Two years of economic turmoil has not been enough of a motivator to get Americans to adjust their retirement investments, according to ING DIRECT. Half of respondents to its online survey say they have “no clue” how much they will need for retirement.

While 60 percent say they are more concerned than six months ago with saving enough and having the right type of plan for retirement , one-fifth are contributing less to retirement than a year ago and almost 20 percent see themselves “banking” on Social Security as their main source of retirement income.

“Now is the time to stop brushing the topic of retirement under the rug, and take matters into your own hands. Review your long-term financial goals and develop a responsible retirement plan that works well for you,” advises Arkadi Kuhlmann, president of ING DIRECT USA.