老看。给你看一个美国的数字。

“401(k) and other defined contribution plans provide substantial investment capital to the U.S. economy.

As of the third quarter of 2012, the financial assets in defined contribution plans exceeded $4.2 trillion, with IRA assets (including rollover funds) comprising another $5.3 trillion – collectively larger than the GDP of China. (Federal Reserve Board, Flow of Funds Accounts of the United States, Table L.116.c, March 7, 2013)”

光退休金就9.5 trillion。这个还没算今年这个20%的大牛市。好好看看。