A Clarify Capital survey of 1,000 adults named “not investing earlier in
life” as the single biggest financial regret Americans report, and found
that nearly half (48%) said they should have started saving for
retirement earlier. Respondents estimated their net worth would be $40,000
higher today had they started sooner — and one in three put the figure at
$100,000 or more. On the action side, regret about having invested is far
rarer and is not directly surveyed: the closest cited measure comes from
MagnifyMoney/CNBC, where 38% of investors pulled money out during volatility
and 40% of that group regret it — roughly 15% of investors who took an
active market move they wish they hadn’t.
Bankrate’s own biggest-financial-regret menu (retirement 22%, emergency
savings 18%, credit card debt 14%) contains no investment-loss category at
all, underscoring how far action-type investing regret sits below the
inaction regrets.
The mechanism is compound interest working in reverse as a regret amplifier.
A 25-year-old who puts $10,000 into an S&P 500 index fund and leaves it for
30 years at the historical ~10% nominal return ends up with roughly $175,000;
the same person waiting until 35 ends up with ~$67,000 — a gap that exists
entirely because of the ten lost years, not because of any difference in
skill or risk tolerance. Börsch-Supan et al. (2023) confirmed this pattern
with peer-reviewed rigor: surveying US adults aged 60-79, they found 58.5%
affirm saving regret — the wish to have saved more earlier. Notably, their
analysis found that life shocks (unemployment, health crises, divorce)
explained more of the variation than procrastination or psychological
traits, suggesting that saving regret is partly driven by circumstance
rather than pure inaction bias.
The caveat is regime dependence. These surveys were fielded during or shortly
after a 13-year US equity bull run in which the S&P 500 returned roughly 15%
annualized. Someone who invested early in Japan’s Nikkei in 1989 waited over
30 years to break even; someone who bought US equities in March 2000 was
underwater for a decade. The 48% inaction-regret figure is partly a product
of hindsight bias magnified by a historically favorable period. In a
high-interest-rate environment — such as 2023-2024, when US savings accounts
and CDs offered 5%+ — the gap between “invest early” and “keep in term
deposits” narrows considerably. The directional finding (timing regret favors
starting early) is robust across most long horizons; the magnitude is
era-dependent and should not be read as a universal constant.
Źródła: działanie
Rejestr twierdzeń
Każda liczba poniżej jest tym, co podało dane źródło — z dosłownym cytatem, na którym się oparliśmy, i sposobem, w jaki doszliśmy do naszej wartości. Kliknij dowolny link, żeby zweryfikować bezpośrednio.
[1]CNBC / MagnifyMoney — Nearly 40% of investors who pulled money out of markets in the last year regret it
Źródło referencyjne
38% of investors pulled money from the stock market due to current events; of those, 40% wish they had stayed invested (≈15% of investors)
Cytat
“"38 percent of investors said they sold stocks last year due to a current event, and of that group, 40 percent said they wish they'd kept their money invested."
”
Dane źródłowe z
2022-05-16
Dostęp
2026-04-26
Obliczenie
MagnifyMoney/CNBC: 38% of investors pulled money out of the market due to current events, and 40% of that group now regret it. That implies roughly 0.38 × 0.40 ≈ 15% of investors took an active market move they regret. We use this ≈15% as the action-regret rate, because among people who acted on their investments the regret overwhelmingly runs toward wishing they had stayed in the market — not toward wishing they had never invested. The predominant action-regret is about exiting, not entering; no reached survey reports a clean "regret investing early" rate, so this exit-regret figure is the closest cited action-regret measure.
[2]Bankrate — Survey: 2 In 5 Americans Regret Not Saving Enough For Retirement Or Emergencies
Źródło referencyjne
Bankrate's biggest-financial-regret menu is led by inaction-type regrets (retirement 22%, emergencies 18%, credit card debt 14%); investment losses are not among the top listed categories
Cytat
“"22% of Americans said not saving for retirement early enough is their top financial regret. 18% of Americans said they regretted not socking away enough money to cover emergency expenses. Other financial regrets included incurring too much credit card debt (14%) and buying more house than they could afford (2%)."
”
Dane źródłowe z
2024-08-20
Dostęp
2026-04-26
Obliczenie
Bankrate commissioned YouGov to survey US adults in July 2024, nationally representative via non-probability sample with quotas. The top financial regrets are retirement saving (22%), emergency savings (18%), and credit card debt (14%) — all inaction-type regrets. "Investment losses" or "poor investment decisions" is not a listed top category, which is context that action-side (regret-having-invested) rates are low; Bankrate does not itself supply the action rate.
Źródła: bezczynność
Rejestr twierdzeń
Każda liczba poniżej jest tym, co podało dane źródło — z dosłownym cytatem, na którym się oparliśmy, i sposobem, w jaki doszliśmy do naszej wartości. Kliknij dowolny link, żeby zweryfikować bezpośrednio.
1/3 źródeł niezależnie zweryfikowanych słowo w słowo z podanym źródłem
[1]Clarify Capital — The Financial Regrets Report: What Americans Wish They Did Differently↗ 1 other entry
Źródło referencyjne
Nearly half (48%) of Americans say they should have started saving for retirement earlier; not investing earlier in life ranked as the single biggest financial regret, with respondents estimating $40,000 higher net worth had they started sooner
Cytat
“"Americans' biggest financial regrets were not investing earlier in life, overspending, and taking on too much debt. On average, they estimated their net worth would be $40,000 higher today if they had avoided their biggest financial mistake, while 1 in 3 believed they'd have $100,000 more in their accounts. Retirement accounts topped the list of investments Americans regretted not making sooner. Nearly half (48%) said they should have started saving earlier, including 56% of Gen X, 51% of baby boomers, and 35% of Gen Z."
”
Dane źródłowe z
2023-06-15
Dostęp
2026-04-26
Obliczenie
Clarify Capital surveyed 1,000 Americans (average age 41). The survey names "not investing earlier in life" as the top-ranked biggest financial regret but attaches no single headline percentage to that rank; the closest stated figure for the timing dimension is that "nearly half (48%) said they should have started saving earlier" for retirement. We use that verbatim 48% as the inaction-regret rate. The $40K net-worth gap (and 1 in 3 estimating $100,000 more) is self-estimated and likely conservative for those who kept money in term deposits during a prolonged equity bull market. Verified against the archived snapshot (web.archive.org/web/20250607215536).
[2]Bankrate — Survey: 2 In 5 Americans Regret Not Saving Enough For Retirement Or Emergencies
Źródło referencyjne
22% of Americans say not saving for retirement early enough is their No. 1 financial regret — the top regret for six of seven years Bankrate has tracked it
Cytat
“"Not saving for retirement early enough has been the No. 1 regret among Americans for six out of the seven years Bankrate has asked about financial regrets. 22 percent cited it as their top regret in 2024. Only 15 percent of people with a financial regret have made significant progress on it in the last 12 months."
”
Dane źródłowe z
2024-08-20
Dostęp
2026-04-26
Obliczenie
Bankrate's 22% figure uses a different framing — "not saving for retirement early enough" — which captures the same timing regret but in a broader financial-regret menu. The lower figure reflects competition with other regret categories (debt, emergencies), not weaker sentiment. The persistence across seven annual surveys confirms this is not a one-year anomaly.
[3]Journal of Economic Psychology / Börsch-Supan, Bucher-Koenen, Hurd & Rohwedder — Saving regret and procrastination
Zweryfikowane
↗ 2 other entries
Recenzowane naukowo
58% of US adults aged 60-79 affirm saving regret — the wish in hindsight to have saved more earlier in life
Cytat
“"We defined saving regret as the wish in hindsight to have saved more earlier in life, and measured this along with possible determinants in a survey of U.S. households where respondents were aged 60–79. We found high levels of saving regret: approximately 58% of respondents affirmed it. Married, older, healthier and wealthier respondents were less likely to report saving regret."
”
Dane źródłowe z
2023-02-01
Dostęp
2026-04-26
Weryfikacja
Cytat niezależnie pobrany ponownie i potwierdzony słowo w słowo z podanym źródłem podczas naszego audytu ugruntowania.
Obliczenie
Börsch-Supan et al. (2023), Journal of Economic Psychology 94. Peer-reviewed study using a nationally representative US sample of adults aged 60-79. The paper's preferred estimate is 58.5%; its abstract states "approximately 58% of respondents affirmed it." This corroborates the survey-based timing-regret findings (Clarify Capital 48%, Bankrate 22%) with a stronger methodology. The higher rate likely reflects that older adults have more hindsight and larger realized opportunity costs. Shocks (unemployment, health, divorce) explained more variation than procrastination, suggesting saving regret is partly driven by life events rather than pure inaction bias.
Zastrzeżenia
48% po stronie zaniechania (Clarify Capital) i ~15% po stronie działania (MagnifyMoney/CNBC) pochodzą z różnych ankiet o różnych strukturach pytań i mierzą pokrewne, lecz nie identyczne konstrukty. Ankieta Clarify Capital wskazała „niezainwestowanie wcześniej w życiu” jako najczęściej wymieniany największy żal finansowy, ale nie przypisała temu miejscu żadnego nagłówkowego odsetka; użyte 48% to najbliższa podana liczba dotycząca czasu — „prawie połowa (48%) stwierdziła, że powinna była zacząć oszczędzać wcześniej” na emeryturę — więc wskaźnik zaniechania to żal dotyczący czasu oszczędzania/inwestowania, a nie ściśle „żałuję, że nie zainwestowałem w akcje”. Liczba ~15% po stronie działania wywodzi się z żalu z wyjścia (38% inwestorów sprzedało w okresie zmienności, a 40% z nich tego żałuje), ponieważ żadna dostępna ankieta nie podaje czystego wskaźnika „żalu z wczesnego inwestowania” — żal z samego faktu zainwestowania nie jest mierzony bezpośrednio, a menu żalów Bankrate (emerytura 22%, sytuacje awaryjne 18%, dług na karcie kredytowej 14%) w ogóle nie zawiera kategorii strat inwestycyjnych. Luka 40 000 USD majątku netto jest samoszacowana, nie aktuarialnie obliczona — ludzie kotwiczą się na okrągłych liczbach i mogą przeszacowywać lub zaniżać prawdziwy koszt alternatywny. Wszystkie trzy ankiety o zaniechaniu przeprowadzono w trakcie lub krótko po historycznie silnym amerykańskim hossy akcji (2009–2022, S&P 500 ~15% rocznie). W przedłużonym rynku niedźwiedzia lub w reżimie stagnacji (Japonia po 1989, USA 2000–2010) żal z zaniechania byłby istotnie niższy, a z działania wyższy. Posiadacze lokat w środowiskach wysokiego oprocentowania (np. stopy 5%+ w latach 2023–2024) mogą mieć mniej żalu, niż sugerują te ankiety. Recenzowane ustalenie Börsch-Supana i in. (58% żalu z oszczędzania wśród osób w wieku 60–79 lat) potwierdza wzorzec kierunkowy silniejszą metodologią, ale pokazuje też, że szoki życiowe, nie tylko prokrastynacja, napędzają wiele zmienności. Delta 0,33 jest umiarkowana i zależna od reżimu. Dane ankietowe pochodzą wyłącznie z prób USA; wskaźniki satysfakcji i żalu w krajach o innych strukturach instytucjonalnych — rynkach finansowych, strukturach kont uprzywilejowanych podatkowo i reżimach zysków kapitałowych — mogą znacznie się różnić.
