What does “minimum retirement savings by state” mean?

It is a benchmark for the pot size needed to retire at 65 in each U.S. state. The study uses local living costs, expected Social Security income, and a 4% withdrawal rate. It is a guide, not a rule, and your own budget, taxes, and healthcare choices may change the target.

Is the 4% rule still safe to use in 2026?

It is a useful starting point, not a guarantee. Market returns, fees, and inflation change the safe rate. Many retirees use 3.5% to 4% with flexibility, trimming withdrawals after poor years and raising them after strong years. A cash buffer and low fees improve your odds.

How should UK investors convert U.S. targets into GBP?

Keep the original USD figure from the study, then apply the current GBP/USD rate used by your broker or bank. Add a cushion for currency swings and inflation. Update the conversion yearly or when planning a big decision, such as a home purchase or annuity buy.

Which sectors benefit if retirees move to lower-cost states?

Property services, homebuilders, and healthcare providers near popular retiree markets can see demand rise. Financial firms offering annuities, drawdown platforms, and low-cost funds also benefit as retirees seek reliable income. Lower-tax states can attract more asset flows, which supports local banks and wealth managers.

Global Market Insights

January 19: Retire at 65 – Savings Needed in Every U.S. State

ByDanny Kontos January 19, 2026January 19, 2026

A fresh U.S. study puts the focus on minimum retirement savings by state, with needs ranging from about $735,000 in Oklahoma to $2.2 million in Hawaii to retire at 65. The list uses state cost of living, Social Security offsets, and the 4% rule. For UK investors, these numbers matter if you plan to move, support family in the U.S., or hold U.S. assets. We break down the findings and turn them into clear planning steps.