ASTEROIDACTUAL ODDS: 1 in 250,000
SNAKE BITEACTUAL ODDS: 1 in 50 million
SHARK ATTACKACTUAL ODDS: 1 in 315 million
DOG ATTACKACTUAL ODDS: 1 in 9,593,955
SWINE FLUACTUAL ODDS: 1 in 383,758
EARTHQUAKEACTUAL ODDS: 1 in 97,807
MOUNTAIN LION ATTACKACTUAL ODDS: 1 in 32 million
SPIDER BITEACTUAL ODDS: 1 in 51 million
LIGHTNING STRIKEACTUAL ODDS: 1 in 9,903,437
YOU FEAR...
One of the most robust findings of behavioral finance is that we tend to fear high-profile, low-probability events while ignoring more immediate risk to our well-being. To illustrate this, we’ve paired some common fears alongside the far more frightening realities impacting families just like yours.
AIR TRAVEL ACCIDENTACTUAL ODDS: 1 in 567,480
PER YEAR
PER YEAR
PER YEAR
PER YEAR
PER YEAR
PER YEAR
PER LIFETIME
PER YEAR
PER YEAR
PER YEAR
http://www.myretirementwalk.com/http://www.guardianlife.com/
YOU SHOULD FEAR...
Far scarier than any bogeyman, shark or natural disaster is the real burden of making sure you are adequately taken care of before and during retirement. The actions you take today will define how you'll live your tomorrow. We can help.
Go on a journey towards retirement, visit MyRetirementWalk.com
Learn more about Guardian, visit www.GuardianLife.com
43% OF AMERICANS ARE JUST
MOST AMERICANS HAVE THE U.S. NATIONAL DEBT RISES
OF AMERICANS LIVEPAYCHECK TO PAYCHECK
AT AN AVERAGE OF APPROXIMATELY
THE SOCIAL SECURITY TRUSTEES
ONE IN SIXLIVE BELOW THE POVERTY LINE
NEARLY
CONTINUE WORKING
8 in10 WORKERS
AFTER RETIREMENT AGE
YOU SPEND 12 TO 18% MORE WITH A CREDIT CARD THAN WITH CASH
ESTIMATE THAT SOCIAL SECURITY
WILL BE 2033
$3.8 BILLION PER DAY
IN RETIREMENT SAVINGS(EXCLUDING PRIMARY HOME VALUE & DEFINED BENEFIT PLANS)90DAYS AWAY FROM
POVERTY
LESS THAN$25,000LESS THAN$25,000
68%
i owe you $3.8 B per day - AMERICA
EXHAUSTED BY
OLDER AMERICANS
CREDIT
CASH
SOURCES: Injury Facts® 2013 Edition and 2012 Edition, National Safety Council / University of Florida, Wildlife - Johnson Lab / University of California Santa Cruz, 02-2012 / EENS 3050 – Upper Limit Odds, Tulane University, 07-2012 / ISAF 2012 Worldwide Shark Attack Summary / Emerg-ing Infectious Diseases, Volume 15, Number 12, CDC, 12-2009 / Nearly Half of U.S. Households have almost no Savings to Cover Emergencies or Save For the Future. Corporation for Enterprise Development, 01-2013 / The 2013 Retirement Confidence Survey. Employee Benefit Research Institute Brief No. 384, 03-2013 / 12 Scary Debt Facts CBS Moneywatch, 02-2012 / A Summary of the 2012 Annual Social Security and Medicare Trust Fund Reports, 11-2012 / Credit Card Tips for Holiday Shopping. Forbes, 11-2011 / Getting Paid In America. American Payroll Association Survey, 09-2012 / The Research Supplemental Poverty Measure: 2010. U.S. Census Bureau, 11-2011 / The Retirement Savings Crisis: Is It Worse Than We Think? Nari Rhee, PhD, 06-2013 / Most Workers Expect to Keep Working After Retirement Age. Gallup Economy, 06-2011 / Retirement Research Center, using data from the Federal Reserve Board’s Survey of Consumer Finances, retirement-usa.org
This material is intended to potentially assist you in planning for your future. Please note that individual situations can vary, and you should consult your tax, investment or legal advisor for guidance and information specific to your situation. Guardian is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by this material. EB016832 2013-5763 The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004-4025
THINK THEY WILL
FOR VARIOUS REASONS
48% OF AMERICANS TO THEIR WORKPLACEDON’T CONTRIBUTE RETIREMENT PLAN
DOMESTIC ODDS OF DYING FROM DATA IS INCLUDED FOR GENERAL ILLUSTRATION PURPOSES ONLY.
$6.6 TRILLION
SHORTARE PROJECTED TO BE
OF THEIR NEEDS
AMERICANWORKERS