Have you saved enough in your 401k?

根據這篇文章的算法, 大多數人應該是不夠:

http://www.financialsamurai.com/2012/01/09/how-much-should-one-have-in-their-401k-at-different-ages/

 

Age	Years Worked	Low End	High End
22	0	$0	$0
23	1	$8,000	$17,000
24	2	$25,000	$37,000
25	3	$42,000	$70,000
30	8	$127,000	$182,000
35	13	$215,000	$331,000
40	18	$300,000	$521,000
45	23	$383,000	$764,000
50	28	$468,000	$1,075,000
55	33	$553,000	$1,470,000
60	38	$638,000	$1,974,000
65	43	$723,000	$2,618,000

所有跟帖： 

• 我的401k= $0. -commonsense888- ♂ (0 bytes) () 08/25/2012 postreply 20:19:49

• haha, not very commonsense. :) -小糊塗仙兒- ♀ (0 bytes) () 08/25/2012 postreply 20:23:01

• 不是大糊塗，是沒法投。不夠格。 -commonsense888- ♂ (0 bytes) () 08/25/2012 postreply 20:26:30

• 這是靠別人的401k吃飯的人寫的吧。 -霧裏看花123- ♂ (0 bytes) () 08/25/2012 postreply 20:23:31

• 我覺得他的建議很好啊，為什麽中國國內的存款率那麽高， -R&D- ♀ (560 bytes) () 08/26/2012 postreply 04:39:37

• 30% return every 5 years? Only in your wild dream :-) -都愛哈哈- ♀ (52 bytes) () 08/25/2012 postreply 22:27:02

• 20年前沒有象現在這樣高的limit可以存啊，所從這些數字隻適合現在20幾歲的人。 -LandlordToB- ♀ (0 bytes) () 08/26/2012 postreply 12:17:10

• 太可怕了，我隻有個零頭。要撞死嗎？ -Tuzhirong- ♀ (0 bytes) () 08/26/2012 postreply 12:39:41

• 沒算上前些年401（K) 跌幅近半。美國夢新編。 -吃素的狼- ♀ (0 bytes) () 08/26/2012 postreply 14:46:46

• yes. we are on the high end -laoyangdelp- ♀ (93 bytes) () 08/26/2012 postreply 15:10:16

• What is the maximum right now? -Tuzhirong- ♀ (0 bytes) () 08/27/2012 postreply 04:24:14

• 還是有pension的工作好啊, 401K很可能丟錢, 而pension旱澇保收. -小糊塗仙兒- ♀ (0 bytes) () 08/26/2012 postreply 20:13:25

• 回複：You can create your own pension -ZhangZhouDaTou- ♀ (0 bytes) () 08/26/2012 postreply 21:31:06

• annuity? 騙人的東西吧. -小糊塗仙兒- ♀ (0 bytes) () 08/26/2012 postreply 21:36:18

• 回複：Popular misunderstanding on annuity -ZhangZhouDaTou- ♀ (1052 bytes) () 08/26/2012 postreply 22:20:08