"These tend to be very sticky decisions, because you begin to budget and spend around a higher savings rate, " said John Sweeney, an executive vice president on retirement and investing with Boston-based Fidelity.
The survey was conducted for Fidelity by the firm GfK. Fidelity, the second-largest U.S. mutual fund company behind Vanguard basedon fund assets, was not identified to the 1, 154 survey participants as the sponsor.