401(k) 美国的计划余额在2024年上半年增长了13%,由于股票市场收益,平均达到127 100美元。 401(k) plan balances in the US increased 13% in the first half of 2024, reaching $127,100 on average, due to stock market gains.
美国401k计划余额在2024年上半年大幅增长,主要是由于华尔街的反弹. 401(k) plan balances in the US saw significant gains in the first half of 2024, driven by the Wall Street rally. 平均余额达127 100美元,比2023年同期增加13%。 The average balance reached $127,100, a 13% increase from the same period in 2023. 中位数余额增加了17%,达到29 200美元。 The median balance increased by 17% to $29,200. 退休储蓄计划的增长可归因于主要股票指数的破纪录业绩,其驱动力是围绕人工情报发展和对主要技术公司股份需求的热情。 This growth in retirement savings plans can be attributed to record-breaking performance on major stock indexes, driven by enthusiasm surrounding artificial intelligence developments and demand for shares in major tech companies. 储蓄率代表了从其工资中留出多少储蓄者,加上雇主的缴款,也促成了401(k)项计划余额的增加。 The savings rate, which represents how much savers set aside from their pay combined with contributions from their employer, also contributed to the increase in 401(k) plan balances. 然而,有些雇员正在从其退休账户借款,其中18.3%在第二季度有未偿贷款,比去年同一季度的17.2%有所增加。 However, some employees are borrowing from their retirement accounts, with 18.3% having an outstanding loan in the second quarter, up from 17.2% in the same quarter last year.