While headlines in 2024 were filled with talk of inflation, tech disruptions and global uncertainty, a quieter trend was unfolding: every single day, about 1,000 Americans crossed the threshold into millionaire status, according to UBS’ 2025 Global Wealth Report. Trending Now: Avoid These 4 Common Mistakes When You Get Rich Overnight For You: The 5 Car Brands Named the Least Reliable of 2025 That’s not just a lucky few — it’s a sign of something bigger happening beneath the surface. So what’s fueling this ...

Although 83% of Americans believe there’s no set age to achieve life milestones, nearly half (45%) wish they had started saving earlier, according to a recent Empower study. And when it comes to saving for retirement, in particular, Americans believe the ideal age to start is 27. Learn More: 10 Bills That Drain Your Retirement Savings — and How To Cancel Them Read Next: 10 Unreliable SUVs To Stay Away From Buying Do experts agree? Here’s a look at the actual “ideal” age to start saving — and what to do if ...

Most people dream of building a six-figure nest egg, but what happens when you've saved aggressively, invested well, and still feel like you might be doing something wrong? That was the question one 28-year-old woman brought to the Financial Planning subreddit, where commenters united to tell her exactly why so much cash in checking might be a problem. "I saw a post yesterday on Reddit that had people shocked at the idea of someone keeping $50,000+ in their checking account," she wrote. "Is this actual ...

退休储蓄目标认知 - 多数美国人认为需要126万美元才能负担退休生活[1] - 实际仅有46%的美国家庭在退休账户中拥有超过100万美元[1] 退休储蓄现状分析 - 美国家庭退休储蓄中位数仅为88,000美元[2] - 55-64岁年龄层中有92%的人退休账户达到或超过100万美元[2] 储蓄策略建议 - 2025年中期美国个人储蓄率仅为47% 即每20美元可支配收入中储蓄不足1美元[4] - 建议将月度储蓄率提高至至少10%以增加百万美元退休目标达成概率[4] 投资工具优化 - 需最大化利用401(k)和罗斯IRA等节税储蓄计划[5] - 建议通过在线平台实现储蓄自动化以保持进度[5] 投资策略趋势 - 被动投资低成本指数基金已成为主流[6] - 过去九年被动指数基金资金流入持续超越主动基金[6]

It’s easy to fall into the trap of assuming that you need a huge paycheck to build wealth. The reality, however, is that with the power of compounding returns, even small amounts can turn into windfalls. Read Next: 5 Key Mindset Shifts To Financially Become the Top 1%, According to Humphrey Yang For You: 6 Popular SUVs That Aren't Worth the Cost -- and 6 Affordable Alternatives For example, let’s say you’re 22, fresh out of college and you set aside $100 per month into an investment account. If you keep d ...

Robert Kiyosaki, the author of Rich Dad Poor Dad, expressed enthusiasm for the August 7 executive action by President Donald Trump that allows 401(k)holders to invest in various alternative assets like real estate, private equity, crypto, and precious metals. Kiyosaki referred to it as "BIG NEWS" in a post on X, clarifying that it will make the alternatives he uses in his retirement accounts, like gold, silver, and Bitcoin, "more valuable." Kiyosaki explained that the new changes have been brought to his ...

When entering retirement, would it be best to transfer your pension fund and 401(k) from your employer account to your own personal individual retirement account (IRA), keeping them under one roof?  -Randy There are a couple of things to be aware of as you consider whether to move your retirement accounts after you retire. I like to start by first considering how different decisions affect your plan. Then, I factor in convenience.  In your case, I’d separate the components into separate decisions for your p ...

退休收入规划 - 退休收入计算基于储蓄与社会保障金的组合 其中100万美元退休储蓄与每月2500美元社会保障金可形成基本收入框架 [1][2] - 100万美元储蓄在30年退休周期中按月提取可产生约2700美元月收入 结合社会保障金后月总收入达5200美元 [6] - 现金类储蓄方式即使按美联储基准利率2%计算 实际收益率仍低于通胀水平 导致购买力持续衰减 [6] 投资组合配置 - 退休投资需综合考虑现金、债券、股票和年金等不同资产类别的配置方案 [2] - 纯现金配置方案存在明确期限约束 从96岁起将仅能依赖社会保障金单独维持生活 [6] - 投资组合构建需根据个人特定需求进行定制化设计 不同资产类别将影响长期回报率与收入流 [6] 长寿风险管控 - 民众普遍低估预期寿命 实际男性平均寿命82岁/女性85岁 远超普遍认知的75-80岁范围 [4] - 退休规划需至少按30年周期进行准备 65岁退休时应以至少95岁为资金规划终点 [5] - 寿命低估可能导致退休后期资金短缺 需确保资金持续周期覆盖整个生存期间 [5]

核心观点 - 全球养老金管理面临政治化挑战，气候变化风险被严重低估，私人资产配置意愿上升但存在认知不足，另类资产纳入退休计划引发争议，同时各国养老金政策出现重要调整[1][2][6][7][8][23][24][32] 重点关注事件 - 贝莱德批评美国养老金管理政治化，向43位两党官员发出备忘录后，共和党质疑其过度关注气候变化，民主党则认为关注不足，公司管理资产规模达12.5万亿美元[1][7] - 施罗德调查显示45%的美国退休计划参与者愿意配置私人资产，较去年36%上升，但超过半数认为私人资产风险较高，78%认为有助于分散风险，73%认为具备更高回报潜力[8][9] - 加拿大养老基金被警告严重低估气候变化风险，若全球气温上升3.7摄氏度，到2040年财务回报率预计下降50%-60%，CPP和PSPP共同管理超过1万亿美元退休储蓄[2][16] 海外养老金融动态 - 净零银行联盟暂停运营并重组，成员数量从43家增长至140多家后遭遇退出潮，代表资产总额达74万亿美元[17][18] - 美国允许退伍军人继续向TSP账户缴款，该计划管理资产与401(k)类似，首次允许退役后缴款使用退休金或伤残抚恤金[19][22] - 共和党要求SEC为另类投资制定安全港规则，特朗普行政命令推动私募股权和加密货币纳入退休计划，公共养老金因另类资产配置获得较高实际回报率[23][24] - 挪威主权基金因侵犯人权行为出售卡特彼勒公司1.17%股份（市值21亿美元）及五家以色列银行股份（合计价值6.61亿美元），该基金管理资产规模接近2万亿美元[25][26] - 韩国为年满18岁首次参保年轻人提供三个月保费补贴，2027年预计45.1万名青年受益，当前18-24岁参保率仅为24.3%[27][28] - 比特币纳入401(k)计划引发热议，该计划管理资产总额达8.9万亿美元，行业预计价格可能突破20万美元，但费用率较高（如Grayscale比特币信托ETF费率达1.50%）[29][31] - 英国养老金协会反对强制投资规定，认为可能影响超过700万名储蓄者的资产，主张基于自愿而非强制的投资原则[32][33] 国内养老金融动态 - 个人养老金理财产品新增两只固定收益类产品，配置少量权益资产，最短持有期18个月和2年，风险等级均为二级，目前6家理财公司发行37只产品，21家商业银行参与代销[35][36] - 广州银发经济领域企业突破1.8万家，产业规模超3000亿元，养老机构床位5.73万张，护理型床位占比达90%以上[40] - 中国平安上半年营运利润777.32亿元（同比增长3.7%），居家养老服务覆盖85个城市，近21万名客户获得服务资格[41] 养老产业动态 - 好吉色食品获得数亿元战略投资，推动药食同源快消化赛道发展[40] - 均胜电子与阿里云合作开发具身智能机器人，应用于医疗康养等场景[40] - 恒安国际上半年营收118.08亿元，成人纸尿裤业务销售上升，高档纸尿裤产品"Q•MO"销售额达3.4亿元（增长6.6%）[40] - 妙可蓝多上半年营收25.67亿元（增长7.98%），净利润1.33亿元（增长86.27%），针对中老年人群推出奶酪功能性产品[40] - 天目湖布局银发经济，老年旅居产品增速达25%[41]

美国401(k)账户股票配置趋势 - 当前几乎所有年龄段的美国就业者都在401(k)账户中投资了创纪录比例的股票，这一趋势由主动增持或基金经理操作推动 [1] - 30多岁上班人员的401(k)股票配置比例从十年前的82%升至88%，60岁出头人群的配置比例从57%升至60% [1] - 先锋领航通过分析其管理的数百万401(k)计划参与者数据得出上述结论 [3] 目标日期基金的股票配置变化 - 职业生涯初期就业者持有的目标日期基金股票配置比例从2014年的85%升至2024年的92% [6] - 距离退休五年的投资者目标日期基金股票占比从2014年的40%升至2024年的55% [11] - T Rowe Price将年轻投资者群体的目标日期基金股票配置比例提升至98%，旨在降低晚年资金耗尽风险 [12] - 贝莱德集团2024年推出全职业生涯高股票敞口的新基金系列 [13] 投资者行为与市场影响 - 标普500指数年内上涨近10%并创18次新高，吸引更多401(k)投资者增持股票 [6] - 44岁投资者Eric Evans将100%退休储蓄投入股票，部分账户价值五年翻三倍 [6] - 52岁投资者Ashish Bhargava将退休账户全部投资于股市，认为长期潜力优于其他组合 [8][9] - 58岁投资者Jason White将自主投资中股票比例从60%提升至90%，认为传统股债比例策略失效 [10] 行业动态与历史背景 - 1978年税法引入401(k)计划后，股票长期表现优于债券，即便2022年美债遭遇最糟糕年份 [9] - 目标日期基金占401(k)计划资金流入的64%，25岁以下投资者股票暴露度从2005年的57%显著提升 [11] - 晨星指出投资者在市场上涨时风险容忍度提高，但熊市可能改变增持行为 [7] - 资产管理公司如T Rowe Price和Nuveen已提高部分年龄组目标日期基金的股票配置 [12][13]