The Road to Better Outcomes: 2025 Global Retirement Survey Results
 US SURVEY AUDIENCE701 Plan Participants | 304 Retirees |
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| We compare what participants expect when it comes to retirement with what retirees are experiencing in retirement, including their views on retirement confidence, what retirement will look like and what's most important when it comes to their retirement portfolios. | ||
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| Participant Concerns & Retirement Readiness |
| Participants tell us about their leading financial concerns and areas of focus, their outlook on retirement savings and their views on competing financial priorities. |
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| Participant Behavior & Investment Selection |
| We review what participants understand and what they don’t when it comes to target date funds, as well as share their thoughts on long-term investing and the resources they use to make retirement planning decisions. |
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| Retirement Expectations vs Reality |
| We compare what participants expect when it comes to retirement with what retirees are experiencing in retirement, including their views on retirement confidence and what's most important when it comes to their retirement portfolios. |
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Retirement Confidence
Q: [Participant] How confident are you that you will be able to retire at the age you want to?
Q: [Retiree] How confident are you that your existing assets will provide enough cash flow / income to last throughout your retirement?
Retirement Transition Expectations
Q: [Participant] Do you expect your retirement to be…?
Q: [Retiree] When you retired, was it….?
Retirement Income Solutions
Q: How much do you agree or disagree with the following statements on guaranteed income in retirement, either through an annuity or form of insurance?
The Role of Social Security
Q: [Pre-retiree] What percent of your retirement income do you expect will come from Social Security?
Q: [Retiree] What proportion of your monthly retirement income comes from each of the sources below?
Key Insight41% of participants expect to receive less than 25% of their income in retirement from Social Security. However, retirees note the largest proportion of their monthly income, about 45%, comes from Social Security, This discrepancy highlights a potential gap in participant expectations versus actual retirement income sources, underscoring the importance of comprehensive retirement planning.
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Retirement Portfolio Priorities
Q: Please rank order possible elements of a retirement portfolio in order of importance. (% ranked top 3)
Key InsightBoth pre-retirees and retirees tell us that predictable payments are their top retirement portfolio priority, followed by flexibility for withdrawals. Retirement income solutions, like guaranteed income through an annuity and insurance protection, are not major priorities for either participants or retirees.
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