Older Americans are ramping up their IRA contributions, according to Fidelity’s latest retirement analysis study. Advisers say growing anxiety about the possibility of running out of money in retirement is likely driving the surge in contributions.
The study, which looked at 17.8 million IRA accounts in the second quarter of 2025, found that IRA contributions have remained flat year over year. But, among Generation X and baby boomer account holders specifically, the contribution rate has increased 25% and 37%, respectively, from a year ago.
