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Are You Ahead or Behind the Average 401(k) Balance for 40-Year-Olds?

If your 401(k) balance is not where it needs to be, you still have time.

Are You Ahead or Behind the Average 401(k) Balance for 40-Year-Olds?

Published September 9, 2026 · Category: Finance

Overview

If you want a secure retirement, you must save for it. Social Security replaces only around 40% of preretirement income, which would likely leave you with too little money to live comfortably as a senior.

It can sometimes be hard to know if you're investing enough throughout your career. The best way to determine that is to estimate your future spending needs and income from other sources, and to ensure that your savings will cover the gap. However, you can also see where you stand relative to others in your age group to get an idea of how your investments stack up.

Details

If you're curious about how your own investment balance compares to your peers', check out the average 401(k) balance for 40-year-olds.

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Source

Originally published at www.fool.com.

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Disclaimer: This article is for informational purposes only and does not constitute investment advice. Data may be delayed up to 15 minutes. Past performance is not indicative of future results. Consult a licensed financial advisor before making investment decisions.