Retirement Today Today’s retirees face a variety of factors unique to this generation.
Living Longer We are living longer. A retiree turning 65-years old today is expected to fund more than two decades of retirement. And, that’s just the average. 1
1 in 4: 65-year-old men live to 93 1 in 4: 65-year-old women live to 96 1 in 4: 65-year-old married couples one will live to 98 65-year-old married couple: 14% chance one will live to 100
Market Risk The reality is that most people planning to retire in the near future will be impacted by a bear market.
Historically, the average time between bear markets is 3.6 years. 2
Retirement Income Sources
Retirement Income A three-source retirement income structure is considered ideal for financial security, but only 7% of older Americans live this way. 3
Direct Contribution, 3%
Direct Bene t, 4%
Direct Bene t, Direct Contribution, and Social Security, 7%
Direct Contribution and Social Security, 15%
Social Security Only, 40%
Direct Bene t and Direct Contribution, 1%
40% 35%
5% 0% 30% 25% 20% 15% 10%
3
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