Almost two-thirds of Americans have not garnered substantial gains from the stock market surge and 10 percent say their stock gains will provide enough for early retirement, according to a recent survey by Keyport Life Insurance Co.

At the same time, three-fourths of Americans currently working say that they will be able to at least maintain, and perhaps even increase, their standard of living in retirement. While 52 percent are unable to estimate how much money they will need to retire and maintain what they consider a desirable lifestyle, 26 percent estimate that $100,000 or less will be adequate for retirement in their current lifestyle. But this expectation may be a pipe dream, according to Keyport.

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