How much do you need to save in order to fund your desired standard of living in retirement? More than you think, according to a new study. Dramatically more. The reasons for this gap between the rates at which Americans are saving for retirement and the rates at which they should be saving? Low returns, longer lives and legacy goals. To read about what these factors mean for retirement saving – and for the author’s advice on what retirement savers should do in this “low-return, long-longevity world” – CLICK HERE.