2026年4月1日 / 美国东部时间下午5:55 / 哥伦比亚广播公司新闻
西北互助人寿保险公司的最新研究显示，美国人认为要实现有一定财务舒适度的退休生活，所需储蓄的“神奇数字”为146万美元。
这项针对4375名受访者的调查得出了这一数字，受访者被问及退休所需的存款金额，较2025年的126万美元有所上升。这家金融规划公司的首席业务官约翰·罗伯茨表示，这一增长反映了消费者对通胀的持续担忧，近年来高企的物价给家庭预算带来压力，也让人们更难存钱。
此次民调是在伊朗战争爆发前进行的，而这场战争导致燃料价格上涨，进一步加剧了这类担忧。
受访者还担心人工智能可能会影响他们的职业生涯，33%的人表示他们对这项快速发展的技术将如何影响自己的工作感到担忧。罗伯茨指出，这种对工作保障的担忧可能会导致一些美国人认为自己需要更多的养老储备金。
退休储蓄的现实情况
总体而言，美国人对退休所需金额的认知与他们的实际储蓄情况大相径庭。据NerdWallet网站的数据，在美国拥有退休账户的人群中，仅有5%的人储蓄至少达到100万美元，约9%的人储蓄额为50万美元。
年龄较大的群体通常拥有更多的养老储备金，但即便临近退休的劳动者，储蓄也往往不足。NerdWallet发现，55岁至64岁的美国人退休储蓄中位数为18.5万美元。
美国人的储蓄力度也在减弱。薪资服务公司Dayforce的数据显示，美国人去年的401(k)账户年度缴款比例从2024年的9.2%降至8.9%。
“我们都意识到有储蓄的必要……但我们采取的行动还不够，”罗伯茨在接受哥伦比亚广播公司新闻采访时说道。
根据西北互助人寿保险公司的测算，146万美元的储蓄每月可提供约4800美元的退休收入。但美国人往往低估了自己退休所需的金额。
意外开支可能会突然出现，导致资金比预期更快耗尽。在某些情况下，人们不得不在达到退休年龄前动用储蓄。金融服务公司先锋集团的最新研究显示，越来越多的美国人因医疗费用等紧急需求而遭遇困难提款，这一比例创下历史新高。
“他们似乎在想，未来的我会节衣缩食，”罗伯茨说道。“但现实往往并非如此。”
https://www.cbsnews.com/video/record-number-of-americans-making-emergency-401k-withdrawals/
Americans say this is their savings “magic number” to retire comfortably
April 1, 2026 / 5:55 PM EDT / CBS News
Americans’ “magic number” for the savings they need to retire with a measure of financial comfort is $1.46 million, according to new research from Northwestern Mutual.
That figure, based on a survey of 4,375 people who were asked how much money they think they need in retirement, is up from $1.26 million in 2025. John Roberts, chief field officer at the financial planning firm, said the increase reflects ongoing consumer concerns about inflation, with elevated prices in recent years straining household budgets and making it harder for people to save.
The poll was fielded before the Iran war, which has only heightened such concerns as fuel prices rise.
Respondents also worried that artificial intelligence could impact their careers, with 33% saying they fear how the rapidly emerging technology will affect their jobs. Such concerns about job security could be leading some Americans to think they need a bigger nest egg, Roberts noted.
The reality of retirement savings
In general, Americans’ perception of how much money they need to retire is starkly at odds with their actual savings. Of people in the U.S. with retirement accounts, only 5% have at least $1 million socked away, while roughly 9% have $500,000, according to NerdWallet.
Older age brackets tend to have larger nest eggs, but even workers who are nearing retirement often fall short. The median retirement savings for Americans aged 55 to 64 is $185,000, NerdWallet found.
Americans also aren’t saving as robustly. Payroll firm Dayforce found that Americans last year trimmed their annual contributions to their 401(k) accounts to 8.9%, down from 9.2% to in 2024.
“We’re acknowledging there’s a need… but we’re not taking enough action,” Roberts told CBS News.
Savings of $1.46 million would provide roughly $4,800 in retirement income per month, according to Northwestern. But Americans often undershoot how much they think they need to retire.
Unexpected expenses can crop up, depleting funds more quickly than expected. In some cases, people have to tap their savings before hitting retirement age. Recent research from financial services firm Vanguard shows a record share of Americans are taking hardship withdrawals to cover an immediate need, like a medical expense.
“They’re kind of saying, future me is going to live lean,” Rorberts said. “But it’s not actually how it plays out in reality.”
https://www.cbsnews.com/video/record-number-of-americans-making-emergency-401k-withdrawals/
发表回复