Concerns About Social Security Only 30 percent of investors expect to receive most or all the benefits to which they are entitled when they retire. About 27 percent expect they will get none of the benefits to which they are entitled. Most investors who believe they will not get all their Social Security benefits when they retire said they are doing something special to make up for the anticipated shortfall. The index suggests that older investors need no special motivation to invest, because they are relatively close to retirement. About 23 percent of the first group have tax-deferred annuities, compared with 6 percent of the second group.
Many investors use the tax withholding system as an automatic savings plan.
Still, in practice these investors are more likely to owe taxes than qualify for refunds. Of the investors who received refunds, more than 40 percent said they were able to save some of the money. Of those who saved, half saved all their refund. Investors Are Savers Only 5 percent of investors said they have not saved anything during the past year, while about four in 10 said they have invested more than 10 percent of their total compensation. The average savings rate among investors surveyed is 14.1 percent.