IRA and Keogh Accounts: Total
IRA • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,152.30
Year-over-Year Change
11.74%
Date Range
1/1/1959 - 6/1/2025
Summary
The IRA and Keogh Accounts: Total series tracks the aggregate value of individual retirement accounts and self-employed retirement plans in the United States. This metric provides critical insight into household retirement savings and long-term financial preparedness.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This economic indicator represents the cumulative financial assets held in Individual Retirement Accounts (IRAs) and Keogh plans, which are tax-advantaged retirement savings vehicles. Economists use this trend to assess personal savings rates, retirement readiness, and potential investment capital in the broader financial ecosystem.
Methodology
Data is collected through comprehensive financial surveys and aggregated reporting from financial institutions, tracking the total market value of these retirement accounts.
Historical Context
Policymakers and financial analysts use this trend to understand household financial health, potential economic resilience, and retirement planning dynamics.
Key Facts
- IRAs and Keogh accounts offer tax-advantaged retirement savings options
- Total account values reflect broader economic conditions and individual financial strategies
- These accounts represent a significant component of personal retirement preparedness
FAQs
Q: What is the difference between an IRA and a Keogh plan?
A: IRAs are individual retirement accounts available to most workers, while Keogh plans are retirement plans specifically designed for self-employed individuals or small business owners.
Q: How do these accounts impact personal financial planning?
A: These accounts provide tax-deferred or tax-free growth, allowing individuals to save for retirement with potential tax advantages and investment flexibility.
Q: How often is this data updated?
A: The Federal Reserve typically updates this series quarterly, providing a current snapshot of retirement account valuations.
Q: Why do economists track these account totals?
A: Tracking these accounts helps understand household savings behavior, investment trends, and potential economic resilience during different market conditions.
Q: Are there contribution limits for these accounts?
A: Yes, both IRAs and Keogh plans have annual contribution limits set by the IRS, which can change based on inflation and tax regulations.
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Citation
U.S. Federal Reserve, IRA and Keogh Accounts: Total [IRA], retrieved from FRED.
Last Checked: 8/1/2025