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The following article was published in our article directory on January 23, 2017.
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Your Retirement Hopes: Filled With Holes?

Article Category: Aging

Author Name: John McLauchlan

Your Retirement Hopes: Filled With Holes?

If you're like many Americans, you may expect to enjoy a comfortable retirement, however you most likely have not taken the actions needed to turn those hopes into reality.

The current survey showed lots of Americans' retirement expectations are like a piece of Swiss cheese-full of holes. For instance, numerous have actually built up just modest retirement cost savings, underestimating the share of their preretirement income they are likely to require in retirement, and have made no price quote of what does it cost? they will have to live easily once they retire.

The Retirement Confidence Survey (RCS), begun in 1991, is the nation's most established and detailed study of the mindsets and habits of American employees and retirees towards all elements of conserving, retirement preparation and long-lasting monetary security. The study is sponsored by the Employee Benefit Research Institute and Matthew Greenwald & Associates.

• Longevity: Two-thirds (66 percent) of current workers think they have some chance that they will live until age 90-or invest 25 years in retirement, presuming they retire at age 65. • Income replacement: Fourteen percent of current employees said they thought they would require less then 50 percent of their preretirement earnings to live conveniently in retirement. • Planning: Nearly six in 10 existing employees (59 percent) said they hope to have a retirement requirement of living equivalent to or greater than their working years.

" Recent research has discovered that when a 'traditional' pension is frozen, lots of workers in the pension are not likely to obtain an equivalent benefit worth added to their 401( k) plan," stated Jack VanDerhei, a Temple University teacher, EBRI fellow, and co-author of the Retirement Confidence Survey. "Each case is different, however it's clear that people currently working need to factor into their retirement planning the long-lasting trend away from 'conventional' defined advantage pensions and towards 401( k)- type strategies."

He included: "We find there are a lot of individuals who have to be saving more than they are, if they intend to be able to afford a comfortable retirement."

" Working 'in retirement' might be one partial service," said Michael Falcon, primary running officer of the Retirement Group at Merrill Lynch-a sponsor of the EBRI research study, along with its own New Retirement Survey. "Seventy-seven percent of our participants state that ideally, they would work either full-time, part-time, or cycle backward and forward in between work and leisure before they stopped work completely," Falcon stated. "Working beyond normal retirement can obviously assist economically, but Americans also state they are interested in working to stay socially and physically active."

• Longevity: Two-thirds (66 percent) of existing employees believe they have some opportunity that they will live until age 90-or spend 25 years in retirement, presuming they retire at age 65. • Income replacement: Fourteen percent of present workers stated they thought they would need less then 50 percent of their preretirement earnings to live conveniently in retirement. • Planning: Nearly six in 10 existing workers (59 percent) stated they hope to have a retirement standard of living equivalent to or greater than their working years." Working 'in retirement' might be one partial solution," said Michael Falcon, chief running officer of the Retirement Group at Merrill Lynch-a sponsor of the EBRI study, as well as its own New Retirement Survey.

Keywords: Chris and Susan Beesley, John McLauchlan, make money online in retirement, Matt Lloyd, Matt Lloyd Mobe, passive income in retirement, starting a business at age 40, ultimate retirement breakthrough, ultimate retirement breakthrough review, pension safety net

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