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The bull market in U.S. stocks has fattened retirement accounts for millions of older Americans, with many at the top of the income ladder having built up savings that far exceed their expected spending needs.
An analysis by Vanguard researchers on the retirement readiness of baby boomers found that the top 5% of income earners had a savings surplus of almost 30%. The retirement outlook improved for all but the bottom quartile of wage earners, though a savings gap still exists.
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Transamerica Institute finds more middle-class workers expect to fund retirement through 401(k)s and other savings, but financial pressures could derail those plans.
Women take on the majority of caregiving responsibilities for aging parents, often putting their financial futures at risk.
Employees are facing rising financial stress, retirement savings gaps, and competing priorities but new financial wellness trends are emerging to help.
Engaging communication strategies will be key to getting employees interested in evaluating benefit options and making more informed decisions.
Aritificial intelligence is opening new possibilities for retirement plans, but employers remain cautious about risk while working to improve participant outcomes and readiness.
