Retirement plan participants remained focused on long-term goals throughout 2025, with automatic enrollment features and professionally managed allocations improving savings outcomes, according to Vanguard‘s annual How America Saves report.

The 25th edition of the annual analysis — scheduled for full release in June — shows that average participant account balances increased by 13% from the end of 2024, reaching an all-time high of $167,970. Median balances climbed 16% to $44,115.

The S&P 500 ended 2025 with a 16% gain despite earlier fluctuations, while international equities returned 32% and U.S. bonds rose 7%.

Automatic enrollment gains traction

Sixty-one percent of Vanguard retirement details ⇒

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