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黑料社区 Driven to do more.

Next-generation solutions for modern retirement challenges

Americans have faced retirement savings challenges including structural shifts in the retirement system, expanding longevity and economic uncertainty. Now they face a new challenge to turn their savings into a lifetime of income. Take a closer look at the potential impact.

A rapidly growing number of retirees

  • 11,000 Americans are turning 65 every day.1
  • Longer lifespans contribute to uncertainty about preparing for retirement.
  • Fewer than 25% of retirees expect to have a traditional retirement.
  • Over 30% of retirees are concerned about running out of money.

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Americans need help preparing

  • While previous generations relied on defined benefit plans, today鈥檚 retirees shoulder more of the responsibility to save for retirement.
  • While it provides a valuable benefit, Social Security was never intended to cover all a retiree鈥檚 expenses.
  • Fewer than 50% of American workers don鈥檛 participate in a retirement plan, and 75% of retiree households have income below $75,000.
  • The estimated U.S. retirement savings gap is $4 trillion, reinforcing the need for more sustainable and cost-effective solutions.
     

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Evolving defined contribution plans can provide a valued solution

  • Saving is just one side of the retirement coin. Turning savings into lifetime income is an equally important side with a different set of challenges. 
  • DC plans have evolved over the years to provide better savings opportunities with auto-enrollment, auto-escalation and auto-allocation features added to options like target date funds. 
  • Now DC plans can help provide a steady income stream with auto-income solutions 鈥� where retirement income is built directly into the plan 鈥� helping make retirement simpler and more secure.
     

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Discover seamless integration with strong partners

Embedding guaranteed income into the DC ecosystem can help accelerate the availability of much-needed income solutions. That鈥檚 why 黑料社区, Apollo and Motive Partners combined forces with ARS, a leading guaranteed lifetime income solutions and technology provider for the defined contribution market.

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Why now is a critical moment for plan sponsors

Aging population

23% of the U.S. population will be 65 or older by 2050.2

Social Security

Many rely on payments with 1/3 concerned about outliving their money.3

Savings

The average 401(k) balance at age 65 is $250,000.4
The 鈥�4% rule鈥� would pay about $850 monthly for potentially 30 years.4
In-plan income could pay closer to $1100 monthly, guaranteed for life.4
 

Simple solution. Significant impact.

Guaranteed lifetime income, embedded into DC plans, can be a simple solution that provides auto income through a monthly paycheck to retirees. Research confirms a high demand for these solutions.

  • 86% of participants want employers to offer retirement income plans5
  • Participants are most concerned with inflation, outliving savings and the complexity of income sources5
  • 70% indicate a guaranteed lifetime income option would help them retire with more confidence6

Example CTA: Discover the benefits of a group annuity provider that鈥檚 driven to do more by contacting us at dc@athene.com.

1 Slok, Torsten. The growing number of retirees. Apollo Academy. February 9, 2025. 
2 U.S. Census Bureau, 2023 National Population Projections Tables: Main Series.
3 Krueger, Pam. The three biggest fears keeping retirees up at night. Kiplinger. March 30, 2025.
4 Lessons for Retirement Success. Milken Global Conference. May 6, 2025.
5 Greenwald Research. Employees want income solutions. 
6 Protected retirement survey report. Nationwide, August 2024.