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What are the constraints?

We identified the most relevant behavioral constraints to retirement planning:
  • It’s invisible. Retirement is not something we usually talk about, and we won’t know if we’ve done it right until it’s too late.
  • It’s boring and depressing. When we do think about retirement, we must imagine a time when we will be old and possibly unwell.
  • It’s complicated and confusing. Developing a plan for retirement requires intention and effort, but in complex situations, it is easier to do nothing.
  • It’s less important than current needs. Short-term goals may be more pressing than long-term savings.

We considered the impact of these constraints on our study segments – attainable, unattainable, and retired – and considered them when imagining a better value proposition.
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You can learn more about these constraints in the full report.
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