Global

RetirementReality

Report2025

BridgingtheConfidenceGap

TableofContents

3TurningOptimismIntoRetirementReadinessAletterfromYie-HsinHung,PresidentandCEO,StateStreetGlobalAdvisors.

4

UnderstandingthePressuresandtheOpportunity

Explorethestructural,economic,andbehavioralshifts

affectingretirementecosystemsaroundtheworld—andthecaseforinstitutionalaction.

7

GlobalRetirementRealityReport2025FindingsandAnalysis

Ourstudyrevealstheforcesshapingsaversentiment,savingsbehaviors,incomeexpectations,andfinancialprioritiesacrossglobalmarkets.

19BridgingtheRetirementConfidenceGap—Together

Turnfindingsintoactionwithpracticalrecommendationstohelpstrengthenplandesign,boostsaverengagement,andimproveoutcomes.

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TurningOptimism

IntoRetirementReadiness

Yie-HsinHung

PresidentandCEO

StateStreetGlobalAdvisors

AtStateStreetGlobalAdvisors,

weareproudtopartnerwith

institutionsaroundtheworldto

helpmillionsofsaversprepareforasecureandconfidentretirement.

Andinanenvironmentwhere

changeanduncertaintyremain

constant,retirementplanninghasneverbeenmoreimportant.

Our2025globalsurveyrevealsahopefulpicturebroadly:saversaremoreoptimisticabouttheir

retirementprospectsnowthanin2023.Yet

beneaththatconfidence,therearerealconcerns—fromtheimpactofinflationandthebroader

economicenvironment,tohowmuchtheyneedtosaveandhowtoensureareliableincome

streaminretirement.

Thisunderscoresthecriticalrolethatinstitutions

—andpartnerslikeus—mustplayinhelping

saversbridgethegapbetweenconfidenceand

trueretirementreadiness.Together,wecanoffer

theguidance,tools,andinvestmentsolutions

participantsneedtohelpthemturntheirretirementhopesintoreality.

Thankyouforyourcontinuedtrust.We’re

proudtoworkalongsideyoutosupporttheevolvingneedsoftoday’sretirementsavers.Welookforwardtocontinuingthisimportantworktogether.

Withwarmregards,

Yie-HsinHung

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andtheOpportunity

g

Theretirementlandscapeisevolving,

shapedbyanagingpopulation,economicuncertainty,andshiftingpersonalgoals.Ascomplexitycontinuestounfold,

findoutwhatstepsyoucantakenowtohelpsaversprepareforwhat

liesahead.

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WhyRetirementReadinessDemandsAttentionNow

Definedcontribution(DC)planshavebecomethe

dominantretirementvehicleinmarketsliketheUS(69%)andAustralia(89%),withgrowingadoptioninCanada

(44%)andtheUK(27%)1—placinggreaterresponsibilityontheseplanstosupportlong-termfinancialsecurity

inanincreasinglycomplexworld.

“Today’sworkersarenavigatingretirementplanninginan

eraofstructuraleconomic

uncertainty—requiringnewtools,newstrategies,and

strongerinstitutionalsupport.”

DanielleGladstone

HeadofParticipantEngagement

DCplansandadvisorsarenavigatingasetofstructuralandeconomicforcesthataremakingitharderfor

workerstoprepareforretirementconfidently.Inflationcontinuestochallengepurchasingpower.Housingandhealthcarecostsweighheavilyacrossagegroups.

Careerpathshavebecomemoredynamic,makingconsistentplanaccessandlong-termsavingsmoredifficulttomaintain.

Yetamidthesepressuresliesanopportunitytoreassess,reimagine,andreinforcethesystems

thatsupportlong-termfinancialsecurity.The

institutionalroleisevolving:fromprovidingaccess

toplans,toactivelyshapingbetteroutcomesthroughsmarterdefaults,holisticfinancialwellness,and

personalizedguidance.

Nowmorethanever,retirementproviderscanact

aspowerfullevers,helpingsaversturnuncertainty

intoreadinessandoptimismintorealfinancialresilience.

Figure1

ForcesReshapingGlobalRetirementSystems

Challenge

WhyItMatters

DemographicShifts

Agingpopulationsareplacingnewdemandsonretirementsavings.Withmorepeoplelivinglonger,there’snewpressuretofunda

retirementthatmaylastdecades.

17%oftheglobalpopulationwillbeage65+in20502

EconomicPressures

Inflationandmarketvolatilityarechippingawayatrealreturns,

whilehousing,healthcare,andstudentdebtmakeitharderformanytoprioritizesaving.

45%worryaboutinflationimpactingretirement3

Evolving

WorkModels

Retirementisbecominglesslinear.Someindividualsareworkinglongerorphasingintoretirement,whileothersretireearlyduetohealthissuesorcare-givingresponsibilities—increasingthecomplexityofincome

planningandworkerengagement.

25%plantopartiallyretire4

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ConfidenceDoesNotEqual

Preparedness:TheInstitutional

Imperative

Thisyear’s

GlobalRetirement

RealityReport

findingsuncoveredaslightuptickinsaversfeeling

generallyoptimisticabouttheir

retirementprospects.Butdeeperanalysisrevealsacleardissonancebetweensentimentandactual

preparedness.

Inmanycases,thisconfidence

isn’tanchoredinrobustplanning

oradequatesavings,butratherinoptimismbiasorlackofawarenessaboutfutureincomeneedsand

longevityrisk.

Thisdisconnectunderscorestheinstitutionalimperative:

confidencealoneisnotareliableindicatorofreadiness.

Retirementprovidersplayacriticalroleinbridgingthe

confidencegapbydeliveringplanarchitecturesthathelpsupportbetterdecisions—bothimplicitlythroughdesign(e.g.,defaultstrategies,guaranteedincomesolutions,

etc.)andexplicitlythroughguidanceandcommunication.

Retirementsaversoftenfacebehavioralandinformationalbarriersthatlimittheirabilitytotranslateintentintoaction.Inertiaremainsapowerfulforce,particularlyinlong-termfinancialdecision-making.DCplanshaveanopportunity

toreducecomplexitywhilefosteringengagement—helpingindividualsmovefrompassiveaccumulationtowardactive,informedpreparationfordecumulationandlong-termincomesustainability.

“Iwasretiredabout10yearsago...

buthadtoreturntowork

fulltimetopaythebills.IhaveasmallsavingsbutnothingIcanliveon.”

M,65+,US

Figure2

TwoDivergingPathstoRetirementOutcomes

FalseRetirementConfidence

1.OptimismBias“IthinkI’llbefine.”

2.Complexity-drivenInertiaConfusingchoicesleadtodoingnothing

3.InadequateSavingsBelowtargetcontributions

4.NoDecumulationPlan

Illfigureitoutlater.

5.PotentialShortfallRiskofoutlivingsavings

TrueRetirementReadiness

1.DefinedGoals

“IknowwhatIneedtoretire.”

2.PersonalizedPlanning

User-friendlyscenariotoolsandadviceutilized

3.SmartDefaults

Auto-enrollmentandescalationapplied

4.IncomeModeling

Clearviewofmonthlyretirementincome

5.TrueReadiness

Retirementalignedtogoals

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1

GR3GlobalRetirementRealityReport,2025BridgingtheConfidenceGap

FindingsandAnalysis

tmentReality

Whileretirementoptimismshowssignsofimproving,sharedconcernspersist—highlightingagapbetweenconfidenceandactualpreparedness.Retirement

providershaveacriticalroletoplayinbridgingthisdivide.

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AbouttheStudy

Since2018,wehavefieldedasurveyexploringhowsaversinworkplaceretirementplansarefeelingabouttheirown

retirement:

—Howconfidentaretheyabouttheirprospectsofachieving

theirgoals?

—Whatisinfluencingtheirviewsorcreatingbarriers?

—Whatdotheyneednowto

helpthemgettowheretheywanttobe?

Eachyear,ourgoalistodeliveractionableinsightsandsolutionsforplans,financialadvisors,andconsultantswhowanttohelpsaversbridgethegapbetweentheirgoalsandtrueretirementpreparedness.

“Iwishthatretirementplanning

couldbemademuchsimpler.

Iworkinafieldwhere110%of

mymentalcapacityisdemandedandIamtootiredtothinkabout

thesethings.Byputtingmore

pressureontheindividuals,whilstalsodemandingmorefromthemintheirworkinglives,thesystemissetupforcatastrophe.”

M,35–44,Ireland

Theannualsurvey,conductedbyYouGovbetween

March20andApril7,2025,askedthesequestionsof

asamplingof4,371respondentsinAustralia,Canada,

Ireland,theUKandtheUS,aged18+,whoareemployedfullorparttime(16+hoursaweek)andparticipating

inanemployer-sponsoredsavingsplan,i.e.,

?DefinedContributionplan/401(k)/403(b)(USonly)

?Mastertrustandmoneypurchase(UKandIrelandonly)

?Superannuationplan(Australiaonly)

?RRSPemployer-sponsoredretirementsavingsplan(Canadaonly)

Gender,age,andregionalquotaswerebalancedtoreflecttheemployedpopulationineachcountry.*

“I’dlovetoretirecomfortably,

travel,andspendtimewithlovedones.Togetthere,Ineedhelp

withfinancialplanningand

discipline,plussomeguidance

oninvestingandsavingstrategies.Aclearroadmaptoretirement

wouldbeamazing!”

M,35-44,Ireland

*825respondentsrepresentedsaversinIreland.608ofthosewerealreadysavinginaDCplan,217werenot.Thefindingsinthisreportrepresenttheviewsof608respondentsalreadysavinginDCplans.

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ExecutiveSummary

Figure3

2025RetirementThemes:What’sEmerging,What’sEvolving

Ourglobalsurveyofworkplace

retirementplansaversreveals

nuancedviewsonretirement

confidence,incomeplanning,

andpreparedness.Whileoptimismisgrowinginsomecountries,

significantgapsinplanning,

incomeexpectations,andaccesstoadviceremain.

Saverscitebothmacroeconomicpressuresandpersonalfinancialhabitsasinfluentialintheir

outlook.Acrossgeographies,

demandforstructuredretirementincomesolutionsandtrusted

financialguidanceishigh.

Whileincreasesinsavers’levelsofoptimismarebroadly

encouraging,oursurveyresultsshowthattoday’sworkersareconfrontinganewretirementreality—onewhere

traditionalassumptionsandaspirationsmaynolonger

hold,andwhereconfidencedoesn’tequatetoreadiness.

Saversreporthightrustinthosewhoadviseonand

maintaintheirretirementplans.Astrustedpartners,

wemusthelpworkersbridgethatgapthroughrobust

education,retirementincomestrategies,andplandesign.

KeyFindings

?Retirementconfidenceiscloselytiedtolowshort-termdebt,jobsecurity,andtrustintheworkplaceplan;

uncertaintyaboutinflationandtheeconomyareidentifiedasthetopbarriers.

?Saversgenerallyexpecttoneedjustoverhalftheir

currentincomeinretirementannually,butthatdoesn’ttranslateintounderstandingtheamount

they’llneedtoensuretheydon’toutlivesavings.

?Gapsexistacrossagegroupsandgender.

?Nearlyathirddon’thaveadrawdownplanfortheirsavings.

KeyTakeaway

Retirementprovidersplayavitalroleinclosingknowledgegapsthroughincreasedaccesstotailorededucationandsustainablepost-retirementincomestrategies.

Thisyear’sstudyresultshighlightanumberofemergentthemesandevolvingsaverbehaviorsthatwarrantcloseattentionfrominstitutionalstakeholders.

1

Theconceptof

retirementitselfisshifting

Increasingly,saversexpecttoworklonger,whetherout

offinancialnecessityorpreference,andmanyenvision

aphasedretirementthatcombinespart-timeemploymentwithflexibleincomestreams.Thisevolutiondemands

greaterflexibilityinplanstructuresandcommunications,particularlyinhowretirementprovidersaddress

workforcetransitionsandincomeplanning.

2

Incomesecurityisrisingasatoppriority

Whileaccumulationhashistoricallybeenthedominant

focusofworkplaceretirementplans,saversareexpressingheightenedconcernoverhowtoconvertsavingsinto

predictable,lifelongincome.Thisshiftcreatesan

opportunityforplansandadvisorstodelivergreatervaluethroughretirementincomesolutions.

3

Financialwellnessis

becomingfoundationaltoretirementreadiness

Saversareincreasinglyweigheddownbycompeting

financialpressures—fromdebtandhealthcarecosts

tohousingaffordabilityandemergencysavings.These

burdensdirectlyimpacttheirabilitytosave,plan,andstayontrack.Asaresult,there’sagrowingdemandforplanstrategiesthatgobeyondretirementsavingstosupportoverallfinancialhealthandresilience.

4

Accesstoadvicecandriveaction

Manysaverslackfinancialconfidence,leadingtoinertia.Providingsupportthroughone-on-oneadviceor

intuitive,tech-enabledtoolsthatoffertailorededucationcanencourageimprovedsavingsbehaviors.

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RetirementPlansandPerceptions:

ConfidenceGrows,ButConcernsPersist

Roughlyoneinthreeworkplace

retirementsaversreportachangedoutlookonretirementinthepast

sixmonths.

Manyareadjustingtheirplans,

eitherbydelayingfullretirement

orembracingpartialretirement.

Australiansaremorelikelyto

pursuephasedretirement,showingregionalvariationsinflexibility

andexpectations.

Encouragingly,thebeliefthatretirementisstillwithin

reachremainsstableforsixin10respondentssinceourlastreport.Takinganevenlongerview,optimismhas

grownsignificantly(11%*)sinceour2020report.

Keyconfidenceboostersincludelowshort-term

debt,asecurejob,andtrustintheirretirementor

superannuationplan.However,inflationandbroader

economicconcernscontinuetoweighheavilyon

confidence,highlightingthetensionbetweenpersonalfinancialmanagementandglobalmacroeconomic

uncertainty.

“Iexpecttobeabletolive

somewhatcomfortably,butwillabsolutelyneedthestatepensionaswellasmyowntomakethisareality.Inflationisaworry,soawayofremovingthatriskwouldbeahelp.”

M,35–44,Ireland

*ExcludesCanada.Notincludedin2020survey.

Ageseemstoplayaroleinconfidencelevels,withyoungerworkersthemostoptimisticabouttheir

retirementprospectscomparedtothosenearing

oralreadyinretirement.Thoseaged18–34are

mostlikelytoexpecttoretirebeforeage65(51%).Whilethismaybepartlyduetothelongrunwaytoretirement,it’sworthnotingthatthere’sasignificantdropinoptimismbeginningatage45—the45–54year-oldcohortis,infact,theleastoptimistic.

ActionableTakeawaysforPlanSponsors

?Tailoroutreachalignedtoemployeecareer

andlifestage,ensuringmid-careerworkers

understandtheretirementincomeimperativebeforetheyareaskedtomakedecisionsaboutsolutionsavailabletothem.

?Notepersistentgenderconfidencegaps.Just22%ofwomenreportfeelingveryorextremelyoptimistic,versus33%ofmen.Whiletheremaybemultiplereasonswomenrespondedthisway,manyofthemnon-financial,itagainpointstoaneedtobridgethatgapforwomen.

Figure4

WomenAreLessLikelytoFeelVeryorExtremelyOptimisticAboutRetirement

22%33%

WomenMen

Source:StateStreetGlobalAdvisors.GR32025surveyof4,371saversinApril2025.

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OptimismIncreasesGlobally

ButIsStillRelativelyLow

Globally,onlyoneinfiverespondentsarefeelingoptimisticabout

retirement.TheUS,IE,andAUaremoreoptimisticthantheUKorCA;optimismincreasedsignificantlyover2023intheUK,IE,andAU.

“IenvisionapeacefulandfinanciallysecureretirementwhereIcantravel,spendtimewithfamily,andpursuehobbies.Toachievethis,Ineedstrongfinancialplanning,areliablepensionorinvestmentplan,andaccessto

qualityhealthcare.Governmentpoliciesthatsupportretirees,suchasaffordablehealthcareandtaxbenefits,wouldalsobehelpful.”

M,18–34,Australia

Figure5

OptimismAroundBeingFinanciallyPreparedforRetirement

UKUSIreland

60%

57%

52%

52%*

50%

46%

46%

41%

41%

40%

39%

38%

40%

36%

31%

35%*

24%

25%

34%

30%*

21%

20%

20%*

19%

18%

14%

13%

12%

11%

29%

5-2020

2022

2023

2022

12-2020

2023

5-2020

2025

5-2020

2025

2022

12-2020

2023

2025

12-2020

OptimisticNotOptimistic

Australia

46%

42%

42%

37%*

41%

33%*

24%

22%

21%

29%

5-2020

2022

2023

2025

12-2020

Canada

45%

43%

19%

20%

2025

2023

Source:StateStreetGlobalAdvisors.GR32025surveyof4,371saversinApril2025.

*Significantlydifferentthanlastyearatthe95%level

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FactorsAffectingConfidenceLevels

Thetopfactorpositivelyinfluencingconfidenceishavinglittleshort-termdebt.Short-termdebtiscitedasatopfactoracrossallagegroups;

howeveronly36%of18-34year-oldsrankeditinthetopthreecomparedto57%ofthoseaged65+and54%ofthoseaged55-65.The18-34cohortalsocitedhavingafinancialplanintheirtopthree(37%),whilethatfactorwaslower

forotheragegroups.

Financialsecuritywiththeabilitytosave

forretirementwasalsointhetopthree,withconfidencearoundretirement/superannuationplanatopthreeinallbutUKandemploymentsecurityatopthreeintheUK.

Thetoptwofactorsnegativelyinfluencingconfidenceareinflation/increasedcost

oflivingandtheeconomy.

Notsurprisingly,factorsvariedbythe

respondents’stageoflife—halfofthose

65+citedmedicalexpensesintheirtopfiveconcerns,forexample,whilemortgagedebt/housingwashigher(36%)for18–34year

oldsthanotheragecohorts.

Figure6

TopFactorsPositivelyAffectingConfidence

UK

US

Ireland

Australia

Canada

Havinglittle/noshort-termdebt,loans,creditcardbills

45%

41%

43%

43%

44%

Financialsecurity/abilitytosaveforretirement

37%

35%

39%

40%

41%

Confidenceretirementplan/superannuationplanisinvestedwisely

31%

33%

33%

43%

35%

Employmentsecurity

34%

28%

30%

31%

28%

Havingemergencysavingstocoverunexpectedmedicalexpenses

31%

27%

32%

36%

34%

Havingafinancialplan

30%

32%

31%

35%

33%

Theeconomy

21%

26%

24%

21%

23%

Havingafinancialadvisor

11%

18%

15%

15%

15%

Thepoliticalclimate

10%

15%

13%

8%

10%

HavinganHSAtocovermedicalexpenses

N/A

13%

N/A

N/A

N/A

Introductionofautomaticenrolment

N/A

N/A

12%

N/A

N/A

Source:StateStreetGlobalAdvisors.GR32025surveyof4,371saversinApril2025.

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TopConcernsof

RetirementSaversToday

Concernsaboutnotknowinghowmuchsavingsisenough,being

unabletogenerateconsistentincome,andaffordingmedicalexpensesremainprominent.

Saverstypicallybelievethey’ll

needjustoverhalfoftheircurrentincometomaintaintheirdesired

lifestyle,thoughthisvariessignificantlybycountry.

Overhalfofsurveyedsaversnowassociate

retirementincomewithasteady,dependableincomestream—anencouragingincreasefrom2023in

mostregions.

However,aboutoneinfivestillseeitassimplya

drawdownplan,suggestingconfusionabouthow

retirementsavingsconvertintodependableincome.

Asmightbeexpected,planstoturnsavingsinto

spendingbecomemoreimperativeaspeople

approachretirement(57%of18–34yearoldsseekaneasywaytoturnsavingsintospending,but

thatnumberincreasesto74%ofthose65+).

Figure7

Savers’TopConcernsAboutRetirementPlanning

UK

US

Ireland

Australia

Canada

NotknowinghowmuchsavingsIneed

66%

61%

66%

66%

63%

Nothavingtheabilitytogenerateaconsistentincomethroughoutretirement

62%

59%

65%

65%

59%

Outlivingsavings

54%

59%

58%

64%

53%

Notbeingcapableofcoveringunexpectedmedicalcosts

53%

66%

67%

68%

57%

Notbeingabletocoverhousingcosts

47%

52%

50%

54%

53%

Notleavingbequestsforlivinglovedones

30%

36%

45%

40%

33%

Top2PerCountryVery/SlightlyConcernedTop3-6

Source:StateStreetGlobalAdvisors.GR32025surveyof4,371saversinApril2025.

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RetirementSaversLookingforIncomeTheyCanCountOn

Overhalfofsurveyedsaversnow

associateretirementincomewithasteady,dependableincomestream—anencouragingincreasefrom

2023inmostregions.Notably,halfofrespondentswouldkeeptheir

assetsintheirretirementplanifthatplanofferedincome.

SaversinAustralia,theUS,andIrelandaremorelikelytosaythis,withCanadiansleastlikely.TheUK,Ireland,andAustraliaincreasedsignificantlyinpositiveresponsesin2025comparedto2023.Thisisaclearsignaltoplansaboutthevalueoflifetimeincomesolutions.

Figure8

LikelihoodtoKeepMoneyinRetirementPlanAfterRetirementIfPlanProvidesIncome

UK

10%

27%

42%

13%

7%

38%

2022

10%

29%

44%

11%

6%

40%

2023

11%

34%*

40%

11%

4%

45%*

2025

US

18%

33%

27%

13%

8%

51%

2022

19%

33%

31%

10%

8%

51%

2023

9%

31%

30%

19%

10%

18%

37%*

27%*

11%*

7%*

55%

2025

14%

31%

29%

18%

8%

24%

31%

26%

12%

7%

Ireland

16%

36%

28%

14%

6%

41%

2022

45%

2023

52%*

2025

20%

38%

27%*

10%

5%

13%

29%

33%

Australia

17%

33%

33%

11%

6%

55%

2022

50%

2023

58%

2025

18%

8%

Canada

10%

33%

37%

15%

5%

42%

2023

43%

2025

VeryLikelySomewhatLikelyNeitherLikelyNorUnlikelySomewhatUnlikelyVeryUnlikely

Source:StateStreetGlobalAdvisors.GR32025surveyof4,371saversinApril2025.

*Significantlydifferentthanlastyearatthe95%level

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ManyLackaPlanfor

TheirRetirementSavings

Figure9

Respondents’PlansforTheirRetirementSavings

UK

Nearlyoneinfivesaytheyplantocontinuetoinvestsavingsanddrawdownovertime.

US

Justoveroneinfoursaytheyplantoleavetheirsavingsintheircurrentplanandwithdrawasneeded.

Ireland

Justunderoneinfivesaytheywillusepartoftheir

retirementsavingstopurchaseanannuity,oneinfivewillcontinueinvestinginsavings,andoneinfivewilldrawdownovertime.

Australia

Overthreein10saytheywillcontinuetoinvestsavings,drawingdownovertime,whileoveroneinfourdon’t

knowwhattheywilldo.

Source:StateStreetGlobalAdvisors.GR32025surveyof4,371saversinApril2025.

Overall,nearlyoneinthree

respondentsdon’thaveaplanfortheirretirementsavings

onceretired.

Therewasagendergapheretoo—womenarelesslikelytohaveaplanthanmen(39%ofwomenversus23%of

menreplied“Idon’tknow”),inlinewithearlierresponsesonfeelinglessconfident.

Thosewhodohaveaplanreportthey’llkeepretirementsavingswithinacu