Lihat ini loh duit pensiun orang amerika yg katanya kaya raya makmur sejahtera itu.
Ini artinya rakyatnya yg 29% ini kalau pensiun hanya 2 alternatifnya: kerja terus sampai mati dan dapet pensiun dari social security saja yg kecil sekali dan jelas2 gak akan cukup buat bayar kos2an/rent saja. Apakah gak salah makanya presidennya si trump teriak2: "make America great again". Hutangnya sudah bejibun gak keruan2 gedenya dan deficit anggarannya sudah gak ketulungan dan ini terus naik dan gak turun2 hehehehehe. Lucunya dollarnya masih kuat aja. Gimana ya analisanya? Nesare https://www.investopedia.com/ask/answers/101215/what-size-average-retirement -nest-egg.asp?utm_campaign=quote-yahoo <https://www.investopedia.com/ask/answers/101215/what-size-average-retiremen t-nest-egg.asp?utm_campaign=quote-yahoo&utm_source=yahoo&utm_medium=referral &yptr=yahoo> &utm_source=yahoo&utm_medium=referral&yptr=yahoo What is the size of the average retirement nest egg? BY JUSTIN WALTON <https://www.investopedia.com/contributors/53898/> Updated Mar 12, 2019 According to a 2018 Fidelity Investments analysis <https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/press-re lease/fidelity-q3-2018-account-balances-hit-record-highs.pdf> , average retirement-account balances are $106,500 for 401(k)s, $111,000 for IRAs, and $85,500 for 403(b)s. That's a far cry from what Fidelity recommends most Americans save: six times their salary by age 50, and seven times their salary by age 55. Many American Retirees Have No Savings These numbers are far below suggested minimums required for maintaining a comfortable lifestyle. About 29% of households with members aged 55 and over have neither retirement savings, such as 401(k) plans <https://www.investopedia.com/terms/1/401kplan.asp> or individual retirement accounts (IRAs) <https://www.investopedia.com/terms/i/ira.asp> , nor a defined-benefit <https://www.investopedia.com/terms/d/definedbenefitpensionplan.asp> (DB) plan (a traditional pension). An additional 23% do have a DB plan, but no other retirement savings. Households that do have retirement savings generally have other resources to draw on as well, such as nonretirement savings and DB plans. Social Security provides most of the income for about half of households including people 65 and older. Start Saving as Soon as Possible It is clear that being average when it comes to retirement savings is not a good thing. The key to having enough at retirement is to start saving <https://www.investopedia.com/retirement/401k-contribution-limits/> as soon as possible. The difference between beginning a regular retirement savings plan in your 20s compared to your 30s can be hundreds of thousands of dollars by the time you reach retirement age. Contributing to an IRA or an employer-sponsored 401(k) provides tax-deferred earnings and benefits from compound growth.
