NFP：2025年美国退休保障趋势报告：弥合认知差距 提升美国劳动者退休储备充足度（英文版）（18页）.pdf

1、2025 NFP U.S.Retirement Trend ReportClosing the comprehension gap for improved retirement readiness in the American workforce.Table of ContentsA Letter from Stephen and Jessica Key TakeawaysRetirement Preparedness:A Confidence CrisisConfidence:The Bridge Between Aspiration and Readiness Economic Rea

2、lities and Planning PressuresWhat Employees Expect in Retirement The Employers Role:Moving from Offering to EngagingReconsidering the Role of Financial Professionals Engagement that Works:Tools,Formats and Follow-ThroughNFP Recommends:Creating a Retirement Culture That Works About the Data3 45 6 7 8

3、 9 11 14 15 16 For both employees and employers across the U.S.,retirement readiness is falling well short of where it needs to be.Despite the long-standing message to“start early and save often,”only one in three workers feels confident theyll be able to retire comfortably.The issue isnt a lack of

4、effort.Many employees are trying to save,especially younger workers,but economic pressures,rising costs and a lack of clarity about retirement needs have made progress difficult.Two in five workers are either deprioritizing retirement or are unable to save at all.Even among those trying,most arent s

5、ure what“being on track”actually looks like.*This lack of confidence carries an emotional weight that shouldnt be underestimated.With more than half of employees associating retirement planning with feelings of fear,overwhelm or unpreparedness,*the connective tissue between financial insecurity and

6、overall wellbeing is laid bare.Because money problems rarely stay confined to the realm of finance and often affect health,relationships and family dynamics,its clear that when people fall behind financially,every aspect of life feels the strain.This creates a real opportunity for employers to step