Vanguard Says Average 65-Plus 401(k) Hits $300,000 as Median Stays Near $95,000
Updated
Updated · The Motley Fool · Sep 16
Vanguard Says Average 65-Plus 401(k) Hits $300,000 as Median Stays Near $95,000
3 articles · Updated · The Motley Fool · Sep 16
Summary
Vanguard’s 2025 How America Saves report puts the average 401(k) balance for savers 65 and older at about $300,000, the highest among the age groups it tracks.
The gap to the median is wide: the typical 65-plus account holds about $95,000, showing how large balances skew the average upward.
Balances rise steadily with age in Vanguard’s data, from roughly $7,000 on average for savers under 25 to just over $270,000 for those aged 55 to 64.
Vanguard says comparisons have limits and points instead to a personal benchmark such as saving 10 times salary by age 67.