问了chatgpt, 了，糊涂对， 福虎错， 计算见内， detail breakdown 都有。

来源: xiaofengjiayuan 于 2024-12-02 11:57:12 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (4040 bytes)
To calculate how much a couple investing the maximum allowable amount into their 401(k) from 1999 to today (2024) would have if invested in the S&P 500 (e.g., via SPY), we need to consider:

  1. Maximum Contribution Limits: The IRS changes the 401(k) contribution limits annually. For example:

    • In 1999, the maximum was $10,000.
    • In 2024, the maximum is $22,500 (plus $7,500 catch-up for those 50+).
    • Limits vary over the years and include catch-up contributions after age 50.

  2. S&P 500 Annual Returns: Historical returns of the S&P 500 (adjusted for dividends and inflation) must be factored in for each year of investment.

  3. Compounding: Contributions grow over time, and new contributions are added yearly.

Assumptions for this calculation:

  • Both individuals invest the max allowed per year, starting in 1999.
  • All investments go into SPY and are reinvested annually.
  • Returns are based on historical S&P 500 annual performance.

I'll calculate an approximate value. Let me run this.

If a couple each maximized their 401(k) contributions from 1999 to 2024, assuming all investments were in the S&P 500 (SPY) and returns followed historical data:

  • By the end of 2024, their combined balance would be approximately $3.14 million.

This estimate assumes:

  1. They started contributing at age 30 in 1999.
  2. Contributions included catch-up contributions starting at age 50.
  3. All returns were reinvested annually.

 detailed breakdown or a graph showing the growth over the years

Here is the graph illustrating the growth of the couple's 401(k) balance from 1999 to 2024:

  • The balance starts with annual contributions and compounds with the S&P 500's annual returns.
  • Periods of rapid growth correspond to strong market years (e.g., 2013, 2019-2021).
  • Declines occur during market downturns (e.g., 2008 financial crisis, 2022).

输出图片 ?

所有跟帖： 

• 包括了也到不了你的数 -burrito- ♀ 给 burrito 发送悄悄话 (0 bytes) () 12/02/2024 postreply 12:00:44

• 如果考虑一点公司的match就完美了 -burrito- ♀ 给 burrito 发送悄悄话 (0 bytes) () 12/02/2024 postreply 11:59:59

• sorry, With full employer match: $6.29 million -xiaofengjiayuan- ♀ 给 xiaofengjiayuan 发送悄悄话 xiaofengjiayuan 的博客首页 (0 bytes) () 12/02/2024 postreply 12:00:00

• employee dollar-for-dollar match, up to the IRS limit -xiaofengjiayuan- ♀ 给 xiaofengjiayuan 发送悄悄话 xiaofengjiayuan 的博客首页 (0 bytes) () 12/02/2024 postreply 12:01:18

• 50岁的，你存3万，公司也match3万？没有太多人可以达到的。 -wd6- ♀ 给 wd6 发送悄悄话 (0 bytes) () 12/02/2024 postreply 12:02:09

• 所以大多数人没有这么多，估计大多双职工家庭2-3百万最多了，现金1百万，一栋房子，两量车子， -xiaofengjiayuan- ♀ 给 xiaofengjiayuan 发送悄悄话 xiaofengjiayuan 的博客首页 (0 bytes) () 12/02/2024 postreply 12:07:01

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