Retirement insights from a Colorado PERA perspective

A distant view shows a mountainous landscape with sloping peaks, green trees in the foreground, and a cloudy sky above.

A new report is shedding light on the challenges many workers continue to face when saving for retirement.



According to the National Institute on Retirement Security (NIRS), nearly half of working-age Americans don’t participate in any employer-sponsored retirement plan and struggle to reach recommended levels of savings. In fact, many have little to no savings at all, NIRS found.



Despite decades of policy changes and other efforts to bolster retirement security, it’s clear that many workers—especially those in the private sector—are still unable to save for retirement on their own.



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size">The state of workers’ retirement readiness</h2>



For its report titled, <a href="https://www.nirsonline.org/research/retirementinamerica2026/" target="_blank" rel="noreferrer noopener">“Retirement in America: An Analysis of Retirement Preparedness Among Working-Age Americans,”</a> NIRS researchers used data from the U.S. Census Bureau’s Survey of Income and Program Participation. That data is as of December 2022.



Unsurprisingly, NIRS found that employees who have access to a retirement plan through work are much more likely to save money for retirement than those who don’t. Regardless of plan access, however, the analysis found most workers still aren’t saving enough.



Among all working-age adults (defined here as workers between the ages of 21 and 64), the median balance of defined contribution (DC) retirement accounts like 401(k)s was just $955 in 2022. Examining only accounts that had a positive balance and eliminating those with no savings at all, the median was $40,000. According to NIRS, workers with positive DC account balances had reached a median of just 18% of their recommended savings based on age.



There are many reasons why people might not save as much money as experts recommend, including competing financial priorities such as living expenses and debt.



Taking on debt to attend college, for example, can simultaneously improve a person’s access to employment and benefits while also making it more difficult to achieve savings goals. NIRS found that while adults who carry student loan debt are more likely to have and participate in a retirement plan through their employer, they also tend to have lower account balances and lower net worth.



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size">Public pensions and retirement security</h2>



<figure class="wp-block-image size-large"><a href="https://content.copera.org/wp-content/uploads/2026/03/nirs-db-and-dc-participation.png"><img decoding="async" loading="lazy" width="1024" height="671" src="https://content.copera.org/wp-content/uploads/2026/03/nirs-db-and-dc-participation-1024x671.png" alt="" class="wp-image-63927" srcset="https://content.copera.org/wp-content/uploads/2026/03/nirs-db-and-dc-participation-1024x671.png 1024w, https://content.copera.org/wp-content/uploads/2026/03/nirs-db-and-dc-participation-300x197.png 300w, https://content.copera.org/wp-content/uploads/2026/03/nirs-db-and-dc-participation-768x503.png 768w, https://content.copera.org/wp-content/uploads/2026/03/nirs-db-and-dc-participation-1536x1007.png 1536w, https://content.copera.org/wp-content/uploads/2026/03/nirs-db-and-dc-participation-2048x1342.png 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></figure>



Access to and participation in a retirement plan is much higher in the public sector, where many employees have access to a defined benefit (DB) plan, also known as a pension. For example, NIRS found that 88% of public administration workers and 74% of educational service workers participate in a retirement plan while overall participation is around 50%. As of the end of 2022, just 17 percent of all American workers were participating in a DB plan.



A DB plan has the benefit of making saving for retirement easy—for most Colorado PERA members, enrollment in the PERA DB Plan is automatic and their contributions to the plan are set in statute. That means employees don’t have to opt in or decide how much to save. And when they retire, PERA members can count on receiving reliable and predictable monthly income they can’t outlive.



Colorado PERA also offers all members access to the voluntary PERAPlus 401(k) and some employers offer the PERAPlus 457 Plan, <a href="https://www.copera.org/retirees/peraplus-401-k-457-plans">providing members with additional tools</a> to ensure they have the savings they need to meet their retirement goals.



While saving for retirement continues to be a challenge for many American workers, PERA remains committed to providing a secure retirement to the hardworking Coloradans who serve our state.



RELATED: <a href="https://www.copera.org/pera-on-the-issues/study-confirms-pera-a-valuable-tool-for-recruiting-retaining-public-workers" target="_blank" rel="noreferrer noopener">Study Confirms PERA a Valuable Tool for Recruiting, Retaining Public Workers</a>

Report: Many Workers Struggle to Save for Retirement on Their Own

<a href="https://www.cbsnews.com/news/retirement-social-security-savings-us-workers/" target="_blank" rel="noreferrer noopener">The Typical U.S. Worker Has $955 Saved for Retirement, Report Finds | CBS News</a>



A new report from the National Institute on Retirement Security (NIRS) found that many American workers still lack access to retirement plans at work, hindering their ability to save for retirement. The median savings for all workers is just $955, according to NIRS.



<a href="https://www.forbes.com/sites/brucejapsen/2026/02/03/congress-extends-medicare-telehealth-coverage-for-two-years/" target="_blank" rel="noreferrer noopener">Congress Extends Medicare Telehealth Coverage For Two Years | Forbes</a>



President Trump signed into law a bill that temporarily extends telehealth coverage for retirees enrolled in traditional Medicare. The bill extends virtual care coverage through the end of 2027. All of <a href="https://www.copera.org/retirees/health-benefits-peracare">PERACare’s</a> Medicare Advantage plans include virtual visits at no additional cost.



<a href="https://www.thestreet.com/retirement/elon-musk-retirement-advice-experts" target="_blank" rel="noreferrer noopener" class="broken_link">Elon Musk Says Stop Saving for Retirement: Experts Call It &#8216;Nonsense&#8217;&nbsp;| TheStreet</a>



Billionaire Elon Musk recently declared that saving for retirement will one day be obsolete. While discussing the topic on a podcast, Musk predicted AI and robotics will usher in an age of prosperity that will eliminate the need to set aside money for the future. But retirement experts say not so fast—saving and planning for retirement are more important than ever, and Musk’s vision of the future is anything but certain.



<a href="https://www.huffpost.com/entry/older-patients-aging-geriatricians-goog_l_6984d80be4b04d5037ef2e76" target="_blank" rel="noreferrer noopener">Geriatricians Share Signs Of Good Aging | HuffPost Life</a>



Everyone has their own definition of what it means to age well, but doctors say there are a few key factors that can help ensure we stay happy and healthy as we get older. Here are some signs that you’re setting yourself up for success in your older years.



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News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.

News You Should Know: Retirement Plans Out of Reach for Many Workers

<a href="https://wallethub.com/edu/best-and-worst-states-to-retire/18592" target="_blank" rel="noreferrer noopener">Best States to Retire in 2026 | WalletHub</a>



Personal finance website WalletHub released its annual list of best states for retirees and Colorado made the top five. The number-one spot went to our neighbors to the north in Wyoming. Colorado came in at number four, earning high scores on factors related to health care, such as number of medical facilities and availability of services for older residents.



<a href="https://coloradosun.com/2026/01/29/colorado-now-has-6-million-people/" target="_blank" rel="noreferrer noopener">Colorado Now Has 6 Million People, Even Amid Slowing Population Growth | The Colorado Sun</a>



The Centennial State’s population continues to grow, albeit significantly slower than in recent years. According to the latest data from the State Demography Office, Colorado’s population grew at a rate of 0.4% in 2025, pushing the state’s population above 6 million for the first time.



<a href="https://www.transamericainstitute.org/research/publications/details/retirement-realities-retiree-experience-survey-2025" target="_blank" rel="noreferrer noopener">Retirement Realities: The Experience of Retirees | Transamerica Institute</a>



A new report from the Transamerica Center for Retirement Studies and Transamerica Institute includes survey responses from American retirees on their retirement experiences and perspectives. Among the key findings: 66% of retirees say their standard of living has remained the same in retirement, 47% plan to rely on their relatives and friends for long-term needs, and 69% wish they had saved more money for retirement consistently.



<a href="https://www.cnbc.com/2026/02/04/retirement-savings-lost-and-found.html" target="_blank" rel="noreferrer noopener">Retirement Savings &#8216;Lost and Found&#8217; Helps Locate Old 401(k)s, Pensions | CNBC</a>



Since the U.S. Department of Labor launched its online lost-and-found database for retirement plans, tens of thousands of people have logged on and found information on an old plan. The agency said more than 69,000 people found an old 401(k), pension, or other plan last year. Right now, the database is limited to data for people who are 65 or older.



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News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.

News You Should Know: Which States are Best for Retirement?

<a href="https://coloradosun.com/2026/01/13/colorado-legislature-2026-budget-problem/" target="_blank" rel="noreferrer noopener">Colorado Lawmakers Return to Capitol Facing $850 Million Mountain of Tough Budget Decisions | The Colorado Sun</a>



The State budget is once again front and center as the 2026 legislative session gets underway. Lawmakers are facing the prospect of cutting approximately $850 million in spending to pass a balanced budget for the next fiscal year, which begins July 1.



<a href="https://www.cnbc.com/2026/01/08/irs-accepting-tax-returns.html" target="_blank" rel="noreferrer noopener">When Does the IRS Start Accepting Tax Returns? Jan. 26 | CNBC</a>



Tax season is nearly upon us—the Internal Revenue Service announced it will begin accepting individual tax returns on January 26. Some taxpayers could see bigger refunds this year due to various changes included in President Trump’s One Big Beautiful Bill Act. The deadline to file is April 15 for most taxpayers.



<a href="https://www.aarp.org/money/retirement/obscure-terms-to-know/">5 Obscure Retirement Terms You Should Know |</a><a href="https://www.aarp.org/money/retirement/obscure-terms-to-know/" target="_blank" rel="noreferrer noopener"> </a><a href="https://www.aarp.org/money/retirement/obscure-terms-to-know/">AARP</a>



How well do you know retirement terminology? Take this short quiz from AARP to test your knowledge and learn about important topics like required minimum distributions and longevity risk.



<a href="https://www.napa-net.org/news/2026/1/young-retirement-savers-are-doing-what-older-savers-wish-they-had" target="_blank" rel="noreferrer noopener">Why Young Retirement Savers Are Beating Older Generations | National Association of Plan Advisors</a>



A new survey found younger generations seem to be heeding advice to save money for retirement early in their careers. Compared to Generation X and Baby Boomers, Generation Z and Millennials are contributing to workplace retirement plans earlier, monitoring their progress, and planning for market volatility, according to the survey from Nationwide Retirement.



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News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.

News You Should Know: Colorado Lawmakers Facing $850 Million Budget Gap

<a href="https://www.plansponsor.com/senate-help-hearing-spotlights-social-security-reforms-early-retirement-savings/" target="_blank" rel="noreferrer noopener">Senate HELP Hearing Spotlights&nbsp;Social Security Reforms, Early Career Savings&nbsp; | PLANSPONSOR</a>



The Senate Committee on Health, Education, Labor and Pensions recently held a hearing to discuss the current and future states of American workers’ retirement savings. The hearing covered topics such as Social Security, automatic savings, and long-term care, as well as potential legislative solutions.



<a href="https://www.investopedia.com/trump-indicates-that-he-s-looking-into-a-retirement-system-that-s-like-the-11862180" target="_blank" rel="noreferrer noopener">Trump Signals Interest in Australia’s Retirement System: Here&#8217;s How The US Is Different | Investopedia</a>



President Trump has expressed admiration for Australia’s retirement savings system and suggested the United States could learn a few things from the land down under. Australia’s retirement system is one of the largest in the world and is notable for its reliance on employer-funded benefits that reduce savings pressure on individual employees.



<a href="https://apnews.com/article/social-security-trump-administration-retirement-a94ced488f2e052a5d9df39021701195" target="_blank" rel="noreferrer noopener">Social Security Administration to Cut Office Visits in Half. What It Means for You. | AP News</a>



The Social Security Administration, which has eliminated thousands of staff positions and moved more services online, is aiming to reduce visits to its local field offices next year. The agency set a target of no more than 15 million in-person visits for 2026, which is about a 50% reduction from the more than 31 million who visited field offices this year.



<a href="https://money.com/economist-predictions-for-retirement/" target="_blank" rel="noreferrer noopener">What Economists Predict for Retirees Over the Next 10 Years | Money</a>



What do 2026 and the years beyond have in store for retirees’ finances? It’s hard to say with certainty, but economists can offer up some predictions on factors like inflation and interest rates that are likely to have an impact on personal finance in the coming years.



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News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.

News You Should Know: Senate Committee Holds Hearing on Retirement Savings

<a href="https://apnews.com/article/what-is-republican-trump-tax-bill-f65be44e1050431a601320197322551b" target="_blank" rel="noreferrer noopener">What&#8217;s in the Big Bill That Trump Has Signed into Law | AP News</a>



Congress passed and President Trump signed the large tax and spending bill, known as the One Big Beautiful Bill Act, that President Trump has made a priority. The bill, which is nearly 900 pages long, makes a wide variety of changes to federal law, including extending tax cuts, creating new temporary tax deductions, boosting funding for border security, and reducing the number of people covered by Medicaid and food assistance programs.



<a href="https://www.forbes.com/sites/ronshevlin/2025/07/01/the-new-trend-in-personal-finance-revenge-saving/" target="_blank" rel="noreferrer noopener">The New Trend in Personal Finance: Revenge Saving | Forbes</a>



You may remember the term “revenge spending” from the period following COVID-related lockdowns, which described the surge in spending that occurred as people began to resume regular daily activities. Now, there’s a reversal happening with many people opting for “revenge saving” instead. Experts say unlike traditional saving, which is often focused on long-term goals, revenge saving is more emotionally reactive and a response to economic volatility and uncertainty.



<a href="https://www.usatoday.com/story/money/2025/07/05/most-popular-retirement-states-florida-arizona/84459117007/" target="_blank" rel="noreferrer noopener">Where do Americans Go to Retire? Not Where You Think. | USA Today</a>



While it’s long been known that retirees like to move to warm states like Arizona and Florida, recent analyses have found changing trends as retiree priorities shift. According to one such list, Wyoming is the top destination for retirees, followed by South Carolina and Idaho. Another ranking lists Massachusetts, Florida, and Illinois as top destinations for retirees. Experts say various factors beyond climate influence retiree migration, including proximity to nature, amenities, and cost of living.



<a href="https://www.kiplinger.com/retirement/retirement-planning/the-first-year-of-retirement-rule" target="_blank" rel="noreferrer noopener">The &#8216;First Year of Retirement&#8217; Rule | Kiplinger</a>



If you’re nearing retirement, you may be thinking about what your transition away from work looks like and daydreaming about the possibilities. But experts say that without careful planning, the first year of retirement can make or break the years that follow. Here’s why the first year is so important, and some tips for making sure you’re set up for success in retirement.



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News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.

News You Should Know: What’s Included in the Federal Spending Bill?

<a href="https://apnews.com/article/social-security-medicare-trust-fund-trump-74e13292f510739724a555d7ded7c1a3" target="_blank" rel="noreferrer noopener">Medicare and Social Security Go-Broke Dates Pushed Up | AP News</a>



This year’s annual assessment of the Social Security and Medicare trust funds found the programs could be forced to begin cutting benefits even sooner than previously expected, if the government doesn’t take action. Social Security is expected to deplete its trust funds one year sooner than last year’s estimate, while Medicare’s hospital insurance fund is expected to run out of cash three years earlier.



<a href="https://www.reuters.com/business/fed-set-hold-rates-steady-middle-east-crisis-tariffs-cloud-outlook-2025-06-18/" target="_blank" rel="noreferrer noopener">Fed Keeps Rates Steady but Pencils in Two Cuts by End of 2025 | Reuters</a>



The Federal Reserve is cautiously keeping its key interest rate unchanged for the time being due to concerns over inflation ratcheting back up. Chair Jerome Powell said that while inflation has been low in recent months, it’s possible prices will rise as the full effects of tariffs are realized. However, experts say rate cuts later this year are still possible.



<a href="https://www.planadviser.com/workers-dont-expect-succeed-saving-retirement/" target="_blank" rel="noreferrer noopener">Workers Don’t Expect to Succeed in Saving for Retirement | PLANADVISER</a>



If you ask people if their generation has it harder than their parents’ generation, 8 times out of 10 they’ll say “yes,” according to a recent report by the Transamerica Center for Retirement Studies. The survey found that across generations, Americans say they’re struggling to meet their financial needs and save for retirement. The good news is employer-based retirement plans are a vital part of retirement success and more than three-quarters of Generation Z say they’re saving for retirement.



<a href="https://coloradosun.com/2025/06/16/aging-in-colorado-housing-crisis/" target="_blank" rel="noreferrer noopener">As Colorado Ages, Seniors are Colliding with the Housing Crisis | The Colorado Sun</a> 



The Colorado Sun continues its series on aging in Colorado with an article that explores how the state’s seniors—the fastest-growing demographic group—are finding themselves dealing with the housing affordability crisis as they search for homes that meet their needs.







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News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.

News You Should Know: Social Security, Medicare Finances Worsen

<a href="https://coloradosun.com/2025/06/04/pera-colorado-law-enforcement-funding-deal-proposition-130/" target="_blank" rel="noreferrer noopener">How PERA Could Be the Big Winner of Colorado’s Police Funding Deal | The Colorado Sun</a>



One of the PERA-related bills that lawmakers passed during the recently concluded legislative session uses a unique funding mechanism for the voter-approved Proposition 130, which creates a fund to support public safety in Colorado. Under the bill, the State will give PERA a lump sum of $500 million and then may reduce its annual payments to PERA in future years based on our investment earnings, until the public safety fund reaches a total of $350 million.



<a href="https://www.cbsnews.com/news/social-security-fairness-act-payments-june-2025/" target="_blank" rel="noreferrer noopener">Social Security Says over 2.5 million Retroactive Payments Have Been Processed. Here&#8217;s What to Know. | CBS News</a>



The Social Security Administration says it has processed the majority of retroactive payments due to beneficiaries who had previously been affected by the Windfall Elimination Provision (WEP) and/or Government Pension Offset (GPO). The agency said that while affected individuals should have received their retroactive payments by the end of March and their updated benefit amounts in April, more complicated cases that require manual processing will take more time.



<a href="https://www.npr.org/sections/shots-health-news/2025/06/04/nx-s1-5423538/medicare-drug-price-negotiations-ozempic-otezla" target="_blank" rel="noreferrer noopener">Medicare seeks lower prices for drugs, including Ozempic : Shots &#8211; Health News : NPR</a>



The Centers for Medicare and Medicaid Services has begun its second round of price negotiations with prescription drug manufacturers. The agency is targeting 15 drugs for lower prices, including popular weight-loss medications Ozempic and Wegovy. Any lower prices would go into effect in 2027.



<a href="https://www.investopedia.com/emergency-fund-for-retirement-11741359" target="_blank" rel="noreferrer noopener">Retired? Here&#8217;s 5 Reasons You Still Need an Emergency Fund—Plus How Much It Should Cover | Investopedia</a>



If you’re retired, you may be thinking more about withdrawals from your savings rather than stashing away extra cash, but experts say it’s important to keep saving. Unexpected expenses such as medical bills, home repairs, and other emergencies can wreak havoc on any budget and especially for someone on a fixed income.



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News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.

News You Should Know: PERA Could Benefit from Public Safety Law

<a href="https://coloradosun.com/2025/05/20/colorado-aging-demographics/" target="_blank" rel="noreferrer noopener">Colorado’s Median Age is Nearing 40 — and Getting Older. Here’s What That Looks Like. | The Colorado Sun</a>



Colorado has long been one of the “youngest” states in the country as measured by median age of its population, but that’s changing as birth rates and migration into the state have declined. The Centennial State’s median age has crept up to 37.9 years old, which is still one of the lowest in the nation, but our state is now aging at the third-fastest rate.



<a href="https://www.kiplinger.com/retirement/401ks/new-bill-would-lower-age-to-contribute-to-401k-to-18-from-21" target="_blank" rel="noreferrer noopener">New Bill Would Lower Age to Contribute to 401(k)s to 18 from 21. What You Need to Know | Kiplinger</a>



Federal lawmakers have reintroduced a bill that seeks to expand access to employer-based retirement plans like 401(k)s for younger workers. The Helping Young Americans Save for Retirement Act would lower the minimum required age to 18 from 21 and make it easier for employers to offer plans to those workers.



<a href="https://www.aarp.org/health/conditions-treatments/fda-approves-alzheimers-blood-test/" target="_blank" rel="noreferrer noopener">What to Know about the First FDA-Cleared Blood Test for Alzheimer’s Disease | AARP</a>



The Food and Drug Administration has for the first time given approval to a blood test that can help diagnose Alzheimer’s disease. Diagnosing Alzheimer’s traditionally involves brain imaging and invasive procedures like lumbar punctures, so doctors hope a simple blood test will make it easier to identify the disease. &nbsp;



<a href="https://www.realsimple.com/signs-you-are-aging-well-11739429" target="_blank" rel="noreferrer noopener">5 Subtle Signs You’re Aging Well, According to Longevity Experts | Real Simple</a>



We hear a lot about aging and some of the health concerns and other issues that can arise, but how do you know you’re aging well? Here are five things that medical experts say are good signs you’re living your best life as you get older.



News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.

News You Should Know: Colorado is Getting Older Faster

<a href="https://www.aspentimes.com/news/colorado-legislature-votes-to-add-financial-literacy-to-list-of-high-school-graduation-requirements/" target="_blank" rel="noreferrer noopener">Colorado Legislature Votes to Add Financial Literacy to List of High School Graduation Requirements | The Aspen Times</a>



Students in all of Colorado’s public school districts may soon be required to take a course in financial literacy to graduate from high school. House Bill 1192, which passed the Legislature, also directs school districts to provide students with help filling out financial aid forms. If signed into law, the bill takes effect for students starting high school in 2026 and later.



<a href="https://www.newsnationnow.com/business/your-money/social-security-fairness-act-increase-missing/" target="_blank" rel="noreferrer noopener">Social Security Benefit Increase Missing? Here&#8217;s What to Do | NewsNation</a>



Many retirees who were previously affected by the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO) have received their new Social Security benefit payments and any applicable retroactive payments by now. However, officials said some more complicated cases would need manual processing and would take additional time. Here’s the latest on where things stand.



<a href="https://www.napa-net.org/news/2025/4/hickenlooper-reintroduces-federally-run-retirement-plan-bill/?utm_source=MagnetMail&amp;utm_medium=email&amp;utm_term=ksevits%40copera%2Eorg&amp;utm_content=COM%5FNAPA%5FeNews%5F05%2E02%2E2025%5FDaily%5FFri&amp;utm_campaign=Hickenlooper%20Reintroduces%20Federally%20Run%20Retirement%20Plan%20Bill" target="_blank" rel="noreferrer noopener">Hickenlooper Reintroduces Federally Run Retirement Plan Bill | National Association of Plan Advisors</a>



Sen. John Hickenlooper (D-CO) has reintroduced a bill that would create a federally run retirement plan to cover private-sector workers who aren’t covered through their employer. Supporters say the bill would improve the retirement security of lower-income workers, but the bill has faced opposition in the past from those who argue a federal plan would crowd out existing employer-based retirement plans.



<a href="https://finance.yahoo.com/news/20-most-searched-financial-terms-150116759.html" target="_blank" rel="noreferrer noopener">20 Most Searched Financial Terms in the US | GoBankingRates via Yahoo! Finance</a>



When it comes to assessing what Americans know about money and what they don’t, you can learn a lot from online searches. A new study looked at which financial words and phrases people search Google for the most, and the results show a wide range of terms such as interest rates, capital, and equity. Here are the most-searched terms and explanations of what they mean.



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News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.

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