Low interest rates are delivering a mighty blow to just about everyone's retirement readiness.

People across all but the lowest income quartile are projected to take a significant hit from today's historically low interest rates if they wind up being permanent, according to research from the Employee Benefit Research Institute. If interest rates remain low, more than one in four baby boomers and Gen Xers - who otherwise would have had adequate retirement income - are projected to run out of money in retirement.

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