Content Detail

Prudential Research & Perspectives Our original research and thought leadership provide vital insights into important issues for our clients, financial professionals, policymakers, and the general public.

National Retirement Risk Index

Planning for Retirement: Protecting Retirement Income Against Key Risks

Originally published October 2012

Every three years, the Center for Retirement Research (CRR) conducts an official update of its National Retirement Risk Index (NRRI), which measures Americans’ retirement preparedness. The NRRI is constructed using data from the Federal Reserve’s Survey of Consumer Finances. The Index results from comparing households’ projected replacement rates—retirement income as a percentage of pre-retirement income—with target rates that would allow them to maintain their living standard.

This update indicates that the percentage of households at risk of being unable to maintain their pre-retirement standard of living in retirement has soared by 9 percentage points, from 44 percent to 53 percent. The results are based on the Federal Reserve’s 2010 Survey of Consumer Finances and reflect changes from the 2007 survey.

Prudential is the exclusive sponsor of the National Retirement Risk Index.




The Prudential Insurance Company of America, Newark, NJ