Retirement- Men Vs. Women
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Statistics show that women earn less than men, save less for retirement, and are less likely to contribute to workplace retirement plans. Women on average have saved $20,000 for retirement compared to $25,000 for men. Fewer women than men calculate how much they will need for retirement or estimate they will need less at $200,000 versus $400,000 estimated by men. This is likely due to women earning less and taking time out of the workforce to care for children. The document encourages taking control of retirement planning by starting to save early and frequently, estimating needs conservatively, and working with an advisor to revise plans over time.
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Retirement- Men Vs. Women
- 1. RETIREMENT WOMEN VS. MEN Women earn 82% of what men do, and live 4.8 years longer, so they have to make less stretch longer. Only 44% of women contribute to a workplace retirement plan. On average, women have socked away $20,000 for retirement. 28% of men believe they know what they'll need to retire on. Men estimate they will need $400,000 to retire, versus $200,000 for women. S T A T I S T I C S STATISTICS SHOW MEN ARE SAVING MORE THAN WOMEN, BUT WHY? At $25,000, men have put away 20% more on average. Over 50% of men participate in a workplace retirement plan and invest on their own. Only 20% of women have calcluated how much income they will need to retire on. Those that have estimate they'll only need $200,000. Men are able to stay in the workforce longer, with women stepping away for child rearing. Stats based on studies done by the DOL and a Harris Interactive Poll. Don't let these stats scare you away from retirement. Keep reading!
- 2. TAKE CONTROL OF YOUR RETIREMENT Then, follow it. This applies to anyone, no matter their gender or age; start saving as early and as much as you can. On average, to retire comfortably, you will need to save eight times your ending salary. If your ending salary is $100,000, you will need at least $800,000 to live comfortably in your golden years. If you don't have an advisor, start the search now. We have a great list of questions to get you on your way. Make a plan for your retirement, but be prepared to revise that plan to fit the changing economic landscape, and the possibility of increasing health needs. Talk to Your Advisor Over- Estimate Make A Plan