We deliver high-quality retirement research that contributes to pragmatic policymaking by fostering an understanding of the value retirement brings to employers, workers, and the economy.
Retirement Insecurity 2026: Americans’ Views of Retirement
New national research from the National Institute on Retirement Security finds that 80 percent of Americans say the nation faces a retirement crisis as rising costs and debt make it increasingly difficult to save. The report, Retirement Insecurity 2026: Americans’ Views of Retirement, also finds widespread concern about financial security in retirement, strong support for pensions, and growing caution about the role of artificial intelligence and cryptocurrency in retirement planning.
Most Americans are not on track for a secure retirement. Learn more about key aspects of retirement – from pensions to Social Security to long-term care.
A defined contribution account is a retirement savings plan, such as a 401(k), where employees and/or employers contribute money to an individual account, with the retirement benefit depending on contributions and investment earnings.
80% of Americans Say U.S. Faces Retirement Crisis Amid Affordability Pressures and Debt
New national research from the National Institute on Retirement Security finds that 80 percent of Americans believe the nation faces a retirement crisis, as rising costs, debt, and other affordability pressures make it harder to save. The survey also finds widespread caution about AI-generated financial advice and cryptocurrency in workplace retirement plans, while 85 percent say Washington should make retirement security a higher national priority.
New Episode of Retirement in America Podcast Explores the Longevity Revolution
Who We Are
The National Institute on Retirement Securityis a non-profit, non-partisan organization established to contribute to informed policymaking by fostering a deep understanding of the value of retirement security to employees, employers, and the economy.
National Institute on Retirement Security members share our vision that all Americans should have access to retirement security. Our diverse membership base makes our retirement research possible.
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