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Investors are more likely to make a retirement transaction in the year they retire, according to new research by Cerulli Associates. 

The retirement industry has focused much attention on pre-retirees and ways to gain their retirement assets, but Cerulli’s research shows that most people aren’t that prepared for retirement five years before they turn 65. Many procrastinate and some younger investors don’t see the urgency in planning or the concept of retirement is too ambiguous, according to the company.

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