This 2013 report is based on findings from the second annual Aegon Retirement Readiness Survey, which analyzed multi-year trends and assesses the retirement expectations of 11,000 workers in 12 countries spanning Europe, the Americas, Asia and Australia. This report finds that the aspiration to save for retirement remains surprisingly strong for employees in their twenties. As the squeeze on household incomes places constraints on their ability to save, it is necessary to improve access to retirement products, preferably with clear tax benefits, and to better financial education and advice.