Nearly three-quarters of U.S. investors (73%) are very or somewhat worried about inflation affecting their retirement, according to a new survey from F&G, a Des Moines-based life insurance and annuity company. The second annual edition of the company Risk tolerance monitoring asked US investors how the events of the past six to nine months have changed their perspective on risk.



When it comes to retirement, investor concerns are not easing. The survey showed that 61% of U.S. investors are generally worried about their retirement income, which is fairly consistent with the 2020 results (60%). When asked what their specific top concerns were, investors indicated they were more concerned about inflation (81%), rising healthcare costs (78%) and market volatility. (64%).

The Xcelerant survey was conducted online by Directions Research from September 23 to October 1 among a nationally representative, demographically balanced sample of 1,676 US adults aged 30 and over.



More than a third of investors (36%) said they would be more likely to explore a new financial product that they did not use until after COVID-19 than they were before the pandemic, against 28% in 2020.

Despite the growing interest in new investment vehicles, only 15% of respondents say they have an annuity. Even among baby boomers, the generation closest to retirement (or already retired), only 22% own annuities – indicating that while U.S. investors are generally open to new products, the increasing adoption of Underutilized product categories like annuities remains a challenge.

While American investors have expressed various concerns related to their retirement, a majority (61%) said they do not work with financial advisers, despite the fact that Americans who work with an advisor are almost twice as likely as those who don’t make him feel “very prepared” for retirement, according to recent data released by SRI International, a nonprofit research institute.



When respondents to the Risk Tolerance Tracker were asked why they didn’t work with an advisor, the top reasons cited included high fees (36%), the fact that they already know what they are doing (27%) and that they don’t. feel they have enough income to invest (26%).

“Our survey found that external market conditions are the main concerns for US investors, and while it is important for them to be aware of these changes, it is also essential that they do not panic – especially if they retire is 20-30 years away, ”said Chris Blunt, CEO of F&G.

“An advisor can help people understand what really matters, design a roadmap and solutions to provide peace of mind in the face of unexpected risks, and help them avoid reactive decisions that can hurt their financial plan. long term. “