Benchmarks · Investments · 42–45 · SF

Investments for people aged 42–45 in San Francisco

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

Modeled estimate · federal survey data
Household-level figures: the underlying survey (Fed SCF) measures households, grouped by the reference person's age — combined for a couple, and they read high for a single person. Why, and how this changes as live data grows.
Median
$36K
Upper quarter
$289K
Top 10%
$1.0M

Half of people aged 42–45 in San Francisco have a total invested above $36,250. Reaching the upper quarter takes about $288,535, and the top 10% starts at $1,038,175 — roughly 28.6× the median. The lower quarter sits below $0, and the bottom 10% is under $0.

Where do you land against people aged 42–45 in San Francisco?
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The full distribution

PercentileInvestmentsWhat it means
Bottom 10%$09 in 10 are above this
Lower quarter$025th percentile
Median$36,250half above, half below
Upper quarter$288,53575th percentile
Top 10%$1,038,175only 1 in 10 is above this
Average (mean)$45,313pulled up by the top end — the median is the better "typical"
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  • Six ranks, not one. Net worth, income, savings rate, spending, retirement and investments against people aged 42–45 in San Francisco.
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Keeping Up dashboard for a demo member: net worth $348K, peer rank top 43%, savings rate top 3%, monthly spend top 41%
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Investments by age in San Francisco

AgeLower quarterMedian investmentsUpper quarterTop 10%
22–25 →$0$0$9,718$63K
26–29 →$0$3,190$45K$171K
30–33 →$0$7,685$69K$247K
34–37 →$0$7,250$121K$468K
38–41 →$0$20K$194K$737K
42–45$0$36K$289K$1.0M
46–50 →$0$55K$344K$1.5M
50–54 →$0$61K$441K$1.8M
55–59 →$0$68K$598K$2.2M
60–64 →$0$90K$680K$2.9M
65 and over →$0$22K$598K$2.8M

Investments at 42–45 by city

MetroLower quarterMedian investmentsUpper quarterTop 10%
New York City →$0$33K$257K$910K
San Francisco$0$36K$289K$1.0M
Los Angeles →$0$30K$235K$825K
Chicago →$0$28K$214K$740K
Boston →$0$30K$231K$808K
Washington, DC →$0$30K$235K$825K
Seattle →$0$31K$240K$842K
Austin →$0$28K$218K$757K

Investments in San Francisco for every age band →

More for people aged 42–45 in San Francisco

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

Common questions

What is the median total invested for people aged 42–45 in San Francisco?
The median total invested for people aged 42–45 in San Francisco is $36,250. Half of this group is above that figure and half below.
What total invested puts you in the top 10% of people aged 42–45 in San Francisco?
About $1,038,175. The 90th percentile is the level only one in ten people in this group exceeds — roughly 28.6× 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 2025 Survey of Consumer Finances (released October 2026), 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 — the Federal Reserve's 2025 Survey of Consumer Finances (released October 2026), the BLS Consumer Expenditure Survey (2024), the Census American Community Survey and BLS Occupational Employment & Wage Statistics (May 2025) — 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). Seeded figures are household-level, as in the SCF; live cohorts are individual-level. Amounts are in current dollars. Read the full methodology.

Last updated October 2026. Cohort: people aged 42–45 in San Francisco. Model sample basis: 120.