Web Reference: Dec 6, 2025 · The 401 (k) account is considered an investment asset and must be included in the gross net worth calculation. The figure used is the current vested market value, which is the total balance accessible to the employee. Apr 17, 2025 · Your 401 (k) and other retirement accounts often make up a large portion of your net worth. And net worth is one of the most important benchmarks for appraising your financial health. Growing your retirement accounts can improve your financial outlook and support your long-term goals. All retirement accounts—no matter what’s in them—count toward your investable net worth. You may not be able to access the funds until reaching age 59.5, but they’re still investments, still compounding for you every year, and still belong in your investable net worth.
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