re: Are you in the 1% club?

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So all your retirement has come from an artificially inflated stock market. You literally started investing at the dip in 2009 and are now riding recors highs.

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I would say 40% of my 401k is money I contributed. My company matches up to 7% so that has also added a good bit, let's say 30%. I typically average about 8% growth per year on my moderate aggressive goal. Really not much of it is tied up into stocks, don't even own too much of my company stock, mostly mutual funds.

Main point is if you contribute like you're supposed to, you should be near six figures by the time you're 30 in your 401k. If not you either are investing poorly or not making much money. Looking at compounding interest the account will grow substantially 20 to 30 years from now.