Motley Fool Money 401(k) Millionaires and Maximizing Your HSA
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Sep 13, 2025 Roger Young, a thought leadership director at T. Rowe Price and author on HSAs, shares powerful insights on maximizing the benefits of Health Savings Accounts. He emphasizes the unparalleled tax advantages of HSAs and strategic ways to manage them wisely. The conversation also highlights the record number of 401(k) millionaires and what strategies propelled their success. Additionally, Young discusses the surprising performance of gold and silver in today's markets, making a case for their roles in investment portfolios.
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How 401(k) Millionaires Get There
- 401(k) millionaires typically reach that level through long careers and very high savings rates.
- The average 401(k) millionaire is ~59, contributed for 25 years, and saved ~25.9% including employer match.
Bonds Have Had A Strong Year
- Bond markets have rallied in 2025 as rates fell across maturities, boosting bond ETF returns.
- Vanguard total bond market ETF was up ~6.6% year-to-date, potentially the best bond year since 2020.
Gold And Silver Outpaced Stocks
- Precious metals have outperformed major stock indexes over the last three years.
- GLD returned ~109% and SLV returned ~118%, beating the Nasdaq and S&P 500.