Retirement Calculators and Planners Needed For Most Americans As 43% Have Under $10,000 for Retirement
New York, NY – A recent survey by the Economic Benefit Research Institute, EBRI, found that 43% of working Americans have less than $10,000 saved for retirement. The percentage jumped from 39% in 2009, representing the third year in a row the survey resulted in a greater percentage with nearly nothing in retirement savings.
Another shocking statistic included people with $1,000 saved for retirement at 27%, up from 20% in 2009.
The survey showed the number of people who have delayed retirement in the past year has grown to 24% from 14% the previous year. Obvious factors affecting the decision to delay retirement are the recent increase in job losses and the stock market crash of 2008.
Retirement Planners may welcome the apparent untapped market for retirement consulting opportunities. A disturbingly high number of people stated that they have not calculated the level of savings required for retirement. The survey found only 46% of the respondents had ever tried to calculate the amount needed to retire in a relatively secure manner.
Traditional financial planning states that people should save enough to replace 80% of their pre retirement income. The generally accepted level of saving rate to achieve a secure retirement is 10% of salary according to most retirement financial planners.
The EBRI survey included 1,153 U.S. workers and retirees, age 25 and older, in January 2010.
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