About 74% of U.S. households have tax-advantaged retirement savings accounts. These accounts generally fall into two categories: IRAs and employer-sponsored plans such as a 401(k) and a 403(b). Tax-Advantaged Retirement Accounts Percentage of U.S. households with tax-advantaged retirement savings plans IRA and employersponsored plan 38% IRA only 6% No IRA or employersponsored plan 26% Employersponsored plan only 30% Source: Investment Company Institute, 2025 (2024 data; most current available)
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