The retirement account balances fell in the first quarter of 2025, when saving rates reached the record

The pension account balances in the first quarter due to the stock market disorder. However, people kept getting rid of money in order to retire, according to new data from Fidelity Investments.

The Financial Services Company analyzed more than 50 million retirement accounts, and found that the average balance of 401 (K), IRA and 403 (b) all witnessed small declines during the first three months of 2025.

The average account balance of 401 (K) decreased by 3 % over the quarter to 127100 dollars, according to Fidelity Investment Q1 2025 retirement analysis.

The Irish Republican Army accounts were average balances of $ 121,983 and 403 B accounts of $ 115,424 on average in the first quarter, 4 % and 2 % lower than the previous quarter, respectively.

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Sincerity is largely the ratios of those declines to “Market fluctuations”

The market was turbulent during the first quarter amid uncertainty surrounding definitions and other policy issues, including common index funds.

However, retirement saving rates “remained constantly high”, according to sincerity.

For Accounts 401 (K), The employee’s contribution rates It reached 9.5 % during the first quarter, with the employer’s contribution rate by 4.8 %, according to his analysis.

The company said that the savings rate of 14.3 % for 401 (K) accounts represents a “record” and “the closest to the proposed savings rate in the 15 % fidelity.”

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Owners 403 (b) accountsAnd at the same time, an average of 11.8 % was on average.

“Although the first quarter of 2025 represents challenges to retirement savings, it is encouraging to see people take a continuous approach to the savings that focus on their long -term retirement goals,” said Sharon Proveili, the head of investment at the workplace at Feliti. “This approach will help individuals overcome any kind of disturbance in the market and stay on the right track to reach their retirement targets.”

During the first quarter, which was suffering from market fluctuations, 17.4 % of 401 H (K) increased their contributions, while only 4.9 % reduced.

Meanwhile, the contribution rates increased between 14.6 % of 403 (B) holders in the first quarter.

It found that only a small percentage of people who have these types of retirement plans have allocated assets customization during the first quarter, with only 6 % of 401 (K) users and 4.7 % for 403 (b).

The survey finds approximately half of the x X -backed generation from retirement

Fidelity analysis also showed that people who suffer from IRAS increased the amount of money they put in these retirement accounts in the first quarter by 4.5 % compared to the first quarter of 2024.

A Separate It was released on Monday by Gallup, and 59 % of American adults found money placed in a retirement provision account.

Among those who suffer from retirement plans that have not yet left for the workforce, half of them stated that they “expect to have enough to live comfortably In retirement“According to Jalloub.