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The average and median 401(k) balances in the U.S. have become the financial equivalent of trying to fit into your high school jeans—sometimes surprising but mostly disappointing.

According to Fidelity, the average 401(k) balance has climbed to $123,900, up 2% from the previous quarter. Meanwhile, the median balance of $28,900, tells a whole different story – with many Americans finding that their retirement nest eggs could use a few more eggs. (See below for a reminder on Average vs Median)

This data reflects both a steady commitment to saving and the ongoing challenge of financial stability in turbulent times. Remember, folks, it's not just about the size of your 401(k) but also how you scramble those eggs. How does your 401(k) stack up?

Average balance of 401(k) according to Fidelity:
20s: $17,700
30s: $56,200
40s: $124,400
50s: $212,400

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    BONUS: Listen to the NEW Sunday Money Podcast on Apple or Spotify

The Rising Demand for Whiskey: A Smart Investor’s Choice

Why are 250,000 Vinovest customers investing in whiskey?

In a word - consumption.

Global alcohol consumption is on the rise, with projections hitting new peaks by 2028. Whiskey, in particular, is experiencing significant growth, with the number of US craft distilleries quadrupling in the past decade. Younger generations are moving from beer to cocktails, boosting whiskey's popularity.

That’s not all.

Whiskey's tangible nature, market resilience, and Vinovest’s strategic approach make whiskey a smart addition to any diversified portfolio.

Schedule a call with a Vinovest advisor to learn more.

PS – We recently launched the Sunday Money Podcast. It’s a quick dive into three of the stories you read each week in the newsletter. Listen on Apple or Spotify – and then hit reply with your feedback!

See you next Sunday!
Chris

*Average vs Median

The average is calculated by adding up all the numbers in a data set and then dividing by the number of values. The average can be skewed by very high or very low values (outliers).

The median is the middle value in a data set when the numbers are arranged in ascending or descending order. The median is not affected by outliers and provides a better sense of the typical value in a skewed distribution.