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Consumers have unrealistic expectations about retirement, including when they will retire, how much money they will need and where it will come from, according to a survey by Genworth Financial Inc.

The study revealed that 73 percent of pre-retirees are confident they will retire as planned, but only 48 percent of retirees actually leave the workforce when they expect. Out of more than 1,300 people surveyed, including 700 retirees, 46 percent said they had to retire sooner than planned.

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