Building Financial Futures

Trends and insights of those saving for retirement across America.


Despite the significant swings in the stock market during the third quarter of 2021, our analysis found there were minimal changes to the average retirement account balance, with a slight increase to the average IRA balance and moderate decline in both the average 401(k) and 403(b) balances. The majority of retirement savers continued to take a long-term approach by maintaining their contribution levels to workplace savings and not making significant changes to their asset allocation.

In addition, the number of Gen Z investors across Fidelity’s retirement platform reached a record 1.4M in Q3, nearly double the number of Gen Z investors from one year ago.

In our Participant Pulse we provide a snapshot of Gen Z characteristics and behaviors to help you get to know this rising segment of your workforce.

Download the full report

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