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Projecting and generating retirement income relies on a broad approach encompassing income projections, retirement planning tools and retirement income products.

Key Takeaways Projections are down.

Key Takeaways Raises of at least 4% are projected.

While the 2026 projection trails those from the previous three years, it remains more robust than the general 3% projections that were prominent for most of the past decade-plus.

The main retirement fund (OASI) alone is projected to hit the depletion point in late 2032, triggering an automatic benefit reduction of 22%unless Congress passes legislation to shore up programfinances.Last year’s report projected the OASI fund would be depleted in 2033.

The survey found 2024 salary increase budget projections to be slightly higher than the 4% increases projected by 2,090 organizations in WTW’s survey and significantly higher than the 3.8% increases projected by 1,757 organizations in Payscale’s survey .

2025 Salary Increase Budgets Moderate; 2026 Projections Indicate Further Contraction July 31, 2025 Scottsdale , Arizona  — A year ago, participants in WorldatWork’s 2024-2025 Salary Budget Survey predicted a decline in salary increase budgets for 2025 across most of the world.

What’s more, the survey revealed this level is expected to be maintained, as a 4.1% average increased budget is projected for 2023.

Engineering majors are expected to be the Class of 2024’s top-paid graduates, and their projected average salary of $76,736 represents a 3.1% increase over last year’s projections.

Salary Increase Budgets Reach 20-Year High Annual WorldatWork Survey Reveals Average Salary Increase Budgets Were 4.1% in 2022 and Projected at 4.1% in 2023.