08/09/2026
Workers often assume their 401(k) will be their main source of retirement income. But for most current retirees, it isn't.
Pensions, 401(k) withdrawals, and IRA distributions are a meaningful part of retirement income, but they aren’t the whole picture. Here are some other key places to pull income from after you stop working.
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Less than half of retirees say a workplace plan is providing income, while current workers expect 401(k)s to carry retirement. The balances show why—and IRAs complicate the picture.
