Retirement Overconfidence

The Employee Benefit Research Institute's annual retirement confidence survey, released on 4/4/2006, found that about 68% of workers are confident about having adequate funds for a comfortable retirement. (Perhaps because of their findings that almost half-- 46 percent-- are guessing the amount they need to retire.)

At the same time however, more than 50% of all workers say they've saved less than $25,000 toward retirement, according to the Washington, D.C., based research group. Even among workers 55 and older, more than 40% have retirement savings under $25,000.

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