According to a survey by The Hartford, the younger the worker, the greater the attraction to having the ability to take at least a portion of a retirement account as guaranteed income. A high percentage of workers in all age ranges found this appealing, but the greatest appeal was among workers under the age of 30, with 95 percent of these workers responding affirmatively to the survey.
I have two reactions to this. First, I’m pleasantly surprised that these young workers are focused on the end of the retirement savings journey. I am the father of an under 30 worker, and I can tell you that my daughter is more financially astute than I was at her age. On the other hand, I was a bit taken aback. Maybe I’m reading more into this than I should, but this result indicates a high level of risk aversion among these younger workers, which concerns me a bit.
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