牛皮大不大?看美國各個年齡的median的退休賬戶,來自於權威的Vanguard

本帖於 2024-02-29 17:34:19 時間, 由普通用戶 trimtip 編輯

When planning for retirement, many Americans rely on their 401(k) savings as a key component of their financial strategy. However, recent data suggests that the median 401(k) balance is much lower than many people might expect. According to a report from Vanguard titled "How America Saves 2023," the average 401(k) balance varies significantly by age group.

According to Vanguard's data, here are the average and median balances:

Age Average Account Balance Median Account Balance

Under 25 $5,236 $1,948

25-34 $30,017 $11,357

35-44 $76,354 $28,318

45-54 $142,069 $48,301

55-64 $207,874 $71,168

65+ $232,710 $70,620

Why the gap between the average and median balances? It reflects the savings habits of high earners who might save closer to the $23,000 annual limit for 2024 as well as the very low or zero balances of other participants.

Both the average and median balances fall well short of a common $2 million retirement nest egg. Following the 4% withdrawal guidelines, a $2 million balance would mean someone could take out $80,000 per year without negatively impacting the principal. It's an amount that takes into consideration rising healthcare costs in retirement and staying close to a preretirement lifestyle.

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