Benchmarks · Investments · 38–41 · NYC

Investments for people aged 38–41 in New York City

Everything invested in markets — brokerage, retirement accounts and employer plans combined.

Modeled estimate · federal survey data

Median

$189K

Upper quarter

$439K

Top 10%

$848K

Half of people aged 38–41 in New York City have a total invested above $188,500. Reaching the upper quarter takes about $438,900, and the top 10% starts at $847,900 — roughly 4.5× the median. The lower quarter sits below $44,660, and the bottom 10% is under $10,040.

The full distribution

Percentile	Investments	What it means
Bottom 10%	$10,040	9 in 10 are above this
Lower quarter	$44,660	25th percentile
Median	$188,500	half above, half below
Upper quarter	$438,900	75th percentile
Top 10%	$847,900	only 1 in 10 is above this
Average (mean)	$235,625	pulled up by the top end — the median is the better "typical"

Where do you stand?

Connect your accounts and Keeping Up shows your exact percentile against people aged 38–41 in New York City — plus savings rate, spending by category and net worth over time. Read-only bank access via Plaid; your numbers are never shown to anyone.

See where you stand →Free to start · no card required

Investments by age in New York City

Age	Lower quarter	Median investments	Upper quarter	Top 10%
22–25 →	$1,276	$10K	$37K	$90K
26–29 →	$6,380	$36K	$100K	$222K
30–33 →	$15K	$72K	$173K	$361K
34–37 →	$28K	$124K	$293K	$584K
38–41	$45K	$189K	$439K	$848K
42–45 →	$64K	$254K	$572K	$1.1M
46–50 →	$89K	$338K	$745K	$1.4M
50 and over →	$121K	$455K	$958K	$1.8M

Investments at 38–41 by city

Metro	Lower quarter	Median investments	Upper quarter	Top 10%
New York City	$45K	$189K	$439K	$848K
San Francisco →	$49K	$210K	$493K	$967K
Los Angeles →	$41K	$174K	$403K	$769K
Chicago →	$38K	$160K	$366K	$689K
Boston →	$41K	$171K	$395K	$753K
Washington, DC →	$41K	$174K	$403K	$769K
Seattle →	$42K	$177K	$410K	$784K
Austin →	$39K	$162K	$374K	$705K

More for people aged 38–41 in New York City

Net worth →Income →Retirement savings →Savings rate →Monthly spending →

Common questions

What is the median total invested for people aged 38–41 in New York City?

The median total invested for people aged 38–41 in New York City is $188,500. Half of this group is above that figure and half below.

What total invested puts you in the top 10% of people aged 38–41 in New York City?

About $847,900. The 90th percentile is the level only one in ten people in this group exceeds — roughly 4.5× the median.

Where do these numbers come from?

They are modeled percentile distributions fitted to this cohort from federal survey microdata — the Federal Reserve's Survey of Consumer Finances, the BLS Consumer Expenditure Survey, Census ACS and BLS wage data — and they blend toward anonymized, aggregated data from Keeping Up members as each cohort grows. Full methodology at keepingup.com/methodology.

How this is built. Percentiles are modeled for this cohort from federal survey microdata — Federal Reserve Survey of Consumer Finances, BLS Consumer Expenditure Survey, Census American Community Survey and BLS Occupational Employment & Wage Statistics — with metro cost-of-living and wage adjustments. As Keeping Up members in this cohort grow, the band blends toward anonymized, aggregated live data (minimum cohort sizes apply; no individual is ever identifiable). Amounts are in current dollars. Read the full methodology.

Last updated June 2026. Cohort: people aged 38–41 in New York City. Model sample basis: 120.