Skip to navigationSkip to main contentSkip to right columnADVERTISEMENTBrian O’ConnellThu, July 2, 2026 at 12:30 PM GMT+2 6 min readYuriArcursPeopleimages/EnvatoMost Americans build retirement savings through workplace plans like 401(k)s. But thanks largely to rollovers, IRAs now hold more total retirement assets than 401(k)s do.All told, IRAs hold approximately $19.2 trillion (1), about equal to Europe's total gross domestic product, through 2025. In contrast, 401(K) plans total $10.1 billion (2) in the same time period.Must ReadJeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being oneRobert Kiyosaki says this 1 asset will surge 400% in a year and begs investors not to miss this 'explosion'Millionaires under 43 hold only 25% of their wealth in stocks.