Many U.S. workers say they will cut holiday spending and overall monthly discretionary spending, but most say they will try to keep up retirement plan contributions.

Researchers from Principal Financial Group Inc., Des Moines, Iowa, has published those findings in a summary of results from an October survey of 1,179 U.S. adults ages 18 and older who work at U.S. businesses with 10 to 1,000 employees.

The percentage of workers who said they fear their employer could go out of business in the coming year has increased to 10%, up from 6% a year ago.

About 66% of workers said they had cut their overall spending during the past 2 months, and 53% said they will spend less on holiday gifts.

About 25% of the workers said they would give less to charity.

But 90% of the participants who are participating in retirement plans said they had not cut plan contributions or drawn on plan assets, and 11% said they had increased the amount they are saving.