After the shocks and bumps of the Great Recession, younger baby boomers are already thinking about their retirement plans, and are clear on one thing: When it comes to retirement income, they want guarantees, according Allianz Life Insurance Company of America, which released a study Tuesday.

Almost 84% of younger survey respondents said that the safety of their money mattered more to them than it did a few years ago. With the rapid disappearance of defined benefit programs, a second consecutive year without cost of living adjustments for Social Security recipients, and the stock market ups and downs of 2008 and 2009, respondents do not want to take excessive risks with their money.

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