchers say Black households are much less likely to own stocks than white households of similar wealth. That means they’ve missed out on not only the stock market’s snap back to record heights in recent months but also its tripling over the last decade. And it’s helping to further the nation’s wealth divide.