The Shape of Your Retirement


One of the issues brought to mind by the current economy and the sluggish stock market is retirement -- how to plan for it, how to manage it. And, for the huge baby boom segment of the population, when to do it.

BusinessWeek magazine will publish its annual retirement guide within the next few days, and we thought it might be interesting, in anticipation of that, to see how you're feeling about retirement -- whatever your age might be.

Here goes:

Are you currently:

Employed in your primary career

Looking for a job in that career

Retired from your primary career

Other

If you're retired, at what age did you do so?

55-60

61-62

63-65

66-67

67-plus

I'm not retired

If you aren't retired, at what age do you plan to do so?

55-60

61-62

63-65

66-67

67-plus

Other

I'm retired

If you're retired, what best describes your status?

Not working for pay

Working at my former occupation at reduced hours and pay

Work full-time in a different occupation

Work part-time in a different occupation

Do consulting in my former industry

Do consulting in a different industry

Have started a new business

Other

I'm not retired

If you're retired and you continue to work, why?

I need the money

I want to stay challenged and stimulated

I want to stay close to friends and associates from work

Other

I'm not retired

I'm retired but don't work

If you're retired and work, approximately what percentage of your pre-retirement income do you earn from work now?

Less than 25%

25% to 49%

50% to 74%

75% to 100%

100%-plus

I'm not retired

I'm retired but don't work

If you're retired, what are your primary sources of income (i.e., those that account for more than 10% of your total income)?

Social Security

Employer-sponsored pension

Employer stock program, including stock options

Personal savings and investments

Inheritances

Earnings from continued employment

Other

I'm not retired

If you're still working, what are you most likely to do after you retire?

Not work for pay

Continue to work in my current occupation, for reduced pay

Work full-time in a different occupation

Work part-time in a different occupation

Do consulting within my current industry

Do consulting in a different industry

Start a new business

I'm already retired

If you're still working, what's the primary reason you'll keep working after retirement?

I'll need the money

I'll want to stay challenged and stimulated

I'll want to stay close to friends and associates from work

I'm already retired

I don't plan to work after retirement

If you're still working, what percentage of your pre-retirement income do you expect to earn from work after you retire?

Less than 25%

25% to 49%

50% to 74%

75% to 100%

100%-plus

I don't plan to work after retirement

If you're still working, what do you expect your primary sources of income to be after you retire (i.e., those that account for more than 10%)?

Social Security

Employer-sponsored pension

Employer stock program, including stock options

Personal savings and investments

Inheritances

Earnings from continued employment

Other

I'm already retired

How confident are you that your retirement income is -- or will be -- sufficient?

Very confident

Somewhat confident

Somewhat worried

Very worried

Not sure

What do you consider the biggest single threat to you financial security in retirement?

Catastrophic medical expenses

Outliving your savings

Losing your post-retirement job

Becoming disabled

Stock market crash

Supporting your children

Supporting your aging parents

Over the past two years, has the value of your savings for retirement (not including your home):

Increased

Decreased

Remained the same

Not sure

What is your total net worth?

Less than $200,000

$200,000 to $400,000

$400,001 to $600,000

$600,001 to $800,000

$800,001 to $1 million

$1 million-plus

Not sure


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