美国工人在401(k)中节省了创纪录的14.3%的工资,接近菲德尔蒂的15%建议。 U.S. workers save record 14.3% of pay in 401(k)s, nearing Fidelity's 15% recommendation.

根据菲德尔蒂对25 300个公司计划的分析,平均401(k)储蓄率在2025年第一季度达到创纪录的14.3%,创下历史新高。 The average 401(k) savings rate hit a record high of 14.3% in the first quarter of 2025, based on Fidelity's analysis of 25,300 corporate plans. 雇员推迟9.5%,而公司的贡献率为4.8%。 Employees deferred 9.5%, while companies contributed 4.8%. Filticity建议至少节省税前收入的15%, 但建议节省足够的钱, 以获得完全的雇主匹配, 如果更高的目标不可行的话。 Fidelity recommends saving at least 15% of pre-tax income, but suggests saving enough to get full employer matches if a higher target isn't feasible. 自动升薪有助于增加雇员的缴款。 Auto-escalations helped boost employee contributions.