Big Gains in 401(k)s: Is It Time to Re‑think Your Plan?

Many people notice their retirement accounts have grown a lot after years of market ups and downs. In late 2025, the average balance in a 401(k) hit $146,400, up more than ten percent from the same time last year. The average IRA also climbed to $137,095. This is good news for workers who save for the future while juggling today’s bills.

A High Balance Isn’t a Guarantee

A large balance doesn’t automatically mean you’re set for retirement. It’s a good moment to:

• Examine the holdings – Are you still on track for your goals?
• Adjust risk – Younger savers should ensure they’re allocating enough to long‑term growth, not just staying safe.

Options for Those 59½ and Older

Those who are 59½ or older can:

• Move money from a 401(k) to an IRA while staying employed.
• More investment options
• Lower fees
• Customizable risk tolerance

They can also use tools like managed portfolios or structured notes to balance growth and protection.

The Balanced Plan

A comprehensive strategy that blends:

• Investing
• Income planning
• Health protection

offers the best chance for a worry‑free retirement. Even if markets fall, having control over where your money goes keeps you on track.