Goldman Sachs Retirement Survey 2025: 58% of Americans Expect to Outlive Their Savings, and the Income Strategy That Changes the Math
Key takeaways
- SmartAsset s free tool can match you with a financial advisor in minutes to help you answer that today.
- The Goldman Sachs Retirement Survey 2025 captures a tension that runs through the entire retirement landscape.
- The survey shows that the squeeze on savings capacity is not a temporary condition.
Goldman Sachs Retirement Survey 2025: 58% of Americans Expect to Outlive Their Savings, and the Income Strategy That Changes the Math David Beren Mon, May 11, 2026 at 12:50 AM GMT+7 6 min read GS JNJ O KO VZ Quick Read The Goldman Sachs Retirement Survey 2025 reveals that 68% of workers are confident about meeting retirement goals while 58% fear they’ll outlive their savings. The gap stems from structural cost pressures: housing rose from 21% to 36% of income, childcare from 10% to 25%, college from 8-9% to 16-33%, and healthcare from 12% to 33% since 2000, leaving less room for retirement savings even with wage growth.
A blended income strategy combining protected lifetime income with investment portfolio withdrawals increases retirement income by 23% versus relying solely on portfolio drawdowns, while personalized planning and consistent saving behavior boost retirement savings by 27% and 49% respectively.
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