Younger investors in particular are taking more investment risks than they have since 2010, with nearly a third being comfortable with volatility. Retirees, however, aren’t taking any chances. And while nearly all respondents said they wish they were saving more, optimism is by far not the only emotion they’re experiencing; in fact, 35 percent of younger Americans now say they’re experiencing high or moderate anxiety. That’s up from 27 percent in 2014.

Less than a third of those saving for retirement believe they’re on track to achieve their goals — and that’s down 7 percent from two years ago. The decrease was across all age levels, with the biggest decrease, as might be expected, among those closest to retirement. In that group, which Hearts & Wallets termed “late careers” — those aged 53-64 — optimism about their retirement savings fell 5 points in a single year.

And 31 percent saving for retirement are unsure how they will fund their retirement, especially households with less than $100,000 in investable assets.

In addition, consumers looking to find retirement income are becoming more open to using resources offered by their employer-sponsored retirement savings plans. Those aged 40–52 are now as receptive as younger consumers, with 45 percent agreeing they would “use retirement planning resources provided through my employer, or would if they were offered.”