The U.S. continues to struggle to meet the retirement savings challenge. Accordingto a Vanguard study published earlier this year, the average 401(k)plan held a little more than $96,000 in assets in 2015; for themedian plan, the number was just $26,400.

A 2014 study by the Employee Benefit Research Institute foundthat about 40 percent of 401(k) plan participants had lessthan $10,000 in their accounts.

Estimates vary widely as to how much the average investor needsto have saved for retirement, but no matter which calculator oneuses, these figures show a staggering gap between where people’ssavings are now and where they will need to be when they stopworking.

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