추가: 혹시 아래 Vanguard 자료가 잘못된게 아닌가 싶어서 다른 자료를 찾아봤는데.. 비슷하네요..
사실 이런 자료는 일부가 평균을 많이 올리는 경우가 많아서 중간값 (median) 값이 나온 걸 올린건데.. 사람들이 은퇴후 SS 에 많이 의존을 할것 같습니다.
Source: https://www.investopedia.com/articles/personal-finance/010616/whats-average-401k-balance-age.asp
Fidelity 자료라고 합니다..
Similar findings come from the Economic Policy Institute: It estimates that those aged 32 to 37 have saved around $31,644, but that figure rises substantially to around $67,720 for those aged 38 to 43. For those aged 44 to 49, average retirement savings are $81,347. Finally, those aged 50 to 55 have saved an average of $124,831. While these may seem like healthy amounts, all of these numbers are well below even the most conservative goals.
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Source: https://www.businessinsider.com/personal-finance/average-401k-balance#average-401(k)-balance-by-age
뱅가드 데이타라고 한는데.. 자료 조사가 잘못 된건지..
65세 이상 401k 중간값이 $58,035, 15만 이상 돈을 버는 사람의 401k 중간값이 $76,448 이라는게 좀 충격적이네요..
Here's the average amount people have saved for retirement by age group, according to Vanguard's data.
Age | Average 401(k) balance | Median 401(k) balance |
Under 25 | $4,236 | $1,427 |
25 to 34 | $21,970 | $8,126 |
35 to 44 | $61,238 | $22,123 |
45 to 54 | $115,497 | $40,243 |
55 to 64 | $171,623 | $61,738 |
65 and up | $192,887 | $58,035 |
Annual income | Average 401(k) balance | Median 401(k) balance |
Less than $15,000 | $15,843 | $1,376 |
$15,000 to $29,999 | $10,283 | $2,678 |
$30,000 to $49,999 | $22,679 | $6,909 |
$50,000 to $74,999 | $54,588 | $21,359 |
$75,000 to $99,999 | $92,596 | $41,507 |
$100,000 to $149,999 | $137,058 | $61,635 |
$150,000 and above | $193,130 | $76,448 |