A full 45 percent of non-retired Americans are not saving forretirement, according to a study by financial services firm EdwardJones.

The study, based on interviews with 1,009 Americans both retiredand non-retired, further found that 8 percent said they had nointention to save for retirement at all at any point in theirlives.

The study indicated that 58 percent of the youngest populationpolled, those in the 18-34 age bracket, had not yet started savingfor retirement. However, 90 percent of those who were polled inthis age bracket said that they plan to start saving in their 30sor earlier.

As is often the case, older Americans polled tended to say theywere doing more saving for retirement than younger respondents.

While 49 percent of those 35 to 44 said they were already savingand 40 percent said they had not started saving but plan to, 64percent of those in that age group said they started saving intheir 30s or earlier.

Of those polled, 22 percent answered that they began or willstart saving in their 40s and 50s.