The Changing Face of Retirement
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infographic utilizing data in article
title could be similar to your golden years will depend on your willingness to taking financial planning into your own hands
I expect the infographic to visually represent the statictics in this article
The Changing Face of Retirement
POSTED ON APRIL 29, 2015 BY IALC
Retirement in America is changing.
What was once all but guaranteed by pensions and retirement plans, a comfortable and secure retirement is now increasingly the responsibility of the individual. Retirement today takes all shapes and sizes – from the couple enjoying adventures and grandchildren to the widow struggling to make ends meet.
This week, the Indexed Annuity Leadership Council unveiled a new initiative that examines the widely varying retirement experience across America. The project, the Changing Face of Retirement, weaves together recently released survey data, regional and personal experiences and expertly comprised photos to paint a realistic view of modern-day retirement. One common denominator we found across the regions and through the survey data: regardless of where you live and who you are, your golden years will depend on your willingness to taking financial planning into your own hands.
IALC conducted in-depth polling to better understand American attitudes toward retirement. Families across the country were interviewed to learn more about their personal experience, providing an intimate perspective on how the retirement experience changes from region to region and across the economic scale.
The Changing Face of Retirement discovered several key findings:
Only 41 percent of those ages 54 and under plan to retire before 67;
Sixty three percent of those 55 years and older said they plan to work past 67 for financial reasons;
Fifty four percent of participants have never spoken with a financial adviser and an even larger amount of those between 18 and 34, 65 percent, have not gotten such advice;
Further, 66 percent of those with incomes under $55,000 per year and 77 percent of the unemployed have never spoken with an adviser. The people who presumably would need advice the most;
Confidence in traditional retirement support is weakening. Only 26 percent of people between 18 and 34 plan to rely on Social Security compared to 48 percent of those 55 and older
Conversations with families and individuals in Sun City, Arizona; Brooklyn, New York; Minneapolis, Minnesota and Naples, Florida provided the Changing Face of Retirement with a personal, even gritty reality that stands in stark contrast to the overly romanticized view of retirement shared by so many. The diversity of their experiences makes it clear that a comfortable retirement is not something that is stumbled upon, but achieved.
What does this mean for you? At the end of the day, retirement is the result of your willingness to plan ahead, work hard and spend time thinking about what exactly you want your golden years to entail. It’s crucial to think about what you want your retirement portfolio to look like – by building one that is diverse and emphasizes guaranteed lifetime income, retirement is not something to be feared, but to be appreciated. A Fixed Indexed Annuity (FIA) is a great example of a secure vehicle to consider in a savings portfolio, so that a meaningful and long-lasting retirement is something attainable.
To learn more, visit [login to view URL] and check with your financial professional to determine if a fixed indexed annuity is right for you.
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