退休储蓄现状 - 仅有3.2%的美国退休人员储蓄超过100万美元，意味着拥有100万美元储蓄已处于前3%的顶尖水平 [1][2] - 54%的美国家庭没有任何退休储蓄，揭示了巨大的退休储蓄缺口 [4] - 美国民众认为需要126万美元才能舒适退休，但此数字已较2024年的146万美元有所下降 [5] 不同年龄段的储蓄水平 - 35岁以下人群退休账户中位数储蓄为18,800美元，平均储蓄为49,130美元 [8] - 45-54岁人群退休账户中位数储蓄为115,000美元，平均储蓄为313,220美元 [8] - 65-74岁人群退休账户中位数储蓄达到峰值200,000美元，平均储蓄为609,230美元 [8] 储蓄行为与趋势 - 参与退休计划的人群储蓄率在2025年初创下新高，401(k)供款率达到14.3% [6] - 民众舒适的退休储蓄目标中位数是大多数临近退休者实际储蓄中位数的六倍 [5] - 部分金融专家认为100万甚至200万美元的储蓄可能仍不足，建议目标应设定在1000万美元 [3]

Appelbaum said the formula was created to help CFOs weigh the costs of investments, such as a new piece of machinery, within their own company, and assumes that the rate of return for one asset can be repeated year over year."The IRR gives you a great big number, but the true value is nowhere near that great big number," Appelbaum said. "As every public pension fund and every finance person knows, this is not money you can take to the bank."IRR is easy to "game," said Eileen Appelbaum , co-director of the C ...