:max_bytes(150000):strip_icc()/IsThe4RetirementWithdrawalRuleStillUseful_-7c732985b38741ffb4c2b5e7c886c4a5.jpg?w=1920&resize=1920,1267&ssl=1 "Market Volatility Didn’t Slow Retirement Savers in the First Quarter")
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key takeaways
- The quarterly analysis of Fidelity showed that retirement accounts took a big hit from market swings in the first quarter of 2025.
- This data aligns with market trends, as S&P 500 was less than 4% from the fourth quarter of 2024, as it increased economic uncertainty.
- According to the report, the average balance for retirement accounts was low in the previous quarter, in fact the savings rates increased.
Market volatility affected retirement accounts in the first quarter, but the saves did not slow down.
According to the saving behavior of fidelity and quarterly analysis of the account remaining, the average retirement account remains in the first quarter of the year, even if the type.
The average IRA held $ 121,983 in the first quarter, which was 4% from the first quarter and 1% from the same time as last year. The average 401 (K) balance was $ 127,100, which was 3% from the previous quarter, but 1% from the same time as last year. And an average of $ 115,424 in 403 (B) accounts, 2% below the fourth quarter, but 2% above the same time as last year.
The slip in the value of the retirement account reflects market trends, as S&P 500 was more than 4% from the fourth quarter of 2024 due to an increase in economic uncertainty.
Market instability is tied to tariff uncertainty
Fidelity attributed most damage to market swings, which were caused by investors reacting to tariff policies and economic estimates. President Donald Trump’s tariff cried shares and bonds, two popular holdings for retirement saver.
Due to instability, about 22% of the 401 (K) participants and about 18% (B) outfits out of 403 (B) participants changed their contribution rate in the first quarter of 2025. Among them, the report shows that the report shows that About 30% of the participants in both accounts reported their savings to more conservative investments (such as bonds or deposits).
Despite the instability in its retirement accounts, the saver really put them more in the latest period. According to Fidelity, 401 (K) savings rate increased and IRA contribution increased.
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