据说在40岁的时候，个人401K账上必须要有3倍工资才够格。 A good rule of thumb is to add on one year of salary saved for every five years of age — for example, at age 30 you’d want to have saved one year of salary, at age 35, two years, at age 40, three years, and so on. Use these guidelines along with your post-retirement budget to gauge if you are on track for a comfortable retirement. By Age 40 Most people have more stable jobs and have seen an increase in their annual income compared to their 20s. By age 40, three years worth of salary saved in your 401k is a good place to sit. 大家聊聊40岁都存了多少？我听说码工普遍能存2.1个米。
young guns always assume 100% nasdaq with double digit (or close to double digit) annual appreciations. They sometimes even assume folks can use leverages in 401K.
A good rule of thumb is to add on one year of salary saved for every five years of age — for example, at age 30 you’d want to have saved one year of salary, at age 35, two years, at age 40, three years, and so on. Use these guidelines along with your post-retirement budget to gauge if you are on track for a comfortable retirement.
By Age 40 Most people have more stable jobs and have seen an increase in their annual income compared to their 20s. By age 40, three years worth of salary saved in your 401k is a good place to sit.
大家聊聊40岁都存了多少？我听说码工普遍能存2.1个米。
过去10年的定投401的基本都有2米了
我的同龄码农又在抛弃我了呜呜呜
It’s actually even lower, by 39 average retirement saving is under 50k.
But people on this forum are not from the real world lol ...
https://www.synchronybank.com/blog/median-retirement-savings-by-age/
如果25岁开始工作，每年平均contribute 18000，拿到50%的match，到了40岁2米的话得每年return 21%。。。。看来我被贫穷限制了想象力，有钱人不但有钱而且会投资，连续十几年的年回报20%以上。。。。。佩服！
the power of compound。。。。。如果多算几年，比如不是15年以后而是25年以后，年回报8%的华人er到了50岁可以有不到2米，而年回报21%的华人er到了50岁可以有12米。。。。
未必，从2008年开始设的2/3投那个按年头退休的基金，1/3投pimco国债，现在和两米还差的远。
你没算错，如果每年 放满401k, 要20多年就会有1m
I am sorry it looked like I failed miserably.
young guns always assume 100% nasdaq with double digit (or close to double digit) annual appreciations. They sometimes even assume folks can use leverages in 401K.
我们家每年一人存18000，公司match 150%，mega backdoor再寸30k，投资自己self direct，每年收益30%。
公司match 150%是怎么做到的！请教哪个公司
he/she is already way exceeding annual 401K contribution cap：30k+18K+27K =75K contribution. he/she is pulling numbers out of thin air.
hahaha issok it’s much lower than I would have guessed also
你没算错。楼主属于张口就来的。
过去12年，投基金里的tech，nasdaq100之类的就是21%的年回报率。