Most IRA money comes from 401(k) rollovers, not contributions
Kathrin Ziegler | Digitalvision | Getty Images Individual retirement account assets dwarf those of 401(k) plans. IRAs held about $19.2 trillion at the end of 2025, while 401(k)s held $10.1 trillion, according to the Investment Company Institute, a trade group representing asset managers. Yet, relatively few people contribute money directly to IRAs. And, their annual…