About 72% 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 37% IRA only 5% No IRA or employersponsored plan 28% Employersponsored plan only 30% Source: Investment Company Institute, 2023 (2022 data; most current available)
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