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美国人401(k)账户股票配置比例创历史新高
Ge Long Hui A P P·2025-08-15 02:30

Core Insights - The retirement savings of Americans are increasingly tied to the stock market performance, with a record proportion of funds in 401(k) accounts being invested in stocks [1] Group 1: Investment Trends - Workers in their 30s allocated 88% of their 401(k) accounts to stocks last year, up from 82% a decade ago [1] - Investors in their early 60s have a stock allocation of 60% in their 401(k) accounts, an increase from 57% ten years prior [1] - The average stock allocation for newly employed workers in target-date funds is 92%, compared to 85% in 2014 [1] Group 2: Fund Management - Asset managers are increasingly directing more funds into stocks on behalf of investors, reflecting a broader trend in retirement savings strategies [1] - Target-date funds, which typically shift investments from stocks to bonds as retirement approaches, are also seeing higher stock allocations [1]