06.03.26

Rollovers Drive IRA Growth to $19.2 Trillion

by: Brian Anderson

A study by the Investment Company Institute found that rollovers from workplace retirement plans are a major driver of U.S. Individual Retirement Account (IRA) growth, pushing total IRA assets to $19.2 trillion by year-end 2025 and making them 39% of the retirement market. Over the past two decades, IRA share has risen sharply as workers increasingly move savings from employer plans into individual accounts. In 2022 alone, households transferred $670 billion into traditional IRAs, and by mid-2025 about 27 million households held rollover IRAs. Most of these rollovers involve transferring full account balances, often to consolidate assets or avoid leaving money with former employers.

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