The Retirement Savings Dilemma–Employees Look to Employers for Help
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A survey of full-time workers between 25 and 65, sponsored earlier this year by American Century Investments, puts the much-publicized retirement savings shortfall in perspective. Specifically, the survey concludes that “Nine in 10 participants are troubled by at least a little regret with respect to saving for their future. Eight in ten participants believe they could have saved more in the past, a significant increase from 2015 among 25- to 54-year-olds particularly.”
Given this sentiment, survey respondents went on to indicate that encouragement from employers is welcomed, with nearly three quarters expressing interest in having automatic enrollment in a defined savings plan. Half of the respondents also expressed interest in having this defined savings plan systematically and automatically increase up to a maximum level.
Perhaps an even more telling comment on the attitudes of survey respondents is observation that “two-thirds feel more positive about a company that offers automatic enrollment, automatic increase and target-date investments over a company that does not offer these features.”
Read the full study report here…