Just more than half of Americans, 52 percent, are not invested in the stock market, according to a Bankrate survey. 

For most of those who are not invested (53 percent), the reason is cut-and-dried: they simply don't have the extra money to invest. 

Regardless of the reason, opting out of the stock market will likely mean less for people to retire on. 

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Nick Thornton

Nick Thornton is a financial writer covering retirement and health care issues for BenefitsPRO and ALM Media. He greatly enjoys learning from the vast minds in the legal, academic, advisory and money management communities when covering the retirement space. He's also written on international marketing trends, financial institution risk management, defense and energy issues, the restaurant industry in New York City, surfing, cigars, rum, travel, and fishing. When not writing, he's pushing into some land or water.