Comprehensive study highlights the need for improved plan design and participant support to help with retirement security 12NEW YORK, Dec. 16, 2025 /PRNewswire/ -- J.P. Morgan Asset Management today released its "Retirement by the Numbers" report, revealing that anonymized Chase household data showed that 48% of plan participants carry credit card debt, which increases their likelihood of taking a loan from their retirement plan. High credit card balances are also associated with lower contribution rates a ...

401(k)退休储蓄计划 - 参与401(k)计划是为财务稳定的退休生活做准备的重要部分 但仅依靠社会保障金（Social Security）生活可能意味着需要大幅缩减开支 因此建立个人退休储备金更为理想 [1] 应避免的三大错误 - 错误一：未获取全额雇主匹配 雇主提供的401(k)匹配资金相当于免费资金 放弃匹配即拒绝一笔长期增值的财富 例如 若雇主今年提供3000美元匹配而个人仅缴存2000美元 则相当于放弃了1000美元 以8%的年化收益率计算 这1000美元在40年后可能增值至近22000美元 [3][4][5] - 错误二：忽视投资费用 401(k)计划中的投资选项（如目标日期基金）可能附带高昂费用 这些费用会长期侵蚀投资回报 且目标日期基金通常是默认投资选项 若投资者未主动选择 资金可能自动投入此类高费用基金中 [6][8] - 错误三：放弃罗斯（Roth）选项 放弃罗斯选项可能导致退休后选择更少且税负更高 [7]