The country's first monthly measure of what retirees actually fear
A composite index of the ten fears U.S. retirees and pre-retirees carry — tracked every month, so you can see what's rising, what's easing, and what it means for the decisions ahead.
Twelve-month trail
The Index is anchored to December 2025 = 100. Hover any point to see what drove that month.
This month's sentiment map
A live map of retiree fear: which of the ten categories are running hot, which are cooling, and where attention is concentrated this month. Tile color shows intensity; the arrow shows month-over-month change.
Running hot in July 2026: Social Security & Pension Insolvency (+8), Outliving Savings / Longevity Risk (+6), Market Volatility & Sequence-of-Returns (+4). Cooling: Inflation & Rising Everyday Costs (-4).
The ten master fears
Each category carries a fixed weight (its share of the total fear pie) and a monthly intensity score where 100 is the baseline. Sort by either.
Who can benefit
An index is only as useful as the decisions it changes. The same number lands differently depending on where you stand. Here it is, four ways.
If you are a pre-retiree
You still have time. That is the whole point. Fear is running 16% above its long-run baseline, and the two biggest drivers — Healthcare and Social Security — are both areas where pre-retirement decisions move the needle far more than post-retirement reactions.
- Use this window to work with an advisor who can help you navigate both money fears and life fears — and put each in perspective well before you hit retirement. You still have a lot of time to improve or make changes.
- The opportunity is a deeper, richer retirement, achieved by knowing your fears, overcoming uncertainty, and making a better plan now rather than later.
- Use these next years to develop both financial and non-financial plans for the fears the Index makes visible — not just savings rate and asset allocation, but identity, purpose, and the social architecture of life after work.
- Think about how your current fears may play out in 2 to 15 years once you actually hit retirement. Which fears will compound? Which will fade? Where will the uncertainty actually land?
- Learn how your fears connect to your core — and to your core values. Healthcare fear is rarely about healthcare in the abstract. It is usually about not wanting to be a burden, or not wanting to lose autonomy. Naming the value underneath the fear changes what "planning" looks like.
The Index is not a stress meter. It is an attention map — it tells you where to look this month, and what conversation to have next.
How it works
Most retirement research is written in the language of risk. People don't act on risk — they act on fear. The Index translates one into the other.
What it is
A monthly composite of ten retiree-named fears, with a ±2-point confidence band and a published methodology. Anchored to December 2025 = 100.
How it works
Translates risk concepts — longevity, sequence-of-returns, inflation, policy — into human-centered emotions people can choose to act on. Built from surveys, news signal, and event triggers.
Why it matters
Name the fear, size it against everyone else, and decide what to do. About 70% of these fears can be addressed through planning and coaching. The other 30% live in a deeper place.
Downloads
The full research behind the Index, free to read, cite, and share with attribution.