美国人民真是既穷又傻

Whigs

2010 edition of The Financial Engines National 401(k) Evaluation
http://corp.financialengines.com ... nal401kEval2010.pdf

* Total Number of Participants in Sample: 2,854,752
* Total Plan Assets: $211 billion
* Average Salary: $65,536
* Median Salary: $53,852
* Average Acct. Balance: $77,464
* Median Acct. Balance: $29,390

Across the entire sample, 72% participants are not on track to comfortably retire by age 65. In addition, 34% have inefficient portfolios and/or inappropriate risk levels, 23% of participants with company stock as a plan option hold too much of it, and 39% of participants are not contributing enough to their 401(k)s to receive the full employer match.

ppteam

contributing max != make more in the long run.

do the math

Whigs

contributing max != make more in the long run.

do the math
ppteam 发表于 2010-10-4 20:30

First all, it's not talking about "contributing MAX", it's about full employer match. For example, my company matches 50% of my contribution up to 6% of my salary, i.e., I can  get this 3% of my salary "free", if and only if I contribute >= 6% of my salary.
I have difficulty to understand why someone just does not pick up the free money.

As to the maximum contribution (2010 limit $16500), I cannot find anything better to save me several grains of tax.

dennis

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quickcow

Average Salary: $65,536
很有钱吗。。。

gonorth

回复 3# Whigs


    $16,500x50%=$8,250=$137,500x6%=$275,000x3%

$275,000 x 6% =$16,500
$275,000 x 3% =$8,250

Wow, your salary $275,000? or $137,500?