Individuals feel the pressure on retirement security
Regardless of where their home country may rank, individuals are finding that retirement security can be an elusive goal in 2025. Burdened by persistent inflation, presented with a more complicated economic environment, and concerned about the impact rising public levels will have on government benefits in the future, 46% of individual investors say it will take a miracle to achieve retirement security.
Results from the 2025 Natixis Survey of Global Investors show that Inflation has upped the stress level on retirement. Globally, 66% report that they are saving less because of higher everyday costs, while 69% say it has eroded the future value of their retirement savings. The impact on individuals’ psyche cannot be discounted, as 38% go so far as to say inflation is killing their retirement dreams.
Whether they are contemplating a retirement beginning in 2025 or 2050, individuals express tangible fears about their financial security in life after work. Inflation concerns cut deep but so does fear of failure, as 25% worry they’ll never save enough for retirement. Others worry that public debt and tax policy shifts could leave them in the lurch as one-third of individuals worldwide are afraid that their government benefits will be cut.
Where the responsibility for retirement security lies
When it comes down to it, retirement security is a responsibility that has to be shared by individuals and governments. Each will need to do their part to ensure that despite the many complex problems in front of them, retirement security is within reach. Employers are a critical linchpin in the retirement equation, too. Whether it’s a defined benefit pension or a defined contribution retirement savings, employers need to provide workers with access to retirement funding solutions.
With all three contributing, individuals can rely on more than divine intervention for retirement security. Instead, they’ll have a plan.
