SAVING & SPENDING STUDY
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Retirement Saving & Spending Study презентация
Содержание
- 1. Retirement Saving & Spending Study
- 2. Table of Contents Methodology Workers
- 3. Methodology 3,026 working adults 18+ currently contributing
- 4. WORKERS’ 401(k) ACCOUNTS
- 5. Market Value of 401(k) Plan Retirement
- 6. Base: Millennial workers Market Value of 401(k)
- 7. Personal Deferral Rate Retirement Saving and
- 8. 401(k) Contribution Compared With Past 12 Months
- 9. Recommended Contribution Retirement Saving and Spending Study
- 10. Increasing Your 401(k) Contribution Retirement Saving and
- 11. Reasons for Contributing Below the Maximum Retirement
- 12. Major Reasons for Contributing Below the Maximum
- 13. Influence of Match on Contribution Retirement Saving
- 14. Retirement Expectations Retirement Saving and Spending Study
- 15. Base: Workers Social Security By Worker Generation
- 16. AUTO-FEATURES AND TARGET DATE FUNDS
- 17. True of Target Date Funds Retirement Saving
- 18. True of Target Date Funds (cont.) Retirement
- 19. Market Value and Allocation of Assets Retirement
- 20. Satisfaction with Investments Overall Retirement Saving and
- 21. Automatic Enrollment Summary Retirement Saving and Spending
- 22. Opt Out Rate Retirement Saving and Spending
- 23. Base: Total workers who were enrolled automatically
- 24. Attitudes About Automatic Enrollment Retirement Saving and
- 25. Automatic Escalation Retirement Saving and Spending Study
- 26. SPENDING, SAVING, AND ADVICE
- 27. Dealing With Money Retirement Saving and Spending
- 28. Dealing With Money Retirement Saving and Spending
- 29. Dealing With Money (cont.) Retirement Saving and
- 30. Managing Spending Retirement Saving and Spending Study
- 31. Credit Card Spending Retirement Saving and Spending
- 32. Managing Credit Cards Differently Retirement Saving and
- 33. #1 Funding Financial Priority Retirement Saving and
- 34. #1 Funding Financial Priority (cont.) Retirement Saving
- 35. Sources of Funds for Emergency Retirement Saving
- 36. Advised Retirement Saving and Spending Study RSS2
- 37. On Track to Meet Financial Goals
- 38. Financial Well-Being Compared With Parents Compared
- 39. Perceived Job Security Base: Workers How concerned
- 40. PROFILES OF WORKERS WITH 401(k)S: MILLENNIALS, GEN X, AND BABY BOOMERS
- 41. Age Q. 2 How old are
- 42. Size of Organization Retirement Saving and Spending
- 43. Work Status Base: Workers Bearing in mind
- 44. Level of Qualification for Position Base: Workers
- 45. Tenure at Current Employer Base: Millennial workers
- 46. Pay Raise Base: Workers How much of
- 47. Personal and Household Income and Total Debt
- 48. MILLENNIALS WHO ARE ELIGIBLE TO PARTICIPATE IN
- 49. Age Q.B Retirement Saving and Spending
- 50. Gender Base: Millennial workers What is
- 51. Education Base: Millennial workers What is your
- 52. Marital Status Base: Millennial workers What is
- 53. Tenure at Current Employer Base: Millennial workers
- 54. Pay Raise Base: Millennial workers How much
- 55. Student Loan Debt Base: Millennial workers How
- 56. Direction of Debt Base: Millennial workers, have
- 57. Dealing With Money Base: Millennial workers, describes
- 58. Major Reasons for Contributing Below the Maximum
- 59. Financial Well-Being Compared With Parents Base: Millennial
- 60. RETIREES WHO SAVED IN 401(k)S
- 61. Age Average Age 63 How old are
- 62. How Long Ago Retired Base: Retirees; average:
- 63. Work Status Base: Retirees Bearing in mind
- 64. Relative Earnings Base: Retirees working full or
- 65. Relative Hours Base: Retirees working full or
- 66. Rejoined the Workforce Because... Base: Retirees working
- 67. Looking for Work Because... Base: Retirees looking
- 68. Has a Withdrawal Plan Base: Retirees Thinking
- 69. % Investable Assets Withdrawn Base: Retirees; average
- 70. Organizing Retirement Income "Very or Somewhat closely"
- 71. Sources of Retirement Income (Mean %) Base:
- 72. Compared With When Working Base: Retirees Compared
- 73. Proportion of Annual Income Replaced Base: Retirees;
- 74. True of My Retirement Base: Retirees Given
- 75. Financial Well-Being Compared With Parents Note only
- 76. On Track to Meet Financial Goals
- 77. Satisfaction in Retirement Base: Retirees All things
Table of Contents Methodology Workers with 401(k)s: Millennials, Gen X, and Baby boomers Workers’ 401(k) Accounts Auto-features and Target Date Funds Saving, Spending and Advice Profiles
Слайд 2Table of Contents
Methodology
Workers with 401(k)s: Millennials, Gen X, and
Baby boomers
Workers’ 401(k) Accounts
Auto-features and Target Date Funds
Saving, Spending and Advice
Profiles
Millennials who are eligible to participate in their employers’ 401(k) but do not (eligible but not contributing or non-savers)
Retirees who saved in 401(k)s
Workers’ 401(k) Accounts
Auto-features and Target Date Funds
Saving, Spending and Advice
Profiles
Millennials who are eligible to participate in their employers’ 401(k) but do not (eligible but not contributing or non-savers)
Retirees who saved in 401(k)s
Retirement Saving and Spending Study RSS2 © 2015 Brightwork Partners LLC. All rights reserved
Слайд 3Methodology
3,026 working adults 18+ currently contributing to a 401(k) plan or
eligible to contribute and having a balance of $1,000+
1,027 adults retired in the last one to five years with a Rollover IRA or left-in-plan 401(k) balance
Active participants and retirees conducted online February 19 through March 3, 2015
255 Millennials (18–33 years old) working and eligible for a 401(k) plan at current employer but not contributing and do not have a balance in that 401(k)—eligible nonparticipants (ENPs)
Conducted online March 4 through March 25, 2015
1,027 adults retired in the last one to five years with a Rollover IRA or left-in-plan 401(k) balance
Active participants and retirees conducted online February 19 through March 3, 2015
255 Millennials (18–33 years old) working and eligible for a 401(k) plan at current employer but not contributing and do not have a balance in that 401(k)—eligible nonparticipants (ENPs)
Conducted online March 4 through March 25, 2015
Retirement Saving and Spending Study RSS2 © 2015 Brightwork Partners LLC. All rights reserved
Representative national surveys of:
Слайд 5Market Value of 401(k) Plan
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2015 Brightwork Partners LLC. All rights reserved
Base: Workers
Thinking about your 401(k) plan, what would you say is the current market value of
that account?
By Worker Generation
Q.7
Слайд 6Base: Millennial workers
Market Value of 401(k) Plan
Total Millennial Workers by Gender
Thinking
about your 401(k) plan, what would you say is the current market value of that account?
Q.7
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Слайд 7Personal Deferral Rate
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Partners LLC. All rights reserved
Base: Workers, expecting to contribute to their 401(k) (96%)
About what percentage of your personal income does this contribution represent?
By Worker Generation
Q.41
Слайд 8401(k) Contribution Compared With Past 12 Months
Retirement Saving and Spending Study
RSS2 © 2015 Brightwork Partners LLC. All rights reserved
Base: Workers, at employer one year or longer (93%)
As a percentage of your income, how does that compare with the past 12 months?
By Worker Generation
Q.40
Слайд 9Recommended Contribution
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LLC. All rights reserved
Base: Workers
As far as you know, what percentage of your income do financial experts typically recommend someone your age save to make sure you have a comfortable retirement?
Q.42
Слайд 10Increasing Your 401(k) Contribution
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Base: Workers, “absolutely certain or very likely"
How likely would you be to increase the proportion of your income you contribute to your 401(k) if...
Q.43
Слайд 11Reasons for Contributing Below the Maximum
Retirement Saving and Spending Study RSS2
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Base: Workers, contributing below the maximum allowed to 401(k) (89%)
As you probably know, you are contributing less to your 401(k) than the IRS permits you to defer from income. Please indicate below the extent to which any of the items below are a reason for this.
Q.44
Слайд 12Major Reasons for Contributing Below the Maximum
Retirement Saving and Spending Study
RSS2 © 2015 Brightwork Partners LLC. All rights reserved
Base: Workers, contributing below the maximum allowed to 401(k) (89%)
As you probably know, you are contributing less to your 401(k) than the IRS permits you to defer from income. Please indicate below the extent to which any of the items below are a reason for this.
Q.44
Слайд 13Influence of Match on Contribution
Retirement Saving and Spending Study RSS2 ©
2015 Brightwork Partners LLC. All rights reserved
Base: Workers, expecting an employer match (86%)
To what extent is your contribution rate determined by this match? You set your contribution rate...
Q.46
Слайд 14Retirement Expectations
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LLC. All rights reserved
Base: Workers
Given the retirement savings you have in place right now and the rate at which you are adding to those savings, which of the statements below do you expect will be true for you in retirement?
Q.53
Слайд 15Base: Workers
Social Security
By Worker Generation
To what extent do you agree
or disagree with each of the following statements about Social Security? "I expect Social Security to go bankrupt before I retire."
Q.38
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Слайд 17True of Target Date Funds
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2015 Brightwork Partners LLC. All rights reserved
Base: Own target date funds (38%), excluding not applicable
As far as you know, which of the following statements are true and which are not true of the target date funds you hold?
Q.83
Слайд 18True of Target Date Funds (cont.)
Retirement Saving and Spending Study RSS2
© 2015 Brightwork Partners LLC. All rights reserved
Base: Own target date funds (38%), excluding not applicable
As far as you know, which of the following statements are true and which are not true of the target date funds you hold?
Q.83
Слайд 19Market Value and Allocation of Assets
Retirement Saving and Spending Study RSS2
© 2015 Brightwork Partners LLC. All rights reserved
Mean values unless otherwise indicated
Please indicate the current market value of these assets held by you or by other members of your household. Of this total, please indicate the percentage held in…
Q.77-81
Слайд 20Satisfaction with Investments Overall
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All things considered, how satisfied are you with:
Q.84
Слайд 21Automatic Enrollment Summary
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Partners LLC. All rights reserved
As far as you recall, did you make a positive decision to enroll in your current 401(k) plan or were you enrolled automatically with the choice to opt out? As far as you recall, at what contribution rate were you automatically enrolled?
Q.47, 48
Base: Workers enrolled automatically (15%)
Слайд 22Opt Out Rate
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Partners LLC. All rights reserved
Base: Workers enrolled automatically (15%)
At what contribution rate do you think you would have opted out instead of enrolling?
Q.49
Слайд 23Base: Total workers who were enrolled automatically with the choice to
opt out
Note choices in Q49 were limited to 1+ the value provided in Q.48 in increments of 1 up to 10% or more.
Automatic Enrollment Rate by Rate Would Have Opted Out
Millennial Workers By Rate Would Have Opted Out Instead of Enrolling
At what contribution rate do you think you would have opted out instead of enrolling?
Q.48
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Слайд 24Attitudes About Automatic Enrollment
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Brightwork Partners LLC. All rights reserved
Base: Workers enrolled automatically (15%), “agree completely or somewhat"
Please indicate the extent to which you agree or disagree with each of the statements below about automatic enrollment in 401(k) plans.
Q.51
Слайд 25Automatic Escalation
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LLC. All rights reserved
Base: Workers
Is your contribution rate set at its current level unless you change it, or does it go up automatically each year unless you stop it?
Q.50
Слайд 27Dealing With Money
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Partners LLC. All rights reserved
Please indicate how accurately each of the following statements describes you when it comes to money.
Q.12
Слайд 28Dealing With Money
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Partners LLC. All rights reserved
Describes me “very or somewhat accurately"
Q.12
Please indicate how accurately each of the following statements describes you when it comes to money.
Слайд 29Dealing With Money (cont.)
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Describes me “very or somewhat accurately"
Please indicate how accurately each of the following statements describes you when it comes to money.
Q.12
Слайд 30Managing Spending
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LLC. All rights reserved
"True"
When it comes to managing spending, which of the following statements are true or not true for you?
Q.15
Слайд 31Credit Card Spending
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Partners LLC. All rights reserved
In the year ahead, do you expect to manage your credit card spending and debt about the same way you managed it in the past year, or do you expect do manage your credit cards and credit card debt differently?
Q.13
Слайд 32Managing Credit Cards Differently
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Base: Expect to manage credit cards differently (25%)
Please indicate below how you expect to manage your credit card spending and debt in the year ahead.
Q.14
Слайд 33#1 Funding Financial Priority
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Base: Workers, ranked at least one item (98%)
In terms of how your household is funding financial priorities this year, please rank which of the items below comes first, which comes second, which third and so on until the end of the list. If an item does not apply to you or isn’t a priority at all, enter a rank of zero..
Q.55
Слайд 34#1 Funding Financial Priority (cont.)
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2015 Brightwork Partners LLC. All rights reserved
Base: Workers, ranked at least one item (98%)
In terms of how your household is funding financial priorities this year, please rank which of the items below comes first, which comes second, which third and so on until the end of the list. If an item does not apply to you or isn’t a priority at all, enter a rank of zero..
Q.55
Слайд 35Sources of Funds for Emergency
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If you suddenly faced an emergency that required more cash than you had on hand, to which of the following sources of funds would you turn?
Q.19
Слайд 36Advised
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All rights reserved.
Do you currently have (In the past five years, have you had) a relationship with a professional financial advisor—that's someone you pay either through fees or commissions—to assist you in financial decisions, financial product selection, planning your retirement income or in selecting providers of financial services? To be clear, this could be either a traditional advisor or a so-called robo advisor (that’s to say an online, algorithm-driven, low-cost advice platform with limited personal interaction such as Betterment or WealthFront) or both?
Q.27, 28
Слайд 37On Track to Meet Financial Goals
All things considered, how comfortable are
you that you are on track to meet your financial goals?
Q.31
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Слайд 38Financial Well-Being Compared With Parents
Compared with how your parents lived when
they were the age you are now, would you say you are:
Q.30
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Слайд 39Perceived Job Security
Base: Workers
How concerned are you that you may lose
your job in the next 12 months:
Q.32
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Слайд 41Age
Q. 2
How old are you?
Q.2
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Слайд 42Size of Organization
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Partners LLC. All rights reserved.
Base: Millennial workers
If you had to guess, about how many people work for your employer at all levels and in all locations across the United States?
Слайд 43Work Status
Base: Workers
Bearing in mind some people retire and go back
to work, which one of the following phrases best describes your work situation?
Q.1
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Слайд 44Level of Qualification for Position
Base: Workers
How would you describe the fit
between your skills, education, and experience and your current job?
Q.58
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Слайд 45Tenure at Current Employer
Base: Millennial workers
About how long have you worked
for your current employer?
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Слайд 46Pay Raise
Base: Workers
How much of a raise (as a percent), if
any, did you get in the past 12 months?
Q.35
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Слайд 47Personal and Household Income and Total Debt
Total Workers by Generation
Retirement
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Слайд 48MILLENNIALS WHO ARE ELIGIBLE TO PARTICIPATE IN THEIR EMPLOYERS’ 401(k) BUT
DO NOT
(ELIGIBLE NOT CONTRIBUTING OR
NON-SAVERS)
Слайд 49Age
Q.B
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All rights reserved.
Слайд 50Gender
Base: Millennial workers
What is your gender?
Q.A
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Слайд 51Education
Base: Millennial workers
What is your education level?
Q.103/ (ENP Q.48)
Retirement Saving and
Spending Study RSS2 © 2015 Brightwork Partners LLC. All rights reserved.
Слайд 52Marital Status
Base: Millennial workers
What is your marital status?
Q.102/ (ENP Q.47)
Retirement Saving
and Spending Study RSS2 © 2015 Brightwork Partners LLC. All rights reserved.
Слайд 53Tenure at Current Employer
Base: Millennial workers
About how long have you worked
for your current employer?
Q.57/ (ENP Q.31)
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Слайд 54Pay Raise
Base: Millennial workers
How much of a raise (as a percent),
if any, did you get in the past 12 months?
Q.35/ (ENP Q.20)
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Слайд 55Student Loan Debt
Base: Millennial workers
How much debt does your household have
when it comes to student loans?
Q.93/ (ENP Q.39)
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Слайд 56Direction of Debt
Base: Millennial workers, have $1,000 or more in debt
Thinking
about this debt all together, that’s home equity loans, car loans, credit card debt, student loans and other consumer credit, how does that amount compare to a
year ago?
Q.94/ (ENP Q.40)
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Слайд 57Dealing With Money
Base: Millennial workers, describes me “very accurately"
Please indicate how
accurately each of the following statements describes you when it comes to money.
Q.12/ (ENP Q.9)
Retirement Saving and Spending Study RSS2 © 2015 Brightwork Partners LLC. All rights reserved.
Слайд 58Major Reasons for Contributing Below the Maximum
Base: Millennial workers, not contributing
or expect to contribute below the maximum allowed to 401(k)
As you probably know, you are contributing less to your 401(k) than the IRS permits you to defer from income. Please indicate below the extent to which any of the items below are a reason for this.
Q.44/ (ENP Q.28)
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Слайд 59Financial Well-Being Compared With Parents
Base: Millennial workers
Compared with how your parents
lived when they were the age you are now, would you say you are:
Q.30/ (ENP Q.16)
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Слайд 61Age
Average Age 63
How old are you?
Q.38
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Слайд 62How Long Ago Retired
Base: Retirees; average: 2.7 years, median 3.0 years
About
how long ago did you retire:
Q.8
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Слайд 63Work Status
Base: Retirees
Bearing in mind that some people retire and then
go back to work, which one of the following phrases best describes your work situation?
Retired but now
working (22%)…
Q.1
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Слайд 64Relative Earnings
Base: Retirees working full or part-time (22%)
Hour-for-hour worked, how much
money do you make today compared with what you made before you retired?
Q.64
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Слайд 65Relative Hours
Base: Retirees working full or part-time (22%)
In terms of hours,
are you:
Q.65
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Слайд 66Rejoined the Workforce Because...
Base: Retirees working full or part-time (22%)
When you
rejoined the workforce after retiring did you do so:
Q.66
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Слайд 67Looking for Work Because...
Base: Retirees looking for work (9%)
Are you looking
for work:
Q.67
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Слайд 68Has a Withdrawal Plan
Base: Retirees
Thinking about your investable assets—that’s your stocks,
stock mutual funds, bonds, bond mutual funds, asset allocation funds including target date funds, money market mutual funds and other cash equivalents whether held in a 401(k), an Individual Retirement Account or outside the workplace savings system and any savings and checking accounts you may have—do you have a withdrawal plan under which you withdraw and use as income a certain portion of these assets each year?
Q.70
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Слайд 69% Investable Assets Withdrawn
Base: Retirees; average 5.5% (excluding none)
About what percentage
of your investable assets did you withdraw in the past 12 months?
Q.71
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Слайд 70Organizing Retirement Income
"Very or Somewhat closely" Base: Retirees
Here are several ways
of organizing income in retirement. For each, please indicate how closely it describes your situation.
Q.72
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Слайд 71Sources of Retirement Income (Mean %)
Base: Including none, items sum to
100%
Approximately what percentage of your household income do you expect this source to provide in retirement? Approximately what percentage of your household income does this provide?
Q.37, 63
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Слайд 72Compared With When Working
Base: Retirees
Compared with when you were working, would
you say you are now:
Q.61
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Слайд 73Proportion of Annual Income Replaced
Base: Retirees; Average: 67%
About what proportion of
the annual income this household had before you retired does this household have today?
Q.68
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Слайд 74True of My Retirement
Base: Retirees
Given your savings, income, and expenditures, which
of the following statements are true of your retirement?
Q.69
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Слайд 75Financial Well-Being Compared With Parents
Note only asked of retirees in 2014
Base:
Retirees
Compared with how your parents lived when they were the age you are now, would you say you are:
Q.30
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Слайд 76On Track to Meet Financial Goals
All things considered, how comfortable are
you that you are on track to meet your financial goals?
Q.31
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Слайд 77Satisfaction in Retirement
Base: Retirees
All things considered, how satisfied would you say
you are with your retirement so far:
Q.60
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