Читать книгу Retirement Planning For Dummies - Matthew Krantz - Страница 21

Looking at Table 1-2, you no doubt appreciate why contributing to your 401(k) is powerful. But this contribution is a sacrifice because you need to give up spending now so you can put your money to work for you tomorrow.

Most employees don't contribute the maximum to their 401(k) plans, but they still benefit. During the first quarter of 2019, the average 401(k) contribution from customers at giant asset management firm Fidelity was $2,370, which implies a contribution of $9,480 a year. But by adding the average company match during the quarter — $1,780 — the total yearly contribution becomes $16,600. This amount is an all-time high savings rate of 13.5 percent, says Fidelity (www.fidelity.com/bin-public/060_www_fidelity_com/documents/press-release/quarterly-retirement-trends-050919.pdf).