Poll finds growing number of Americans have no savings or retirement funds

February 3, 2011 · Posted in Bad Credit Loans 
Ayinde O. Chase – AHN News Editor

New York, NY, United States (AHN) – A recent Harris Poll found that thirty-four percent of Americans have no retirement savings and 27% have no personal savings.

The findings mark an increase, when just 18 months ago those numbers were moderately lower, at 30% and 22% respectively.

These are some of the results of The Harris Poll of 2,151 adults surveyed online between November 8 and 15, 2010 by Harris Interactive.

According to the 2,151 adults surveyed, one-in-four Baby Boomers have no retirement savings, with 22% of people aged 65 and over are in the same boat. While Gen Xers aged 34-45 are struggling just to survive with immediate needs and 32 of them have no personal savings.

“Current economic conditions seem to be driving somewhat less risky investment behavior by Gen Xers, which goes against the grain of traditional investment advice,” stated Barbara Bertner, Vice President of Financial Services Research for Harris Interactive.

Some of the other key findings from research includes that 31% of all adults report that they keep their personal savings “mostly in bank savings and and/or CDs”, 17% keep “a relatively equal mix of stocks/mutual funds and investments such as bonds and money market funds”, 11% keep their personal savings “mostly in stocks and/or mutual funds”, 8% keep theirs “mostly in bonds, money market funds and other stable investments.”

While many Americans’ retirement plans look bleak because they don’t have enough money saved, 84% of high net worth baby boomers believe their retirement will be better than their parents.

Seventy percent of these boomers said they plan to work in retirement even if it is part time simply “to remain more active and engaged.”

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