Retirement Account Balances Surged Last Year. Here's What Made the Difference

Key Takeaways The average 401(k) and IRA balance rose 11% and 7%, respectively, between Q4 2024 and Q4 2025, according to a recent Fidelity analysis. Some financial advisors believe that savers are more likely to stash away money in retirement accounts when the stock market is performing well. Over the past year, retirement savers have watched their balances grow substantially thanks to a booming stock market and increased contributions. A recent analysis by Fidelity looked at tens of millions of I ...