Workers and retirees know what they should be doing to prepare for retirement but when it comes to action, neither group is prepared, according to the Voya Retire Ready Index devised by Voya Financial, Inc. and based on two surveys conducted by Greenwald & Associates.

The surveys, conducted in July 2014, gauged how ready both groups were for retirement by looking at the three main components of retirement preparation: knowledge, planning and having.  

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