美国投资公司协会：2025年美国个人退休帐户（IRA）在家庭养老储蓄中的作用研究报告（英文版）（26页）.pdf

1、The Role of IRAs in US Households Saving for Retirement,2025Key Findings Individual retirement accounts(IRAs)play an important role in US households retirementsaving.In mid2025,44%of US households owned IRAs.Traditional IRAs were the most common type of IRA owned(33%of US households),followed by Rot

2、h IRAs(28%)and employer-sponsored IRAs(4%).IRA-owning households often also had employer-sponsored retirement plan accumulations or had defined benefit plan coverage.The majority of US households have tax-advantaged retirement savings.All told,nearly threequarters of US households had retirement pla

3、ns through work or IRAs;being later in the lifecycle of saving,86%of nearretiree households did.Rollovers from employer-sponsored retirement plans have fueled the growth in IRAs.In mid2025,61%of traditional IRAowning households indicated that their traditional IRAs contained rollovers from employer-

4、sponsored retirement plans.Among households with rollovers in their traditional IRAs,86%indicated that they had rolled over the entire retirement account balance in their most recent rollover;42%had also made contributions to their traditional IRAs at some point.Traditional IRAowning households with

5、 rollovers cite multiple reasons for rolling over their retirement plan assets into traditional IRAs.The three most common primary reasons for rolling over were not wanting to leave assets behind at the former employer,wanting to consolidate assets,and wanting more investment options(19%,25%,and 15%

6、of traditional IRAowning households with rollovers,respectively).Recent years show a slight upward trend in contribution activity,although fewer than one in five US households make contributions to IRAs.Across all US households,17%contributed to traditional or Roth IRAs in tax year 2024.Looking at h