Retirement by the Numbers

Our retirement system is working well for most American workers. Here are some key findings from ICI’s research.

Learn more about our retirement research.

Myths vs. Facts

There are a lot of misconceptions about how America's retirement system works.
Let's look at some of the most common myths.

America faces a retirement crisis.

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America's retirement system is stronger than many people think. It’s helped millions of retirees maintain their standard of living.

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Today's retirees are worse off than previous generations.

Near-retirees’ pension wealth has increased with each successive generation. And the majority of those who retired in recent years have either maintained or increased their spendable income as they transitioned to retirement, according to a new analysis of IRS data.

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The decline of traditional “defined benefit” pensions has made it harder to retire.

FACT

The share of near-retirees with retirement resources is virtually unchanged since 1989, despite the decline in private-sector defined benefit plans. Comprehensive studies have concluded that defined contribution plans, such as 401(k) plans, can increase retirement resources for households across the income spectrum.

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Read more myths and facts.

Tips for Savers

Did you know that Americans have saved $32 trillion for retirement?
Here are some tips that can help you be a part of this robust retirement savings system.

Enroll

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Max out the
employer match

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Determine your investment approach

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Preserve your
nest egg

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Stick with it

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Contribute More to Catch Up

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Plan ahead

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Save for retirement even without a 401(k)

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Read more tips for savers.

Additional Resources

ICI is a leader in research on the US retirement system. See below for more information on our publications and work.

Investment Company Fact Book

Each year ICI publishes its Fact Book, which provides key data on America’s retirement system.

Visit the Fact Book online »

ICI Education Foundation (ICIEF)

ICIEF works to develop, deliver, and promote investment education programs.

Learn more at www.icief.org »

ICI Retirement Resource Center

Drawing on data and analysis, this resource center highlights key points about the US retirement system.

Visit our resource center today »

ICI Media Contacts
 

For media inquiries regarding this site, please contact a member of ICI's media relations team.

View ICI’s media relations contacts »

About ICI

The Investment Company Institute (ICI) is the leading association representing regulated funds globally, including mutual funds, exchange-traded funds (ETFs), closed-end funds, and unit investment trusts (UITs) in the United States, and similar funds offered to investors in jurisdictions worldwide. ICI seeks to encourage adherence to high ethical standards, promote public understanding, and otherwise advance the interests of funds, their shareholders, directors, and advisers. ICI carries out its international work through ICI Global, with offices in London, Hong Kong, and Washington, DC.