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    [OC] Altersvorsorge über Generationen hinweg: Ein Blick auf durchschnittliche 401(k)- und IRA-Guthaben


    [OC] Altersvorsorge über Generationen hinweg: Ein Blick auf durchschnittliche 401(k)- und IRA-Guthaben

    Von moneyknack

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    9 Comments

    1. moneyknack on

      This infographic illustrates retirement savings across generations, featuring the average 401(k) and IRA balances for Baby Boomers, Gen X, Millennials, and Gen Z.

      Although retirement savings come in many forms – real estate, brokerage accounts, HSAs, and more – not just 401(k)s and IRAs. Still, comparing 401(k) and IRA balances provides a useful benchmark.

      Created by Money Knack. Source: Fidelity Investments Q3 2024 401(k) data based on 26,400 corporate defined contribution plans and 24.4 million participants as of September 30, 2024.

    2. Killaship on

      What? This feels intentionally misleading – it’s obvious that older people will have more savings, because of compound interest and the fact that they’re older. Most of Gen Z are barely into their 20s.

    3. randomtask on

      This is pretty meaningless without historical balances from prior generations. It would be much more impactful if we could compare each generation’s historical balances at age 20, 40, 60, etc. to find trends. Boomers have the highest balance right *now* because they’ve been saving the longest.

    4. nubsauce87 on

      No info about the fact that most millennials and younger don’t even have any kind of retirement?

    5. Alvinheimer on

      Do your averages include the $0 from laborers who aren’t offered 401k?

    6. Roquet_ on

      Oldest Gen Z people are 30 right now, most didn’t have time to accumulate retirement savings yet.

    8. boron-nitride on

      Late millennial here. Quit normalizing this cliched antagonism toward (n+1) generation. There’s evidence of people complaining about the next gen 2,000 years ago. The world hasn’t ended, and progress has mostly accelerated. So why do we think it’s gonna be any different for Gen Z? They’ll be fine.

      Also, this infographic is ass. It needs to be normalized by the number of years spent accumulating that wealth, along with inflation adjustments. A dollar in the ’80s was worth a hell of a lot more than it is now.

    9. Bonzographer on

      In other news, the average age of gen z is much less than the average age of boomers.

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