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Study: Most 401(k) Participants Have Made Money Since 2007

December 16, 2009 by  

Study: Most 401(k) participants have made money since 2007The Vanguard Group, a provider of company-sponsored retirement plans, has recently announced that the typical 401(k) participant currently has more money in their account than they had before the market declined in September 2007.

According to the study, approximately 60 percent of Vanguard participants who stayed invested have an account balance that is equal or higher than it was at the market’s peak in 2007. Roughly 40 percent of continuous participants have lower balances, although the majority of them are less than 20 percent below their peak value.

The Pennsylvania investment management company said that the meaningful improvement in retirement holdings is due to continued investing, balanced portfolio construction and a sharp increase in stock prices from their March 2009 lows.

"Our evidence suggests that ongoing contributions plus improvement over time in the capital markets may restore many more of these individuals to their pre-October 2007 wealth levels, perhaps more rapidly than previously anticipated," said retirement research head Steven Utkus.

Meanwhile, Fidelity Investments released a report last month that said that their average account had increased 28 percent between March and September of 2009, the Associated Press reports.

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  • Connie Mead

    I sure don’t know what those people are smoking but I want some. We’re invested in solid mutual funds and our 401K is down about 45 per cent over 2007. Their version of the economy is sure different from our reality!!!

  • s c

    Even if this is true (frankly, I don’t believe it), what matters is that 401(k) assets/funds are just sitting there, waiting for the governent to come along and ‘appropriate’ or ‘borrow’ or STEAL it.
    Maybe that’s what it will take for enough people to wake up and make action more important than mere words.

  • stephanie curry

    If people would quit-doing, all their bad stuff,-and quit drinking, smoking,and doing drugs,and stop all-the-, “sexual harassment”, and “harassment and discrimination”,and be-ing,- a lyre,- my life and world, would be a-little better, and i would not,- have to starve to death, and i would, be able, to pay my bill’s;-”Well i”,-better go for-now;-”Thank-you”-and”GOOD-BYE,”sign”,StephanieCurry;,-”Good-bye”;

  • Eugene

    My 401K is through Fidelity, this story is true – their top 2 offerings made had 45% increase in 2009 erasing the late 2008 loses- luckily 66% of my portfolio was in those two offerings – my suggestion listen to NPR business on your drive to work – I am still watching currency markets as eventually US will rebound.


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