People who find it easiest to financially prepare for retirement have four behavioral traits, a new survey shows. Yet just 10% of workers have all of these "optimal" characteristics, according to the survey findings, from Goldman Sachs Asset Management in collaboration with Syntoniq, a behavioral finance research organization. The behaviors help retirement savers turn their intentions into action, according to the July survey of 5,261 workers and retirees. Previous Goldman Sachs research has found competing life priorities — such as the need to pay down student loans, provide care for other family members or other financial hardships — may reduce workers' retirement savings by up to 37%. The research led to the discovery of the four traits, which are "not inherently things that you would think about for retirement," Ceder said.

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Persons: Syntoniq, Goldman Sachs, Gen Z, Chris Ceder, Ceder Organizations: Goldman Sachs Asset Management, Finance, Research, Greenwald Research