File Outline Insight

Hiding Behind the Averages

Our retirement research results look beyond the surface to challenge conventional wisdom and gain insights for stakeholders to take action.

A beautiful green cliff towers above the ocean underneath.

Key takeaways

  • Having a balance of guaranteed and nonguaranteed retirement income sources is related to a more positive outlook on retirement.
  • Managing savings sources helps maximize retirement income by focusing on tax-efficient ways to draw income.
  • Having a retirement savings goal can help in achieving a retirement target, but people often adjust their retirement date or spending in retirement—by force or by choice.
  • Social Security and Medicare are complicated; near-retirees can plan ahead and enlist experts to maximize their benefits.
  • Additional support can improve planning and outcomes for underserved segments, including women, African Americans, and Hispanics.
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