근로자 과반수 이상이 은퇴후 대비 자산이 전혀 없습니다

근로자의 과반수 이상이 은퇴후를 대비한 자산이 전혀없다고 합니다.

미국워싱턴에 소재한 비영리연구소 NIRS(National Institute on Retirement Security)는 미국의 근로가능한 연령대 인구가 약 1억명인데 이중에 57%가 은퇴후를 대비한 자산이 전혀없다라는 조사결과를 발표했습니다.

55세부터 64세 근로자의 68%가 보유하고 있는 은퇴대비 자산은 단지 일년 연봉(약 4만달러) 수준인데 은퇴후 기본적인 생활을 유지하는 데에는 턱없이 부족한 수준입니다.

근로자의 77%는 67세까지 일을 한다고 해도 은퇴자산이 본인이 예상하는 최소한의 수준에 미달할 거라고 합니다.

 

출처: http://www.pionline.com/article/20180918/ONLINE/180919833/majority-of-working-age-americans-have-no-retirement-savings-8211-nirs-report

 

Majority of working-age Americans have no retirement savings – NIRS report

By Robert Steyer · September 18, 2018 2:03 pm · Updated 2:17 pm

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The median retirement account balance among working-age Americans is zero, according to a research report by the National Institute on Retirement Security, a non-profit research group based in Washington.

Using U.S. Census Bureau data, the institute also found 57% of working-age Americans — more than 100 million people — don't have retirement assets in an employer-sponsored defined contribution plan, pension plan or individual retirement account.

"Retirement is in peril for most working-class Americans," Diane Oakley, the report's author and NIRS executive director, said in a news release Monday.

 

The report found about 80% of working Americans have less than one year's income saved in retirement accounts. "Also, 77% of Americans fall short of conservative retirement savings targets for their age based on working until age 67, even after counting an individual's entire net worth — a generous measure of retirement savings," the news release said.

The NIRS report noted that even among retirement account savers, the typical worker had a balance of just $40,000.

"This is far off track from the savings levels Americans need if they hope to sustain their standard of living in retirement," Ms. Oakley said.

The report added 68% of individuals ages 55 to 64 have retirement savings "equal to less than one time their annual income, which is far below what they will need to maintain their standard of living over their expected years in retirement."