Many millennials aren’t doing anything toprepare for retirement.

That’s according to a survey from Invstr, a social finance app, which took thefinancial pulse of millennials andfound that 48.75 percent said they had neither a pension nor aretirement investment account.

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Of those who do, 27.25 percent said they had a 401(k) or IRA,12.35 percent said they had a personal retirement investmentaccount and 11.65 percent said they had both a company pension anda personal retirement investment account.

The survey also found that millennials’ financial literacyleaves a lot to be desired. Asked about their attitudes towardtheir financial futures, 51.60 percent of respondents said theywere worried and wanted to do something about it while 18.8 percentsaid they were worried but didn’t know what to do.

Thirty percent trusted their friends to give them financialadvice, 62.15 percent trusted family and 36.4 percent relied onthemselves.

But 40.6 percent have not invested in any of the choices given:an IRA, a 401(k), the stock market, bonds andcommodities, mutual funds, bitcoin, gold or crowdfunding.

Just 18.9 percent said they’d invested in an IRA, while 40.5percent had done so in a 401(k); surprisingly, 6.3 percent hadopted for gold and nearly the same percentages had chosen eitherbitcoin (3.4 percent) or crowdfunding (3.2 percent).

Considering that only 62.35 percent said they were familiar with401(k)s and 39.35 percent were familiar with IRAs, perhaps thepopularity of those less conventional methods of investingshouldn’t be so surprising; after all, 7.35 percent said they werefamiliar with neither type of retirement savings account, nor evenwith regular savings accounts.

Almost 35 percent of respondents were not comfortable investingin the stock market, and an additional 38 percent were only“somewhat comfortable” — while most were clueless about thecontribution limit for IRAs in the 2015/2016 tax year; 80 percentgot it wrong when asked.

And 77 percent of respondents did a majority of their bankingand investing via mobile devices, tablets or computers.