If you aren't saving enough to fund the retirement you want, perhaps because you're too optimistic about future returns, the time to act is now, if not yesterday. (Photo: iStock)

BlackRock, the world’s largest money manager, recently asked a group of Americans in defined-contribution plans, such as 401(k)s, how they’re fixed for retirement. Most said they’re on track to kick back in comfort.

Related: Who’s optimistic about retirement?

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