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More retirees report financial stress as retirement affordability worsens
A Schroders study found 19% of respondents said they were struggling in 2026, up from 16% in 2025.
More retirees are reporting they are struggling with retirement finances, according to a study from wealth management firm Schroders cited by Yahoo Finance. The survey showed that more than two-thirds of working Americans believe they will not have enough money to retire comfortably, while more than half of retirees are unsure how long their savings will last.
The stress is occurring as wages lag while inflation increases the cost of essentials like gas and groceries, according to Yahoo Finance. The report also highlighted concerns that stress over finances could affect physical health, with Schroders finding over a third of retirees worried it will impact their health and almost 30% reporting they have lost sleep, compared with 25% in 2025.
In 2026, Schroders reported that only 4% of respondents said they were living the dream, while 5% said they were living the nightmare. It also said the share of respondents struggling rose to 19% in 2026 from 16% in 2025.
Retirees cited major worries including inflation weakening retirement assets, high healthcare costs, and fear of a market downturn, Yahoo Finance said. The story also referenced Fidelity's estimate that an average 65-year-old retiring in 2025 should expect to pay $172,500 for healthcare during retirement, up 4% versus 2024, and noted concerns about Social Security and Medicare becoming less supportive as costs rise.