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Chart of the Day: Generational Retirement Readiness

John Keefer, Portfolio Manager Oct 20, 2026
Chart comparing retirement readiness across generations, showing Gen Z with the highest share on track for retirement at 47%, followed by millennials (42%), Gen X (41%), and baby boomers (40%).

Contents

Today's Chart of the Day is based on Vanguard's The state of retirement readiness in three charts and shares some interesting insight into retirement readiness across four generations.

Despite facing challenges like higher debt levels and housing affordability concerns, Gen Z has the highest share of people on track for retirement at 47%. The data suggests that broader access to employer-sponsored retirement plans and stronger participation in deferred compensation programs could be giving Gen Z a head start, setting them up to reap the benefits later in life.
Chart of the Day

About the Author

John Keefer, Portfolio Manager
John Keefer, Portfolio Manager

John joined Crews Bank & Trust as a Trust Investment Associate in September 2025 and was promoted to Portfolio Manager in 2026. He holds a Bachelor of Science in Business Administration with a focus in Finance and Banking from the University of Missouri, along with an Investment Certificate. In his role, he supports portfolio maintenance and analysis while helping clients work toward their financial goals.

Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal. Past performance is not indicative of future results.

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