1. if anyone works for a corporation of any size they have a pension program, which nor buys stocks.
That is factually incorrect.
First of all, I suspect you don't even know what "corporation" means. I suspect you mean "company," which includes different types of corporations as well as other types of companies -- privately-owned businesses, partnerships, etc. But let's just go with "corporation," just for kicks and grins.
Not all corporations offer pensions.
ERISA stipulates that IF a company offers a pension plan to any of its employees, then it is required to offer that same pension to all of its employees. However, there is literally NO law stating that a corporation is required to offer a pension plan at all. Not in ERISA, not in any federal code.
In my state of Oregon, there is a law that any employer with more than 5 FTEs (that means five full-time employees, or however many part-time employees would be the equivalent, in hours worked, of 5 full-time employees) must either offer a pension plan to its employees OR enable its employees to participate in a state-run savings plan. The state-run savings plan is not a stock-based investment account, it's just a savings account.
Do you have any idea how many corporations have fewer than 5 FTEs?
According to
https://www.naics.com/business-lists/counts-by-company-size/, over 70% of businesses in the US have fewer than 5 employees. Almost 90% have fewer than 50 employees.
Now, as I said, there is no federal law that says ANY size company has to offer pension benefits. However, other benefits (such as health care and other worker protections) kick in at 50 employees. But that's only about 10% of US companies.
That said, yes, just slightly over 1/2 of Americans who work for someone else work for a "large company" (500 or more employees). That means 1/2 of Americans who work for someone else work for SMALL companies (fewer than 500 employees). And that doesn't include all the people who DON'T work for companies at all -- those who are self-employed, and those who are unemployed. Suffice it to say a majority of Americans are NOT covered by large corporate benefits.
Not that that has anything to do with the subject, but you don't seem to be aware how few people have any benefits at all.
Also, I don't know what "which nor buys stock" means. Can you even English, dude?
People can have personal 401s and purchase either mutual funds which purchase stocks, or purchase individual stocks. Another method is having shares in a coop. The power company that we get our power from is customer owned, so I have a few shares in it.
Oh, good grief.
Sure, anyone can open a personal 401(k), if they are self-employed and have over $5k to invest, plus several hundreds per year in investment fees. (I'm working on one right now that's about $300/year. You can probably find some with lower fees, but the investment options probably aren't as good as the fees go down.)
And if you know people who have that kind of money to invest, then congrats, you are officially privileged. Millions of Americans would never be able to scrap together that kind of money without going homeless. Or starving. Or both.
Also: Co-op. A customer-owned company is called a co-op. A coop is where chickens live.
2. The only way for individual investors to have a say is to group together for an issue.
That's not entirely true.
If a single investor owns more than 50% of a company's stock, that single investor has what is called a "controlling share" of the company.
But you are right -- if you don't own 50% by yourself, you can group together with other stockholders to form a block.
And do you know how many other investors you need in order to form a block that has any sway over a company?
In reality, if a small block manages to corner as little as 5-10% of a company's stock, the board will probably perk its ears up and listen. This has happened in certain cases.
Would you care to venture how much money 10% of any major corporation's shares would cost? Go ahead, give it a guess. You seem to be able to google. Once you've done that, see if you can figure out how many people you'd need to pool into a block.
And then think about how hard it is to get that many people to agree on who's the next president of the US, let alone something like corporate policy.
Let me know how you plan to make that work.
And then I've got a bridge to sell you.
