Investors worried about outliving assets

NEW YORK--(BUSINESS WIRE)--Global Atlantic Financial Group  today released results from its 2025 Retirement Outlook Survey, revealing mounting anxiety among investors surveyed around retirement security.

The national survey included investors between the ages of 55 and 75 with $250K to $2M in investable assets and who are working with a financial professional. The findings show 67% of these investors are concerned about their income lasting their lifetime, with 30% saying they are extremely or very concerned.

The findings also reveal rising healthcare costs and inflation are among the top concerns of investors saving for retirement. Specifically, 90% of survey respondents are worried about rising healthcare expenses, and 89% are concerned about inflation’s impact on spending power.

“As economic pressures grow and a record number of Americans head toward retirement, there is rising concern that many could face uncertain futures if retirement security is not adequately addressed,” said Emily LeMay, Co-Head of Individual Markets at Global Atlantic. “It’s critical we help ensure individuals have access to income for life. This could mean the difference between financial hardship and an enjoyable retirement for millions of people.”

Seventy-six percent of respondents say they are concerned about Social Security’s ability to provide full benefits for life with 43% saying they are extremely or very concerned. In addition, 35% say they expect to rely “a lot” on Social Security to cover expenses in retirement.

“Our study shows many people are deeply concerned about their ability to save for retirement and maintain financial stability in the years ahead,” said Jason Bickler, Co-Head of Individual Markets at Global Atlantic. “We must prioritize innovation and developing effective strategies that can give people the tools they need to achieve financial security.”

Other key findings include:

• Seventy-six percent have discussed guaranteed lifetime income options beyond Social Security with their financial professionals.
• Despite 88% stating the importance of a steady retirement income stream, only 54% believe their investments are adequately protected from market downturns.
• While 56% have some pension benefits, 36% are extremely or very concerned about inflation eroding their pension income.

You can read more details on the retirement security findings in the Global Atlantic 2025 Retirement Outlook Survey here: https://www.globalatlantic.com/2025-retirement-outlook-survey