Account rapid growth, because the stock market soared, increase the contribution of workers and their employers.
Account average balance rose by nearly 12% last year, Fidelity investment (Fidelity Investments) said on Thursday. In the end of 2012, an average of 77300 dollars,,,,,,, from the same period last year, according to the fidelity of $69100, the country's largest 401 (K) administrator.
Average balance have risen sharply, because the stock market fell to the bottom, in early 2009, in after the financial crisis. At that time, an average of 46200 dollars,.
Standard &poor's 500 stock index rose nearly 7%, for one year to Wednesday. Therefore, it account balance may further rises, the first quarter of the digital for 120000 401 (k) account, fidelity management.
In the last three months of last year, 401 (K) balances gentle rose 2%. At the end of the third quarter of the average balance $75900,.
S&P 500 and broad us bond market index of the end of the fourth quarter basic did not change, although there are a lot of drama. The stock market crash, Obama the President's re-election, because it appears talks, in order to avoid "fiscal cliff" will become fierce parties. But the market recovery talks slowly made progress, achieve finally January 1 treatment, lest cause serious tax increases, defer spending cuts.
Just as all the year round, multiples on S&P 500 index rose 16%, respectively, bond returns about 4%, the enterprise profit continues to improve, the economy recover from the great depression.
Fidelity estimates that about two-thirds of the average 401 (k) assets and liabilities last year's growth due to return on investment and a third of the worker and the employer contributions game.
In the past ten years, the two parts have played a roughly equal effect, increase the account balance, 53% due to contribution, 47% of the market income.
"You really need to your account, because these donations have equal weight on the market long-term appreciation," said vice President beth Hugh, located in Boston's fidelity market insight.
The employer funded 401 (k) account, this is a key reason, they are a popular way for retirement savings and investment income and donations free growth.
The money saved, investors through their 401 (k) of the difference is very big, depending on the age of the participants. Fidelity said average year-end balance respectively in 55 and old and no has not yet retired $143300 $120400 baby boomers born 1946 to was born in 1964, a total of 59100 $generation generation X was born in 1965 to 1978 years. And $15400 in Y generation, born from 1979 to 1991.
Overall, fidelity management 401 (k) plan of the average employee contribution to remain stable at around 8%, the annual salary in the past four years. The employers in the game, the total savings rate up to 12%. In a recent quarter, 5.8% of the respondents have increased their 401 (K) salary deduction, and decreased by 3.1%.
Since early 2009 from the increase in the number of employees more than the number in each quarter to reduce. This shows that with their financial situation than economic recession employees feel more comfortable, although wage growth is slow, the unemployment rate is still high.



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