For example, Fidelity Investments has calculated such ratios - or what it calls "savings factors" - for people age 30 and older based on a variety of assumptions, including that you'll continue to save 15% of pay throughout your career and invest more than half of your savings in stocks. You can get a quick estimate of whether you're generally on track by looking at your "savings to income ratio," or how many times your annual salary you currently have tucked away in retirement savings accounts at a given age.
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