3月股災前富達退休金...統計資料...百萬富翁佔1.6%

tcwu
個人積分：3332分
文章編號：79844035

3332分

樓主

2020-11-19 11:21

There’s now a record number of 401(k) and IRA millionaires, according to Fidelity
KEY POINTS

Fidelity says a record 441,000 IRA or 401(k) accounts it manages had balances of $1 million or more.

The number represents 1.6% of the 27.2 million IRA and 401(k) accounts managed by Fidelity.

The average 401(k) balance rose to a record $112,300, a 7% increase from last quarter’s balance of $105,200.

Employees are saving more: One-third of plan participants increased the amount they were saving by an average of 3%.

原文出處 2/13/2020
https://www.cnbc.com/2020/02/13/fidelity-there-is-now-a-record-number-of-401k-and-ira-millionaires.html#:~:text=Fidelity%20says%20a%20record%20441%2C000,last%20quarter's%20balance%20of%20%24105%2C200.

目前我只認識一個在TOP 1.6%的01網友
正在向TOP1.6%邁進..還得加油

IRA/401K 是美國延稅退休帳戶
通常只能選購ETF
公司會相對提撥..通常是3%-6%的年薪..但是不能超過IRS規定
一般股票戶頭獲利股息都要計入所得稅扣稅
不像台灣炒股天堂..資本利得不扣所得稅..股息也大多不扣稅

很好奇股災後..百萬富翁跟平均值掉多少
3月股災+新冠肺炎...很多人被迫提領401K/IRA..還好可以免罰...
富達Fidelity11萬的平均值真的是超高的
現在雙重因素下不知道掉了多少

3

無良網管..系統正在準備文章內容, 請稍待...

2020-11-19 11:21 發佈

文章關鍵字股災前富達退休金統計資料富翁 1.6 百萬

fostery

fostery
個人積分：16645分
文章編號：79844411

16645分

2樓

2020-11-19 11:43

tcwu wrote:
There’s now(恕刪)

在台灣百萬美元(不計算房產)只能算中產階級,在美國我不知道千萬美元能算富翁嗎?

我就是愛拍照

我就是愛拍照
個人積分：23381分
文章編號：79847421

23381分

3樓

2020-11-19 15:11

fostery wrote:
在美國我不知道千萬美元能算富翁嗎?

可以吧? 據前兩三年的調查，
大部份的人（80%以上）認為五百萬美元就可以算是Rich

tcwu

tcwu
個人積分：3332分
文章編號：79853631

3332分

樓主

2020-11-20 0:04

fostery wrote:
在台灣百萬美元(不計(恕刪)

你這樣說是不把01兩大"教"主放在眼內囉
X大跟C大笑到噴淚

無良網管..系統正在準備文章內容, 請稍待...

我就是愛拍照

我就是愛拍照
個人積分：23381分
文章編號：79853747

23381分

5樓

2020-11-20 0:21

How Much Money Do You Need to Be Wealthy in America?

The exact amount can depend on how old you are.
By Suzanne Woolley
May 13, 2019, 4:00 AM PDT
How Much Money Makes You Rich in America?

Rich is relative.

Merely having a net worth of $1 million, it seems, doesn’t mean you’re wealthy. In Charles Schwab’s annual Modern Wealth Survey, the amount people said it took to be considered rich averaged out to $2.3 million. That, the company said, is “more than 20 times the actual median net worth of U.S. households.”

It’s also a very slight drop from the $2.4 million average in the two previous iterations of the survey.

The older one gets, the higher the bar goes, predictably. Among baby boomers (roughly age 55 to 73), the average net worth you need to be considered wealthy is $2.6 million, 35% higher than what millennials envision as the admission price to the plutocracy.

For someone to be deemed merely financially comfortable, the required net worth shrinks significantly. The average amount was $1.1 million, and only Generation Z (about age 9 to age 22, though Schwab’s sample was 18 to 22) cited a number below $1 million ($909,600, to be exact.)
relates to How Much Money Do You Need to Be Wealthy in America?

The Schwab survey, which took a national sample of 1,000 Americans between the ages of 21 and 75, also revealed that the majority of Americans really crave real estate. More than 50% of respondents across generations said that if they got a $1 million windfall, they’d spend it, and the most popular purchase would be a place to live—particularly among millennials (roughly age 22 to 37).

Those millennials also took issue with the premise of the survey. More than three-quarters of them said their personal definition of wealth was really about the way they live their lives, rather than a discrete dollar amount.

Nevertheless, 60% of them aren’t all that worried, since they plan to be wealthy within one to 10 years. The survey results suggest an interesting strategy to help them get there—ignore their friends’ social media posts.

How’s that? Well, it seems virtual covetousness has taken on a life of its own for the digital generation. According to the survey, overspending because of what they see on social media (in tandem with the ease with which it takes your cash) was the largest “bad” influence on how they managed their money.
relates to How Much Money Do You Need to Be Wealthy in America?

And the negative influence of social media on spending is only going to grow. In March, Instagram announced that it’s testing a shopping feature called Checkout that lets users buy things directly within the app, rather than being directed to a retailer’s website. So much for one-stop shopping. Now you won’t even have to stop.

With 59% of the Americans surveyed saying they live paycheck to paycheck, instant gratification comes with a high price. While a strong economy and low unemployment are helping consumers stay current on their debt payments, the largest U.S. banks are seeing losses on credit cards outpace those of auto and home loans at a rate not seen in at least 10 years.

And when the bottom does finally fall out, the last thing most Americans will be thinking of is whether they qualify as wealthy.

tcwu

tcwu
個人積分：3332分
文章編號：79854456

3332分

樓主

2020-11-20 4:25

我就是愛拍照 wrote:
How Much Money...(恕刪)

E大你這篇文是2019
現在很多人還在等第2張1200支票
我也在等

參議院共和黨卡死很多人的希望跟及時雨

The Massachusetts Department of Revenue’s latest report on million-dollar earners shows 18,205 tax filings were submitted by residents statewide reporting an adjusted gross income of more than $1 million during the 2017 tax year, the most recent year for which data is available.

2015資料
No state has more millionaires than California, which perhaps makes sense given that it’s the most populated state. There are just under 72,500 tax filers in California with an adjusted gross income above $1 million. Like residents in some other states in the top 10, such as Connecticut and New York, California residents face high income tax rates.

A couple taking home exactly $1 million in California would pay $94,731 to the California state government.

無良網管..系統正在準備文章內容, 請稍待...

fostery

fostery
個人積分：16645分
文章編號：79854503

16645分

7樓

2020-11-20 5:02

tcwu wrote:
你這樣說是不把01兩大"教"主放在眼內囉
X大跟C大

有,當然有把你所謂01兩大教主看在眼裡,尤其對他們的財富仰而不止,正向著目標,奮然前行,哈哈

我就是愛拍照

我就是愛拍照
個人積分：23381分
文章編號：79855018

23381分

8樓

2020-11-20 8:10

fostery wrote:
尤其對他們的財富仰而不止，正向著目標,奮然前行,哈哈

F大不是早已超過了？

fostery

fostery
個人積分：16645分
文章編號：79855562

16645分

9樓

2020-11-20 8:56

我就是愛拍照 wrote:
F大不是早已超過了？(恕刪)

人捧人大家都高興，何樂而不為，哈哈。

tcwu

tcwu
個人積分：3332分
文章編號：79868302

3332分

樓主

2020-11-21 5:45

不能再叫X大跟C大
要改叫X小跟C小了
F大也要改名F小笑到噴淚

都是有錢人...

男性「大小」與收入有關？英研究讓台鄉民全抓狂

雖然男性重視尺寸「大小」早是老問題，但據英媒《太陽報》報導，英國網購平台onBuy.com調查研究發現，男性「尺寸」越大不一定代表收入越多，但越小的人反而收入越高。

報導指出，這份調查訪問了997位英國男性關於自身工作、薪資收入以及陰莖尺寸大小，以檢視大小與收入的關聯性。研究發現，陰莖尺寸在3英吋（約7.6公分）的男士，平均年收入為5.8萬英鎊；而尺寸在7英吋與8英吋（約20公分）的平均年收入為3.8萬英鎊與2.7萬英鎊。至於在工作晉升上，尺寸平均為4英吋（約10公分）在過去5年擁有最多升遷機會，平均每年2.9次。

在職業比較上，勞動力者以6英吋至7英吋佔多數，分別為59%與16%，佔了全體3/4。而藝術工作者在所有行業中尺寸最為傲人，他們擁有8英吋的人數占最高比例的5%，而6英吋與7英吋也占了次高比例。

至於薪資收入高於平均值業的醫生們，其大小落在平均值。另外，銀行家與金融業者擁有大小3英吋最高比例為7%，其次是律師為4%。

這篇研究也讓不少自稱擁有30公分的台灣鄉民之間引起討論，有人認為「難怪自己收入這麼低，原來是…」，但也有人認為「大的人不必努力賺錢就有人樂於分享，小的只能靠努力賺錢才可以贏得別人青

無良網管..系統正在準備文章內容, 請稍待...