Cross your fingers for a positive outcome after this year's election theatrics finally die down – America's retirement options are looking pretty shaky in the meantime and stability is definitely a much-desired virtue.

That's the sense one gets from the numbers in the most recent National Retirement Risk Index statement, with the risk factor escalating dangerously.

In fact, the 9 percentage jump in the index – a metric tracked by the Boston College Center for Retirement Research, itself underwritten by Prudential Financial – now brings the Risk Index to indicate that 53 percent of American households stand at risk of being unable to maintain their pre-retirement standard of living, after retirement. The data is partially based on the Federal Reserve's 2010 Survey of Consumer Finances.

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