Most investors between the ages of 21 and 50 are focused on saving for retirement, but most are not saving enough.

An online survey conducted by Harris Interactive on behalf of T. Rowe Price in August also found that some investors are not even sure how much they are saving.

The survey also found that nine out of 10 of those surveyed who had access to an employer's 401(k) plan are currently contributing to the plan. Seventy-two percent said that saving for retirement is their top financial goal, followed by maintaining or improving their current lifestyle (50 percent), creating or adding to an emergency fund (36 percent) and paying off debt (34 percent), such as credit card balances.

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