Older consumers in the Land of Rising Sun may be more realistic about their future financial needs than residents of the United States or United Kingdom are.

Researchers at the Simsbury, Conn.-based retirement services arm of Hartford Financial Services Group Inc. have presented figures supporting that conclusion in a summary of results of a recent Internet survey of 750 people in the United States, the United Kingdom and Japan.

Only about 30% of the U.S. and U.K. survey participants said they are very or extremely concerned about having enough money in retirement, but about 60% of the Japanese participants said they are very or extremely concerned about their retirement finances.

About 76% of the Japanese participants said having a source of guaranteed income in retirement is extremely or very important, compared with just 58% of the U.S. and 47% of the U.K. participants.