Pure Benchmarks · Retirement

Am I On Track for Retirement?

DALBAR's 2024 Quantitative Analysis of Investor Behavior found retail investors correctly timed market entries and exits only 25 percent of the time, tying a record low — confirming that retirement anxiety driven by the absence of objective peer comparison data produces measurably worse financial outcomes. Pure Benchmarks places every connected retirement portfolio into one of nine standardized risk categories and ranks it against real verified investors at the same life stage in the same category — replacing the retirement anxiety that comes from having no measuring stick with the objective data that has always been missing.

Why retirement anxiety is a measurement problem, not a market problem

Most retirement worry comes from having no objective reference point. Without knowing where you stand against comparable investors, ordinary market swings feel like personal failure.

What objective peer data shows about retirement readiness

Peer data converts a vague fear into a ranking: whether your portfolio is above, at, or below real investors at the same life stage in the same risk category.

How Pure Benchmarks answers the retirement readiness question with real data

Pure Benchmarks places every connected retirement portfolio into one of the Pure Nine risk categories and ranks it against real verified investors at the same life stage.

How Hetty answers follow-up questions about your specific situation

Once you see where you rank, Hetty answers the follow-ups — what is driving your position and how your allocation compares — from your real data.

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Frequently asked questions

How do I know if I am on track for retirement?

Pure Benchmarks ranks your connected retirement portfolio against real verified investors at the same life stage in the same risk category, so "on track" becomes a measured position.

How does my retirement savings compare to others?

Your portfolio is placed into one of nine standardized risk categories and ranked against real peers in that category.

Is the retirement benchmark free?

Create a free Pure Benchmarks account to see where your retirement portfolio ranks against real peers.

Am I behind on retirement savings compared to others?

Pure Benchmarks answers it against real verified portfolios rather than survey averages, ranking your account inside one of nine standardized risk categories so the comparison holds risk constant.

Will I outlive my savings?

Pure Benchmarks models withdrawals against your real connected holdings over real historical periods and reports when the portfolio would have run out, including the market conditions that caused it. It makes no prediction about your future.

How long will my money last in retirement?

Hypotheticals prices a withdrawal schedule against your actual holdings across historical windows and reports the ending value or the exhaustion date for each one, so the answer is a range grounded in real price history rather than a single projected number.

How do I know if I have enough saved for retirement?

Pure Benchmarks prices the withdrawals you would need against your real connected holdings across real historical periods and reports the outcome of each one, including the periods where the money would have run out. It makes no prediction about your future.

Is my retirement portfolio performing well enough?

Well enough is measured against real investors carrying the same risk. Pure Benchmarks ranks your retirement accounts inside one of nine standardized risk categories against thousands of verified investor portfolios in that category.

Keep exploring

See how retirement portfolios at a specific firm rank against real peers:

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This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.