2026年9月4日 / 美国东部时间凌晨5:00 / 哥伦比亚广播公司新闻
美国退休基金百万富翁的数量正激增，由富达投资管理的401(k)账户中余额至少达到100万美元的账户数量在第二季度跃升至创纪录的76.9万个。
该投资公司表示，受股市看涨以及员工缴费率创下新高的推动，401(k)百万富翁的数量在第一季度到第二季度之间增长了19%。富达旗下2580万个401(k)账户中，约有3%的账户余额至少达到100万美元。
401(k)百万富翁数量的不断增加，凸显了长期储蓄与金融市场上涨的双重作用。不过，金融服务公司NFP最近的一项调查显示，百万美元级别的退休账户仍然属于少数群体，近七成的劳动者怀疑自己能否舒适退休。
“关键在于他们的储蓄方式”
富达投资思想领导力副总裁迈克尔·沙姆雷尔告诉哥伦比亚广播公司新闻，许多401(k)百万富翁都是坚持储蓄了数十年的年长劳动者。他指出，富达并不刻意强调100万美元这个里程碑，因为每个人的退休需求各不相同，有些人可能会觉得实现这个目标遥不可及。
“我们不希望人们认为，‘好吧，这就是你应该瞄准的目标，这就是你所需要的数额’，因为每个人的情况都不一样，有些人可能需要更多，有些人可能需要更少，”沙姆雷尔说道。
他表示，与其关注这个里程碑，不如研究顶尖退休储蓄者是如何积累到100万美元甚至更多财富的，这有助于为老年储蓄勾勒出一条可行路径。
“重要的不是他们达到了这个数额——关键在于他们是如何做到的，”沙姆雷尔说。“他们的储蓄行为是怎样的？其中一点就是长期坚持储蓄。”
即便面临汽油价格上涨、食品杂货成本上升以及公用事业账单激增带来的经济压力，劳动者仍在持续为退休存钱。富达的数据显示，第二季度401(k)的平均缴费率维持在9.6%的创纪录高位。
“我们真的备受鼓舞，因为尽管2026年发生了诸多状况，我们仍看到储蓄率保持稳定，”沙姆雷尔说。“我们没有看到人们减少向401(k)账户的缴费金额。”
借势牛市
在第二季度股市走高的情况下，员工可能更愿意存钱。标普500指数在截至6月30日的三个月里上涨了15%。这一宽基指数在过去12个月里上涨了20%，过去5年则累计上涨了约71%。
投资者基本无视了经济面临的不利因素——从持续的通胀到地缘政治紧张局势，转而关注强劲的企业利润增长。推动这些收益的因素包括人工智能领域的蓬勃需求，以及去年共和党推出的“宏伟法案”所带来的税收减免。
不过值得注意的是，401(k)百万富翁数量创下纪录，似乎并未提升美国人对退休前景的信心。NFP的调查发现，72%的劳动者表示自己的退休储蓄进度落后。
与此同时，对大多数劳动者而言，100万美元仍然是一个遥不可及的目标。截至6月30日，富达旗下401(k)计划的平均账户余额为15.58万美元，403(b)计划的平均余额为14.5万美元，个人退休账户（IRA）的平均余额为14.4523万美元。
这些数据或许可以解释，为何即便股市和账户余额不断上涨，劳动者仍会对退休感到不安。
富达发现，劳动者仍然对通胀、生活成本和地缘政治动荡感到担忧，但当这家财富管理公司将调查问题从整体经济环境转向个人财务状况时，劳动者的 outlook 有所改善。
“约三分之一的受访者对自己的个人财务状况感到非常满意、非常乐观，”沙姆雷尔说。这“可能与我们看到的积极退休储蓄数据有关”。
本文由阿兰·谢特编辑
Sturdy stock market mints a record number of 401(k) millionaires
September 4, 2026 / 5:00 AM EDT / CBS News
America’s ranks of retirement fund millionaires are surging, with the number of 401(k) accounts managed by Fidelity Investments holding at least $1 million surging to a record 769,000 in the second quarter.
The number of 401(k) millionaires jumped 19% between the first and second quarters, lifted by a bullish stock market and by record average employee contribution rates, the investment company said. About 3% of Fidelity’s 25.8 million 401(k) accounts have balances of at least $1 million.
The growing number of 401(k) millionaires highlights the combination of long-term saving and rising financial markets. Still, million-dollar retirement accounts remain rare, while nearly seven in 10 workers doubt they will be able to retire comfortably, according to a recent survey from financial services company NFP.
“It’s how they did it”
Many 401(k) millionaires are older workers who have saved consistently for decades, Michael Shamrell, vice president of thought leadership at Fidelity Investments, told CBS News. He noted that Fidelity doesn’t like to emphasize the $1 million milestone because retirement needs vary from person to person, and some might feel that achieving it is beyond their grasp.
“We don’t want people to think that, ‘OK, this is what you should aim for, this is what you’re going to need,’ because everybody’s different, and so you know some might need more, some might need less,” Shamrell said.
Instead of focusing on the milestone, it’s more important to examine how top retirement savers reached $1 million or more, as this can help outline a path to saving for old age, he said.
“It’s not that they have reached that — it’s how they did it,” Shamrell said. “What was their behavior? One is just saving for a long time.”
Workers are also continuing to put money away for retirement even in the face of financial pressures from higher gas prices, rising grocery costs and mounting utility bills. The average 401(k) contribution rate in the second quarter remained at a record high of 9.6%, according to Fidelity’s data.
“We’re really encouraged because, despite a lot of the things that have happened throughout 2026, we’re seeing consistent savings rates,” Shamrell said. “We’re not seeing people pull back on how much they’re contributing to their 401(k)s.”
Riding the bull
Employees may be more enticed to sock away money when the stock market is on a tear, as it was in the second quarter. The S&P 500 gained 15% in the three months ended June 30. The broad-based index has jumped 20% over the last 12 months and roughly 71% over the last five years.
Investors have mostly looked beyond the headwinds facing the economy, ranging from persistent inflation to geopolitical tensions, to focus on strong corporate profit growth. Feeding into those earnings is the booming demand for artificial intelligence and tax breaks enacted last year under the Republicans’ “big, beautiful bill.”
Notably, however, the record number of 401(k) millionaires doesn’t appear to be shoring up Americans’ confidence about their retirement prospects. NFP’s survey found that 72% of workers reported lagging behind on their retirement savings.
For most workers, meanwhile, $1 million remains a distant goal. The average Fidelity 401(k) plan balance was $155,800 as of June 30, while the average 403(b) balance was $145,000. The average IRA balance was $144,523.
Such figures may help explain why workers can feel uneasy about retirement even when stocks and account balances are rising.
Fidelity found that workers remained concerned about inflation, the cost of living and geopolitical turmoil, although their outlook improved when the wealth management firm shifted the question from the broader environment to their own finances.
“About a third of people surveyed felt really good, very positive about their personal financial situation,” Shamrell said. That is “possibly due to the positive retirement numbers that we’re seeing.”
Edited by Alain Sherter
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