For an average single person planning to stop working at 64, a $1.2 million 401(k) account and $2,800 Social Security benefit could provide enough income to make ends meet during retirement. Widely used guidelines suggest your annual income may be around $81,600, which may or may not be more than your annual expenses. Much depends on individual circumstances, including the kind of retirement lifestyle you desire, your location and future trends of inflation, taxes and investment returns. To get a comprehen ...

401(k)投资配置趋势 - 美国劳动者将401(k)账户中创纪录比例的资金投资于股票 所有年龄段配置比例均高于十年前水平[1] - 30多岁劳动者股票配置比例达88% 较十年前82%提升6个百分点[1] - 60岁出头投资者股票配置比例为60% 高于十年前57%的水平[1] 目标日期基金配置变化 - 刚开启职业生涯的劳动者在目标日期基金中股票平均配置比例达92% 较2014年85%上升7个百分点[1] - 目标日期基金随退休日期临近会从股票转向债券 但当前股票配置比例仍呈现上升趋势[1] 资产管理者行为 - Vanguard Group管理数以百万计养老金计划账户 其分析显示股票配置比例持续上升[1] - 晨星(Morningstar)数据显示目标日期基金股票配置比例提升 反映资产管理策略调整[1]