Americans believe their personal finances will improve over the next year, and, according to a survey from The Hartford, this is translating into more people saving for retirement.

The Hartford found that participation in 401(k)s and other defined contribution retirement plans by employed adults rose to 76 percent overall in 2011, up from 71 percent from a year ago and up 63 percent from two years ago.

"Americans are known for their optimism and that is being reflected in their increasing participation in retirement plans, even as the economy continues to struggle," said E. Thomas Foster Jr., vice president for The Hartford's Retirement Plans Group. "More people say they are saving for retirement and focusing on reaching their retirement savings goals. It's a promising time for employers and financial advisors to promote the importance of retirement savings."