{"id":108235,"date":"2021-10-22T10:00:00","date_gmt":"2021-10-22T14:00:00","guid":{"rendered":"https:\/\/ibkrcampus.com\/?p=108235"},"modified":"2023-01-19T15:16:53","modified_gmt":"2023-01-19T20:16:53","slug":"ready-or-not-lifetime-income-and-other-retirement-readiness-drivers","status":"publish","type":"post","link":"https:\/\/www.interactivebrokers.com\/campus\/traders-insight\/securities\/retirement\/ready-or-not-lifetime-income-and-other-retirement-readiness-drivers\/","title":{"rendered":"Ready or Not? Lifetime Income and Other Retirement Readiness Drivers"},"content":{"rendered":"\n

It\u2019s well studied that factors like debt and financial uncertainty impact the way people feel about retirement and prepare for it. In this series, BlackRock explores insights from our 2021 DC Pulse research and additional work with the Employee Benefit Research Institute (EBRI)<\/em> to recognize inequities and find ways to build a better retirement for all.<\/em><\/p>\n\n\n\n

Saving for retirement is a decades-long endeavor with factors \u2013 both excepted and unexpected \u2013 that can affect confidence and preparedness. Even though much of the conversation has centered around amassing a nest egg, it\u2019s also important to look at what else can be done to improve retirement readiness for all.<\/p>\n\n\n\n

Recent research conducted by BlackRock as well as the Employee Benefit Research Institute (EBRI) Retirement Confidence Survey<\/a> both offer insight into the factors that are holding people back from their retirement goals. It\u2019s important to examine, because according to the EBRI data, few people say other financial goals are more important than saving for retirement.<\/p>\n\n\n\n

While 2020 brought a pandemic, market volatility and job losses, retirement confidence for many remains high and steady. BlackRock\u2019s 2021 DC Pulse<\/a> survey revealed that 7 in 10 retirement plan participants felt \u201con track\u201d with their savings to retire with the lifestyle they want. There\u2019s more beneath the surface, though. A deeper look reveals that despite this rosy outlook from participants broadly, some are left behind.<\/p>\n\n\n\n

A better retirement for all is an equitable one, and today\u2019s differences across gender and racial lines are stark. For instance, BlackRock\u2019s DC Pulse study found that women are nearly 20% less likely to report they are \u201con track\u201d for retirement compared to men, with concerns around outliving their savings having major influence.<\/p>\n\n\n\n

The EBRI survey also showed that both male and female Black and Hispanic people are significantly less likely to have saved for retirement at all, a trend that\u2019s true across all income levels for those two groups, but quite significant in lower income quartiles. Even among people earning more than $75,000 a year, the EBRI data found that 89% of white people reported saving for retirement compared to 84% of Hispanic people and 78% of Black people.<\/p>\n\n\n\n

Expanding access to income in retirement<\/h2>\n\n\n\n

One of the easiest ways to help broadly increase retirement readiness is to ensure that more people have access to plans in order to prepare. EBRI data revealed that people who were invested in a workplace retirement plan were much less impacted by the pandemic than those that lacked access. Having a plan helps instill strong savings habits that last, even in the face of events like market volatility.<\/p>\n\n\n\n

That opportunity to save through a workplace retirement savings plan differs significantly across income groups though. 87% of people who earned over $75,000 a year had access to a retirement plan through their employer, compared to only 45% who made less than $35,000. Lower income and part-time workers are often left to figure out retirement on their own, an issue that could partially be addressed with legislation in the future.<\/p>\n\n\n\n

Of those that are offered a workplace retirement savings plan, more than four in five workers say they are satisfied with the benefit according to EBRI data. But even if they have access to a plan, most participants simply aren\u2019t sure how to calculate the amount they may need and how to make it last.<\/p>\n\n\n\n

One thing that is known according to the surveys: how guaranteed lifetime income is associated with higher confidence and satisfaction. Improving on the offerings within workplace retirement plans can increase readiness without burdening savers. In fact, it may even allow participants to focus on other financial obstacles currently preventing them from saving more for their future.<\/p>\n\n\n\n

DC Pulse reveals that 8 in 10 participants say it would be helpful if their employer provided secure income generating options in their workplace retirement savings plan. And 89% even agree that knowing they\u2019ll have guaranteed income in retirement would positively impact their well-being today.<\/p>\n\n\n\n

The EBRI data is consistent. It finds 75% of workers currently contributing to their plan would like to invest in an option that guarantees monthly income for life in retirement. That sentiment is consistent across race, income, and generation.<\/p>\n\n\n\n

Enhancing the well-being of savers is a challenge more and more employers are focused on. 96% of those surveyed in DC Pulse agree they feel responsible for the retirement preparedness of their workforce.<\/p>\n\n\n\n

We know that short-term requirements also tend to take precedence over retirement and its long horizon.<\/p>\n\n\n\n

One top of mind concern with major impact is emergency savings. BlackRock\u2019s research highlights the importance of that safety net. Nearly half of all people say their short-term savings and being secure today makes them more confident about the long-term and their financial future.<\/p>\n\n\n\n

Having this foundation in place plays a major role in increasing retirement readiness. We know from DC Pulse that 56% of participants would save more for retirement if they had an emergency savings fund set aside.<\/p>\n\n\n\n

By addressing retirement income \u2013 and other readiness concerns — people can focus on building a safety net and a strong financial foundation. With that, they can better prepare for retirement.<\/p>\n\n\n\n

—<\/p>\n\n\n\n

Originally Posted October 12, 2021 – Ready or Not? Lifetime Income and Other Retirement Readiness Drivers<\/a><\/p>\n\n\n\n

\u00a9<\/sup> 2021 BlackRock, Inc. All rights reserved.<\/p>\n\n\n\n

The BlackRock DC Pulse Survey is a research study of 225 large defined contribution plan sponsors in addition to over 1,000 plan participants and 300 retired participants in the U.S. The survey is executed by Escalent, Inc, an independent research company. All respondents were interviewed using an online survey conducted in March 2021.

BlackRock is a cosponsor of the Retirement Confidence Survey (RCS) conducted by the Employee Benefit Research Institute (EBRI) and Greenwald Research. The 2021 survey of 3,017 Americans was conducted online January 5 through January 25, 2021. The survey included 1,507 workers and 1,510 retirees\u2014which includes an oversample of roughly 500 completed surveys among Black Americans and roughly 500 completed surveys among Hispanic Americans.

This material is provided for educational purposes only and should not be construed as research. The information presented is not a complete analysis of the global retirement landscape.

The opinions expressed herein are subject to change at any time due to changes in the market, the economic or regulatory environment or for other reasons. The material does not constitute investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. The opinions expressed may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by BlackRock, Inc. and \/ or its subsidiaries (together, \u201cBlackRock\u201d) to be reliable. No representation is made that this information is accurate or complete. Reliance upon information in this material is at the sole discretion of the reader.

None of the information constitutes a recommendation by BlackRock, or an offer to sell, or a solicitation of any offer to buy or sell any securities, product or service. The information is not intended to provide investment advice. BlackRock does not guarantee the suitability of potential value of any particular investment. The information contained herein may not be relied upon by you in evaluating the merits of investing in any investment.

Investing involves risk, including possible loss of principal.<\/strong><\/p>\n\n\n\n

\u00a9<\/sup> 2021 BlackRock, Inc. All Rights Reserved. BLACKROCK<\/strong> is a trademark of BlackRock, Inc. or its subsidiaries in the United States and elsewhere. All other trademarks are those of their respective owners.<\/p>\n\n\n\n

MKTGM1021U\/S-1871607<\/p>\n","protected":false},"excerpt":{"rendered":"

Saving for retirement is a decades-long endeavor with factors \u2013 both excepted and unexpected \u2013 that can affect confidence and preparedness.<\/p>\n","protected":false},"author":186,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[15,6,8,178,9,26,3],"tags":[5604],"contributors-categories":[13587],"class_list":["post-108235","post","type-post","status-publish","format-standard","category-fixed-income","category-north-america","category-region","category-retirement","category-securities","category-text-articles","category-traders-insight","tag-retirement-saving","contributors-categories-blackrock"],"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"yoast_head":"\nReady or Not? 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