A recent survey ranks employees and retirees from 15 nations based on personal responsibility, level of awareness, financial capability/understanding, retirement planning, financial preparedness and income replacement.

NOT READY: More than half the respondents received a low score, meaning they were least prepared. Those from India, the U.S. and Brazil received the highest scores, meaning they were most prepared.

AGE, GENDER GAPS: Women and younger workers are the highest risk groups. Fifty-seven percent of women received a low score; lower scores were more dominant among those ages 18 to 44.

MORE PLANNING NEEDED: Forty-three percent of those surveyed globally did not have or were unaware if they had a retirement strategy.

LOOKING TO BIG BROTHER: Reliance on government benefits is widespread. Overall, 45% of respondents expect their national government to fund retirement.