J.P. Morgan’s Guide to Retirement lays out a data driven framework for how individuals can plan, invest, and sustain income throughout retirement. It challenges common assumptions by showing that many households undersave and face a meaningful gap, with median retirement savings often falling short of required levels.
Guide to Retirement
J.P. Morgan Asset Management
Research
52 Pages
Key Takeaways
Savings Gap Reality: Median retirement savings for ages 55–64 is ~$120,000, far below the ~$738,000 needed to sustain a 4% withdrawal rate.
Longevity Risk Rising: A 65 year old couple has a ~50% chance one lives past 90, extending retirement to 25+ years.
Spending Declines Gradually: Real spending falls ~1% annually in retirement, but healthcare costs rise sharply, consuming up to 15% of expenses.
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