Retirement Reconsidered 2025: Third Annual F&G Survey Reveals More American Workers Consider Delaying Retirement
F&G Annuities & Life (NYSE: FG) released its third annual Retirement Reconsidered survey, revealing significant shifts in retirement planning among Americans over 50. The study shows that 70% of pre-retirees are considering delaying retirement, with 23% definitely pushing back their planned retirement date - a 14% increase from 2024.
Key findings indicate that 50% cite financial uncertainties as the main reason for reconsidering retirement, up 10% from 2024. Additionally, 29% of current retirees are considering returning to work, with this number rising to 54% among Generation X retirees. The survey also revealed that 49% of American investors feel the need to invest in guaranteed income products, while 47% are not currently using a financial professional - an increase from 43% last year.
F&G Annuities & Life (NYSE: FG) ha pubblicato il suo terzo sondaggio annuale Retirement Reconsidered, che evidenzia importanti cambiamenti nella pianificazione della pensione tra gli americani over 50. Lo studio mostra che il 70% dei prossimi pensionati sta valutando di posticipare il pensionamento, con il 23% che ha già deciso di rinviare la data prevista per il ritiro dal lavoro, un aumento del 14% rispetto al 2024.
I risultati principali indicano che il 50% cita le incertezze finanziarie come motivo principale per riconsiderare la pensione, in crescita del 10% rispetto al 2024. Inoltre, il 29% degli attuali pensionati sta pensando di tornare a lavorare, con questa percentuale che sale al 54% tra i pensionati della Generazione X. Il sondaggio ha anche rivelato che il 49% degli investitori americani sente la necessità di investire in prodotti a reddito garantito, mentre il 47% non si avvale attualmente di un professionista finanziario, un aumento rispetto al 43% dell'anno precedente.
F&G Annuities & Life (NYSE: FG) publicó su tercer encuesta anual Retirement Reconsidered, que revela cambios significativos en la planificación de la jubilación entre los estadounidenses mayores de 50 años. El estudio muestra que el 70% de los próximos jubilados están considerando retrasar su jubilación, con un 23% que definitivamente está aplazando la fecha prevista para retirarse, un aumento del 14% respecto a 2024.
Los hallazgos clave indican que el 50% menciona incertidumbres financieras como la principal razón para reconsiderar la jubilación, un aumento del 10% respecto a 2024. Además, el 29% de los jubilados actuales está considerando volver a trabajar, llegando al 54% entre los jubilados de la Generación X. La encuesta también reveló que el 49% de los inversores estadounidenses siente la necesidad de invertir en productos de ingresos garantizados, mientras que el 47% no está utilizando actualmente un profesional financiero, un aumento desde el 43% del año pasado.
F&G Annuities & Life (NYSE: FG)는 세 번째 연례 Retirement Reconsidered 설문조사를 발표하며 50세 이상 미국인들의 은퇴 계획에 큰 변화가 있음을 밝혔습니다. 연구에 따르면 은퇴 예정자의 70%가 은퇴를 연기하는 것을 고려하고 있으며, 23%는 예정된 은퇴 날짜를 확실히 미루고 있다고 합니다. 이는 2024년 대비 14% 증가한 수치입니다.
주요 결과로는 50%가 재정적 불확실성을 은퇴 재고의 주된 이유로 꼽았으며, 이는 2024년 대비 10% 증가한 수치입니다. 또한 현재 은퇴자의 29%가 다시 일할 것을 고려하고 있으며, 이 비율은 X세대 은퇴자 중 54%로 증가합니다. 설문조사에서는 미국 투자자의 49%가 보장 소득 상품에 투자할 필요성을 느끼고 있으며, 47%는 현재 금융 전문가를 이용하지 않고 있는 것으로 나타났으며, 이는 작년 43%에서 증가한 수치입니다.
F&G Annuities & Life (NYSE: FG) a publié sa troisième enquête annuelle Retirement Reconsidered, révélant des changements importants dans la planification de la retraite chez les Américains de plus de 50 ans. L'étude montre que 70 % des futurs retraités envisagent de retarder leur départ à la retraite, avec 23 % qui repoussent définitivement leur date de départ prévue, soit une augmentation de 14 % par rapport à 2024.
Les principales conclusions indiquent que 50 % citent les incertitudes financières comme principale raison de reconsidérer leur retraite, en hausse de 10 % par rapport à 2024. De plus, 29 % des retraités actuels envisagent de retourner travailler, ce chiffre atteignant 54 % chez les retraités de la génération X. L'enquête a également révélé que 49 % des investisseurs américains ressentent le besoin d'investir dans des produits à revenu garanti, tandis que 47 % ne font pas actuellement appel à un professionnel financier, une augmentation par rapport à 43 % l'année dernière.
F&G Annuities & Life (NYSE: FG) veröffentlichte seine dritte jährliche Retirement Reconsidered-Umfrage, die bedeutende Veränderungen in der Altersvorsorgeplanung bei Amerikanern über 50 aufzeigt. Die Studie zeigt, dass 70 % der Vorruheständler erwägen, ihren Ruhestand zu verschieben, wobei 23 % definitiv ihr geplantes Rentenbeginn-Datum nach hinten verschieben – ein Anstieg von 14 % gegenüber 2024.
Wichtige Ergebnisse zeigen, dass 50 % finanzielle Unsicherheiten als Hauptgrund für die Überlegung, den Ruhestand zu verschieben, angeben, ein Anstieg von 10 % gegenüber 2024. Zusätzlich erwägen 29 % der aktuellen Rentner, wieder zu arbeiten, wobei dieser Wert bei Rentnern der Generation X auf 54 % steigt. Die Umfrage ergab auch, dass 49 % der amerikanischen Anleger das Bedürfnis verspüren, in garantierte Einkommensprodukte zu investieren, während 47 % derzeit keinen Finanzberater nutzen – ein Anstieg von 43 % im letzten Jahr.
- None.
- 47% of Americans over 50 not using financial professionals, up from 43% last year
- 32% of respondents grade their financial retirement readiness as C or below
- Survey indicates growing uncertainty in retirement planning market
Half of Americans Over 50 Cite Economic Volatility Driving Concerns Over Retirement Readiness
In fact, nearly a quarter (
48% are worried they won't have enough money for retirement44% are worried about inflation42% want more financial options and a larger safety net34% are worried about a recession/stock market downturn
Economic Volatility Leads to Concerns Over Retirement Financial Readiness
Amid turbulent economic shifts, Americans over 50 remain cautious with their finances and decisions about their retirement. Half of respondents (
Moreover, nearly a third (
42% enjoy the intellectual challenge/stimulation from working40% would like to have more financial options36% are worried about inflation – vs.44% in 202433% don't want to feel a lack of purpose
To help ride out this economic and financial uncertainty,
"The current economic environment is creating significantly more stress and uncertainty for younger American investors, leading many to rethink their timelines for retirement as our third annual study shows," said Chris Blunt, CEO of F&G. "This shift means Americans near and in retirement are more likely to be working longer or delaying retirement altogether. Amid this dynamic, the need for guaranteed income from products like annuities becomes increasingly important to maintain a quality of life they are accustomed to through retirement."
No Straight A's in Retirement
When asked to grade facets of their retirement plan, American investors are not giving themselves the highest marks.
When grading their financial readiness in preparing for/in retirement,
These self-assessments underscore that making retirement decisions is a big deal, though not everyone is consulting a financial professional before making those decisions.
Despite the lower grades, nearly half (
Outside of financial stability, when asked the extent to which their financial professional places or has placed an emphasis on fulfillment when planning for retirement,
"Financial professionals play a key role in advising investors on how to meet both personal and financial goals," added Blunt. "Retirement isn't just about how much you have saved, but what your life will look like in retirement, whether you are working part-time because you need the money or enjoy it for personal reasons. Financial professionals have an opportunity to help more Americans aim for an 'A' in retirement by guiding them to align their financial plans with the kind of life they truly want in their later years."
For more information on F&G's latest survey, please visit fglife.com/research.
Survey Methodology
This survey was conducted online by ROI Rocket. The survey was fielded from May 9th to May 26th, 2025, among a nationally representative sample of 2,000 U.S. adults. Respondents were Americans ages 50+, who are financial decision-makers and have
About F&G
F&G Annuities & Life, Inc. is committed to helping Americans turn their aspirations into reality. F&G is a leading provider of insurance solutions serving retail annuity and life customers and institutional clients and is headquartered in
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1 Survey fielded Americans age 50+ that own any financial products and have a net worth of
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SOURCE F&G Annuities & Life, Inc.
FAQ
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