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What Rate of Return to Expect From Your 401(k)

Your 401(k) rate of return doesn't depend only on the stock market. Your investment choices have a huge impact on what you earn.

By Robin Hartill, CFP – Updated Apr 24, 2025 at 4:05PM

Key Points

  • Regularly review your 401(k)'s annual returns to align investments with retirement goals.
  • Taking advantage of employer 401(k) matching gives you an immediate return.
  • Optimize your asset allocation to balance risk and enhance long-term returns.
Key findings are powered by ChatGPT and based solely off the content from this article. Findings are reviewed by our editorial team. The author and editors take ultimate responsibility for the content.

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