• Morningstar research projects universal automated savings policies could raise retirement readiness for Gen Z, millennial and Gen X households.
• The share projected to cover retirement expenses could rise to 67% from 59% under the modeled policy scenario.
• Retirement readiness could increase 12 percentage points for Gen Z households and 10 percentage points for millennials.
• Gen X households could gain 5 percentage points; lower- and middle-income households could benefit more than higher-income households.
• The scenario combines expanded retirement savings access, automatic savings provisions and an expanded Saver's Match.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Morningstar Inc. published the original content used to generate this news brief via Business Wire (Ref. ID: 202611121615BIZWIRE_USPR_____20261112_BW237920) on November 12, 2026, and is solely responsible for the information contained therein.