Young woman stretching in a field

Goal-setting really works

When retirement plan participants set goals, it positively impacts their savings rates and their confidence.

Setting goals drives positive behavior

Participants who set goals are more likely to save more for retirement and are more likely to feel confident about retirement—even in the face of competing priorities. Tools and calculators—along with one-on-ones with professionals—are making an impact by helping participants set goals.1

12% - The median deferral rate for participants who set a specific goal for how much they want to save. Twice as high as participants who have no goal.


Providing participants with education and support around setting goals and maximizing their dollars can help them meet their needs both today and in the future.

1 Lincoln Retirement Power® Participant Study, 2017.
2 Ibid