TCRS Annual Retirement Survey

The Transamerica Annual Retirement Survey is now in its 22nd year. The survey comprises research among nationally representative samples of Americans and U.S. employers. It is one of the largest and longest-running of its kind exploring attitudes and behaviors about retirement security and the intersections of health and financial well-being across diverse groups of people in all walks of life -- workers, employers, retirees, family caregivers, and the general population in the U.S.


24th Annual Transamerica Retirement Survey (2023)

How to Claim the Saver's Credit

Only 47 percent of workers are aware of the IRS Saver's Credit, according to the 24th Annual Transamerica Survey. This little little-known tax credit makes it more affordable for eligible taxpayers to save for retirement in a 401(k), 403(b), or similar employer-sponsored retirement plan; a traditional or Roth IRA, or an ABLE account. 

23rd Annual Transamerica Retirement Survey (2022)

How to Claim the Saver's Credit

Only 49 percent of workers are aware of the IRS Saver's Credit, according to the 23rd Annual Transamerica Survey. This little little-known tax credit makes it more affordable for eligible taxpayers to save for retirement in a 401(k), 403(b), or similar employer-sponsored retirement plan; a traditional or Roth IRA, or an ABLE account. 

22nd Annual Transamerica Retirement Survey (2021)

How to Claim the Saver's Credit

Fewer than half (48 percent) of U.S. workers are aware of a tax credit that may help them save for retirement, according to the 22nd Annual Transamerica Retirement Survey. Also referred to as the Retirement Savings Contributions Credit by the Internal Revenue Service (IRS), the Saver’s Credit is available to millions of eligible taxpayers who are saving for retirement. 

21st Annual Retirement Survey (2020)


20th Annual Retirement Survey (2019-2020)

Retirement Security: A Compendium of Findings About U.S. Workers

The Compendium examines the impact of the coronavirus pandemic and offers 25+ indicators of retirement readiness across employment status, urbanicities, LGBTQ status, level of educational attainment, generation, gender, and race/ethnicity. It also offers priorities for policymakers for improving retirement security for all Americans. This research report is based on a survey conducted in late 2019 and offers comparisons with a supplemental survey conducted in October 2020. 

19th Annual Retirement Survey (2018)

Tips for Claiming the IRS Saver's Credit

Learn more about the Saver's Credit, an IRS tax credit for eligible taxpayers who save for retirement in a 401(k), 403(b), or similar employer-sponsored retirement plan; a traditional or Roth IRA. Unfortunately, 62 percent of workers are unaware of the credit, according to the 19th Annual Transamerica Retirement Survey of workers. 


Retirees Survey (2018)


18th Annual Retirement Survey (2017)

Here and Now: How Women Can Take Control of Their Retirement

In conjunction with National Women’s History Month which corresponds with International Women’s Day on, March 8, TCRS highlights findings from its 18th Annual Transamerica Retirement Survey of Workers. TCRS has published research for more than a decade showing that women are at a greater risk of not achieving a financially secure retirement compared to men. This study covers research of more than 3,900 women workers in the U.S. and shines a light on their current retirement preparedness and outlook for their own retirement. With this study, TCRS aims to raise awareness of the retirement risks that women face and highlight opportunities where women can take greater control of their long-term financial security.



17th Annual Retirement Survey (2016)

Seventeen Facts About Women's Retirement Outlook

In conjunction with National Women’s History Month which corresponds with International Women’s Day on, March 8, TCRS highlights findings from its 17th Transamerica Retirement Survey of Workers. TCRS research finds that women have unique challenges - and opportunities - in preparing for retirement.


A Compendium of Findings About American Workers - 17th Annual Survey (2016) - Full Survey Results

Complete results from the 17th Annual Survey. The worker report includes trend data and comparisons by company size, generation, gender, household income, educational attainment and ethnicity, which are also available as excerpts.

Perspectives on Retirement: Baby Boomers, Generation X, and Millennials

The retirement landscape is ever-evolving. Societally, as the way that we live and work continues to change, we should expect widely held assumptions about retirement to change. Our research examines three generations currently represented in the workforce: Baby Boomers, Generation X, and Millennials. The landscape is now changing so rapidly that it is clear that their retirements will be different from their parents’ generation and from each other’s as well.

16th Annual Retirement Survey (2015)

Sixteen Facts About Women's Retirement Outlook

TCRS has published research for more than a decade showing that women are at a greater risk of not achieving a financially secure retirement compared to men. This study, based on the 16th Annual Transamerica Retirement Survey, covers research of more than 2,400 women workers in the U.S. and shines a light on their current retirement preparedness and outlook for their own retirement. With this study, TCRS aims to raise awareness of the retirement risks that women face and highlight opportunities where women can take greater control of their long-term financial security.

Savers Credit

Learn more about the Saver's Credit, an IRS tax credit for low- to moderate-income workers who save for retirement in a 401(k), 403(b), or similar employer-sponsored retirement plan; a traditional or Roth IRA; or a new myRA. TCRS research finds that only one in four who are potentially eligible are aware of the credit. 
 

Retirement Throughout the Ages: Expectations and Preparations of American Workers

As part of the 16th Annual Transamerica Retirement Survey, this report examines current expectations and preparations among American workers in their twenties, thirties, forties, fifties, and sixties and older.

Retirees Survey (2015)

The Current State of Retirement: Pre-Retiree Expectations and Retiree Realities

This new research examines the retirement outlook of age 50+ workers with the actual experiences of retirees


15th Annual Retirement Survey (2014)

Fifteen Facts About Women's Retirement Outlook

In celebration of International Women's Day, TCRS lays out 15 facts about women's retirement preparedness and outlook, and recommends seven steps to help improve it.

Baby Boomer Workers Are Revolutionizing Retirement: Are They and Their Employers Ready?

The Retirement Readiness Challenge: Five Ways Employers Can Improve Their 401(k)s

Generation X Workers - The 401(k) Generation

Generation X workers are facing formidable uncertainties about their future retirement. This “401(k) Generation” joined the workforce as 401(k)s were being introduced, and many of them are saving for retirement through such plans.  However, the study reveals that current levels of savings may not be enough, and offers recommendations to help improve the retirement readiness outlook for Gen Xers.

Millennial Workers - An Emerging Generation of Super Savers

Millennial workers are engaged in retirement saving and planning, and appear to be an emerging generation of super savers. As part of the 15th Annual Transamerica Retirement Survey, this report examines Millennials' attitudes and retirement readiness.

The Retirement Readiness of Three Unique Generations

As part of the 15th Annual Transamerica Retirement Survey, this report examines current trends among American workers and compares the retirement outlooks of Baby Boomers, Generation X, and Millennials.


14th Annual Retirement Survey (2013)

Spotlight on Saver's Credit

TCRS released survey results to help increase public awareness of the Saver's Credit, an important tax credit for low- to middle-income workers who save through a qualified retirement plan such as a 401(k), 403(b), or IRA.

Unlocking Secrets of Retirement Readiness: Meet the Everyday People Who Are 'Power Planners'

The latest survey found that retirement confidence is on the rise, but that there are many Americans who remain unready for retirement.  However, the research also discovered five segments of 'Power Planners' who are on the road to retirement readiness and can serve as a source of inspiration for others.

Dreaming About Retirement

A comparison of how men and women plan to spend their lives in retirement.


13th Annual Retirement Survey (2012)

10,000 Baby Boomers Turn 65 Every Day Infographic

Fewer than 1 in 10 Baby Boomers strongly agree that they are building a large enough nest egg.

Retirement Security Priorities for the President and Congress

TCRS surveyed American workers before the 2012 election and asked them what they thought should be the priorities for the next President and Congress to help Americans prepare for a financially secure retirement.


12th Annual Retirement Survey (2011)

Relying on Social Security in Retirement


11th Annual Retirement Survey (2009-2010)


10th Annual Retirement Survey (2008-2009)


9th Annual Retirement Survey (2007)

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