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在去年股市暴跌之后,美国所谓的 401(k) 百万富翁队伍正在减少

送交者: nowhere1[♂☆★★✦娱乐人生✦★★☆♂] 于 2023-02-24 14:45 已读 4249 次  

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太平洋标准时间 2023 年 2 月 24 日星期五上午 11:08

在去年股市暴跌之后,美国所谓的 401(k) 百万富翁队伍正在减少。


根据 Fidelity Investments 的最新数据,去年拥有至少 100 万美元退休储蓄的 401(k) 账户数量从 2021 年的 442,000 个下降 32% 至 299,000 个。


在标准普尔 500 指数去年下跌 19.4% 并进入自 2008 年金融危机以来持续时间最长的熊市之后,401(k) 百万富翁人数不断减少。 经济低迷与前十年大相径庭,当时牛市提振了投资组合,似乎让许多工人过上舒适的退休生活触手可及。


Fidelity 的数据显示,401(k) 计划的平均余额在 2022 年下降了 20.5%,到 2022 年底,典型的员工储备金减少至 103,900 美元。


退休可以实现吗? 投资者说他们至少需要 300 万美元。这是美国人认为他们退休需要多少钱美国人正在减少储蓄并深陷信用卡债务


专家表示,在经历了去年的严峻形势(包括通货膨胀率创下 40 年来的新高)之后,人们对退休的担忧正在加剧。 最近的一项研究发现,工人们现在预计他们将需要 125 万美元才能过上舒适的退休生活——比 2021 年增加了 20%。


随着退休储蓄的减少,“退休缺口”——人们需要为他们的黄金岁月提供资金的金额与他们实际储蓄的金额之间的差异——越来越大。 当许多工人都在努力支付食物和住所等基本费用时,挑战就更大了,更不用说退休计划了。


可以肯定的是,即使去年 401(k) 百万富翁的数量有所下降,但仍比 2019 年多,据富达 (Fidelity) 称,当时有 233,000 个账户至少有 100 万美元的储蓄。


值得注意的是,在 401(k) 计划中存入 100 万美元或更多是很少见的。 根据 Fidelity 的数据,到 2022 年底,这家金融服务公司的 401(k) 账户中只有约 1.4% 的资产超过 100 万美元。

https://finance.yahoo.com/news/americas-401-k-millionaires-plunged-190800354.html

富达还指出,拥有至少 100 万美元资产的 IRA 账户数量有所下降。 截至 2022 年底,此类账户数量为 280,320 个,同比下降 25%。

Aimee Picchi

Fri, February 24, 2023 at 11:08 AM PST

America's ranks of so-called 401(k) millionaires are diminishing following last year's stock market rout.


The number of 401(k) accounts with at least $1 million in retirement savings fell 32% last year, to 299,000, from 442,000 in 2021, according to new data from Fidelity Investments.


The shrinking number of 401(k) millionaires comes after the S&P 500 tumbled 19.4% last year and entered the longest bear market since the 2008 financial crisis. The downturn has marked a sharp departure from the prior decade, when a bull market buoyed investment portfolios and appeared to place a comfortable retirement within reach for many workers.


The average balance in a 401(k) plan tumbled 20.5% in 2022, reducing the typical employee nest egg to $103,900 at the end of 2022, according to Fidelity.

Is retirement achievable? Investors say they'll need at least $3 million.Here's how much money Americans think they need for retirementAmericans are saving less and being buried in credit card debt


Anxieties about retirement are on the rise after last year's tough conditions, which included inflation hitting a 40-year high, experts say. One recent study found that workers now expect they will need $1.25 million for a comfortable retirement — a 20% jump from 2021.


With the decline in retirement savings, the "retirement gap" — the discrepancy between the amount of money people need to fund their golden years compared with what they've actually saved — is growing wider. And the challenge is greater when many workers are struggling to pay for basics like food and shelter, let alone plan for retirement.


To be sure, even with the declining number of 401(k) millionaires last year, there are still more than in 2019, when there were 233,000 accounts with at least $1 million in savings, according to Fidelity.


Notably, stashing away $1 million or more in a 401(k) plan is rare. Only about 1.4% of 401(k) accounts at the financial services firm had more than $1 million in assets at the end of 2022, according to Fidelity data.


Fidelity also noted it has seen a decline in the number of IRA accounts with at least $1 million in assets. At the end of 2022, there were 280,320 such accounts, down 25% from a year earlier.

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