Fewer than half of investors have a financial plan, while even those who do may be seriously underestimating the amount of money they need to save for retirement, according to Natixis Global Asset Management's Global Investor Insights Survey.

Despite those troubling findings, most American investors who responded to the survey also said they are optimistic their finances will improve in the next year and the majority is confident their current investment approach has them on track to meeting their retirement goals.

Natixis, which is one of the world's largest asset managers, surveyed 750 investors in the U.S. as part of its global investor survey. It found that 54 percent of those it surveyed don't have a financial plan.

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