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U.S. Retirement Assets by Type
Assets held for retirement, by account type, $ billions
Plays the chart through its history. Pauses are where the data set a record or moved most.
From the Federal Reserve Financial Accounts. Annuity reserves exclude those held in IRAs.
Where Americans’ retirement savings sit. IRAs and 401(k)-style plans have grown into the largest layers as traditional pensions have shrunk in relative size.
What this chart reads·6 series
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- U.S. IRA Assetsas “IRAs”behindlatest 2026-01-01
- U.S. Defined-Contribution Plan Assetsas “Defined-contribution plans”behindlatest 2026-04-01
- U.S. State & Local Pension (Defined-Benefit) Assetsas “State and local pensions”behindlatest 2026-04-01
- U.S. Private Pension (Defined-Benefit) Assetsas “Private pensions”behindlatest 2026-04-01
- U.S. Federal Pension (Defined-Benefit) Assetsas “Federal pensions”behindlatest 2026-04-01
- U.S. Annuity Reserves (Retirement, Outside IRAs)as “Annuities”behindlatest 2026-01-01
Sources·6 sources
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U.S. IRA Assets. Source: Board of Governors of the Federal Reserve System, Financial Accounts of the United States (Z.1), series FL893131573 (FRED series ASIRAL). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly.
U.S. Defined-Contribution Plan Assets. Source: Board of Governors of the Federal Reserve System, Financial Accounts of the United States (Z.1), series FL594090055 (FRED series BOGZ1FL594090055Q). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly.
U.S. State & Local Pension (Defined-Benefit) Assets. Source: Board of Governors of the Federal Reserve System, Financial Accounts of the United States (Z.1), series FL222000075 (FRED series BOGZ1FL222000075Q). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly.
U.S. Private Pension (Defined-Benefit) Assets. Source: Board of Governors of the Federal Reserve System, Financial Accounts of the United States (Z.1), series FL572000075 (FRED series BOGZ1FL572000075Q). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly.
U.S. Federal Pension (Defined-Benefit) Assets. Source: Board of Governors of the Federal Reserve System, Financial Accounts of the United States (Z.1), series FL342000075 (FRED series BOGZ1FL342000075Q). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly.
U.S. Annuity Reserves (Retirement, Outside IRAs). Source: Board of Governors of the Federal Reserve System, Financial Accounts of the United States (Z.1), series FL543150015 (FRED series BOGZ1FL543150015Q). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.