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cover of episode Workers Are Saving Almost What They Should Be for Retirement

Workers Are Saving Almost What They Should Be for Retirement

2025/6/11
logo of podcast WSJ Your Money Briefing

WSJ Your Money Briefing
AI Deep Dive AI Chapters Transcript
People
A
Anne Tergesen
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Mariana Asguru
Topics
Mariana Asguru: 根据富达投资的分析，美国人的平均退休储蓄率已达到年收入的14.3%，接近财务顾问推荐的15%目标。尽管经济存在不确定性，美国人在退休储蓄方面正接近理想水平。我将与Anne Tergesen讨论这一趋势的意义，以及如果储蓄不足，可以采取哪些措施来弥补。 Anne Tergesen: 财务顾问一直建议人们每年储蓄约15%的收入用于退休，这个目标通常结合雇主提供的匹配供款来实现。富达投资的数据显示，人们正越来越接近这个目标。越来越多的人参与401k计划，部分原因是雇主自动将员工纳入计划。此外，国会提供的税收优惠和各州强制要求公司提供退休储蓄计划也促进了这一趋势。年长世代通常储蓄更多，50岁以上的人还可以进行补缴供款。401k储户通常坚持他们的计划，很少因市场波动而改变投资策略，增加储蓄率的人多于减少储蓄率的人。如果储蓄不足，可以随时提高储蓄率，或者利用401k计划的自动升级功能，让雇主在加薪时自动提高储蓄率。

Deep Dive

Chapters
Americans are saving a record amount for retirement, nearing the recommended 15% of annual income. This is according to a Fidelity Investments analysis. The discussion will explore the reasons behind this trend and what it means for savers.
  • Average American retirement savings rate in the first three months of the year was 14.3%
  • Financial advisors recommend saving 15% of annual income for retirement

Shownotes Transcript

According to a Fidelity Investments analysis, the average American retirement savings rate) in the first three months of the year was 14.3% – just shy of the recommended 15%. Host Ariana Aspuru speaks with Wall Street Journal reporter Anne Tergesen about why savers are putting away a record amount of their income for retirement.

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