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Retirement Savings Reach Record Levels Amidst Declining Confidence

• •Fidelity Investments' Q1 2026 retirement analysis reveals that both 401(k) and 403(b) total savings rates hit record levels, with 401(k) savers nearing Fidelity's suggested 15% combined savings rate at 14.4%. This surge in savings occurred despite ongoing market volatility, indicating a strong commitment to retirement planning among many workers.[Businesswire, Experian]
• •Despite these record savings rates, a 2026 Retirement Confidence Survey from the Employee Benefit Research Institute (EBRI) and Greenwald Research found that only 64% of Americans feel confident about having enough money for a comfortable retirement, a decrease from the previous year. Worker confidence saw a 6 percentage point drop to 61%, with 4 in 5 workers expressing worry about potential government changes to the U.S. retirement system.[Experian, Forbes]
• •Significant changes are coming to federal student loan repayment, with two new tiered repayment plans set to launch in four weeks. The Repayment Assistance Plan (RAP) will replace older plans on July 1, 2026, basing payments on adjusted gross income and waiving unpaid interest, which could particularly benefit lower earners.[Forbes, Youtube]