High-net-worth investors still have high expectations of market returns, and the average 5.8 percent they've made on their investments shows they might be right.

A majority of younger Americans expect to work after they retire and to do so because they want to stay active and involved, according to research released Monday by T. Rowe Price.

The study reported that all populations found retirement planning to be a daunting task. However, Hispanics felt the least prepared, with 54 percent saying they felt not very or not at all prepared.