What is the Financial Outlook for Women Planning for Retirement?
The wage and wealth gap are both factors that influence women in retirement. They create a retirement savings gap that is more pronounced for women than for men. A recent BlackRock study shows 59% of women versus 78% of men said they felt they were unsure how on track for retirement they are.
最近的美国.S. Census Bureau data on retirement savings also confirms that women are more likely than men to not have retirement savings.
这在很大程度上是由几个关键因素推动的.
女性退休因素:寿命
美国劳工部的统计数据显示, 平均, a female retiring at age 65 can expect to live another 21 years — nearly three years longer than a man the same age. This amplifies the importance of having retirement savings to sustain enough retirement income to cover basic living costs.
The Secure Retirement Institute marks longevity as a considerable risk in retirement, 女性的平均寿命要长大约10年, leading to an increased likelihood of outliving their 配偶s.
女性退休因素:照顾
Women are disproportionally involved in caregiving across multiple age ranges. U.S. 55岁及以上的女性提供26个.6 million hours of unpaid care to family and friends on a daily basis. This often results in a critical impact on the hours they can work resulting in lost wages and, 反过来, 较低的退休收入.
Data from the National Partnership for Women and Families also shows a discrepancy in retirement income planning based on maternity leave and child care. Retirement plans were especially likely to be off-track in households where someone has been recently out of work due to child care or family obligations.
女性退休因素:性别差距
While these external factors are all important contributors to some of the challenges women face when planning for lifetime income sources in retirement, the gender gap is likely the most prevalent difference in retirement outcomes between men and women.
2023 Census Bureau data shows "women workers make just 78 cents for every dollar that men make.“这导致了大约1美元的薪酬差距.每年6万亿美元.这些数字, 结合以上因素, result in women having less money to save overall but especially for retirement. Women report feeling more insecure about their financials in retirement, harder to cope with financial loses and expect their assets to decrease.
缩小差距的建议
Women can focus on closing this income gap by joining and contributing to employer-sponsored retirement plans. 他们还可以充分利用配对项目, 哪条路可以弥补失去的时间或收入. Additional stable-money options are available for alternative income solutions that offer tax deferral, without contribution limits and allow for expedited nest egg growth potential.
Here are five helpful ways women can start to save more for retirement.
1. 开始行动吧，哪怕只是一小步. The earlier you start to plan for retirement, the better off you will likely be.
2. Take the time to do your research and find the retirement income options that are right for your individual needs.
3. Plan out your budget, including building or automating savings into it.
4. 人们的寿命更长了. Calculate what you might need for potentially 30 years in retirement.
5. Money and retirement income don’t have to be taboos that women are afraid to talk about. Your long-term financial health is important and should be openly discussed, 无论是与金融专业人士, 配偶, 家庭成员或信任的朋友.
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