2022 年底，员工储备金减少至 103,900 美元。。
为退休储蓄需要放眼大局，但当您的 401(k) 或其他退休计划遭受打击时，这可能会令人沮丧——根据 Fidelity 的最新数据，这是去年美国工人的普遍困境。

富达周四表示，401(k) 计划的平均余额在 2022 年下降了 20.5%，到 2022 年底，员工储备金减少至 103,900 美元。 这家金融服务公司援引对 2200 万退休计划参与者的分析称，相比之下，一年前的平均余额为 130,700 美元。

401(k) 账户的表现略逊于标准普尔 500 指数 2022 年 19.4% 的暴跌。公立学校和慈善机构广泛使用的 IRA 账户和 403(b) 账户也受到了打击。

毫不奇怪，随着美国人对余额下降和通货膨胀加剧感到压力，对是否有足够的钱度过黄金岁月的焦虑也在上升。 最近的一项研究发现，工人们现在预计他们需要 125 万美元才能过上舒适的退休生活——比 2021 年大幅增加 20%。
https://finance.yahoo.com/news/heres-much-americans-401-k-195700584.html
Saving for retirement requires looking at the big picture, but it can be dispiriting when your 401(k) or other retirement plan takes a beating — a common plight for American workers last year, according to new data from Fidelity.

The average balance in a 401(k) plan tumbled 20.5% in 2022, reducing employee nest eggs to $103,900 at the end of 2022, Fidelity said on Thursday. That compares with an average balance of $130,700 a year earlier, the financial services firm said, citing an analysis of 22 million retirement plan participants.

401(k) account performance was slightly worse than the S&P 500's 19.4% slump in 2022. IRA accounts and 403(b) accounts, which are widely used by public schools and charities, also took a hit.

Not surprisingly, anxiety about having enough money socked away for your golden years are also on the rise, with Americans stressed over their declining balances and rising inflation. One recent study found that workers now anticipate they'll need $1.25 million for a comfortable retirement — a hefty 20% jump from 2021.