A 40-year retirement takes better planning
Retiree revelations, generational insight, and trends from our 2025 Financial resilience and longevity study to help you guide today’s workforce. The report builds on our commitment to longevity preparedness and launch of the Longevity Institute, a global platform driving action to help people live longer, healthier, and more financially secure lives.
What workers and retirees are saying
We asked, and American workers and retirees responded candidly about their financial situations and their ability to fund and enjoy longer lives.
“Be ready. I wasn’t ready, but health issues forced me. Plan like every day will be your last day on the job.”
- Retiree, age 63
“I want to build savings, own a home, and travel, but right now, these aspirations feel like distant luxuries.”
- Gen Z, age 27
“I worry that I may live too long and run out of money. Don’t want to be a burden on my family.”
- Baby boomer, age 65
The challenges they’re facing
Understanding their experiences and where each generation is on their financial journey makes it easier to provide effective support, tailored to their unique needs.
52%
of retirees stopped working sooner than expected
56%
of Gen X are behind on retirement savings
70%
of Gen Zers are focused on paying their daily expenses/bills
Prepare workers to hit the big 100 and beyond
Dive deeper into our findings to help you create aha moments that can inspire today’s multigenerational workforce to save today for a potentially 40-year retirement.
Hear from our specialists
Join us as we explore each generation’s results and share tips to help you motivate them to boost their financial resilience and plan for their longevity.
Please note that it is incumbent on financial professionals affiliated with certain broker-dealer firms to obtain permission from their supervising broker-dealer firm prior to attending this event.
How can we make a longer retirement better?
Longevity is about balancing health and wealth to help make those extra years better. The implications are shifting the way we think about retirement.
Important disclosures
Important disclosures
Manulife John Hancock Retirement’s 11th annual Financial resilience and longevity survey, Manulife John Hancock Retirement, Edelman Public Relations Worldwide Canada Inc., June 2025. This is a commissioned study with the respected research firm Edelman Public Relations Worldwide Canada (Edelman). This information is general in nature and is not intended to constitute legal or investment advice. Edelman and Manulife John Hancock Retirement are not affiliated, and neither is responsible for the liabilities of the other. This report presents the results of research conducted by Edelman on behalf of Manulife John Hancock Retirement. The objectives of this study were to (1) quantify the financial situation and level of financial stress of John Hancock plan participants and American retirees; (2) determine the key triggers of financial stress; (3) understand the extent to which actions, including actual financial behavior and planning activity, ameliorate stress; (4) assess longevity and retirement preparation and readiness; and (5) investigate custom insight around how retirees are faring in retirement. This was an online survey comprising of two participant samples: Manulife John Hancock Retirement plan participants and American retirees. The Manulife John Hancock Retirement plan participant sample comprised 2,534 Manulife John Hancock Retirement plan participants. The survey for this sample was conducted from 5/9/25 through 6/2/25 with an average survey length of approximately 19 minutes per respondent. Respondents were located from a list of eligible plan participants provided by Manulife John Hancock Retirement. The American retiree sample comprised of 512 retired Americans, sourced through Angus Reid’s research panel. The survey for this sample was conducted from 5/9/25 through 6/2/25, with an average survey length of approximately 19 minutes per respondent. All statistical testing is done at 0.95 significance levels. Percentages in the tables and charts may not total 100 due to rounding and/or missing categories.
The testimonials provided may not be representative of the experience of all respondents.
All examples, stats, and charts are for illustrative purposes only.
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