Workers with the most time to prepare for retirement are themost stressed about their abilility to adequately save between nowand their golden years, according to the most recent Merrill Edgereport from Merrill Lynch.

Gen Xers and millennials were more likely toanticipate saving shortfalls than were baby boomersand those already retired.

The survey examined savers with $50,000 to $250,000 ininvestable assets. Among the cohort, 74% of Gen Xers and 67% ofmillennials are predicting financial stress in retirement, givenhow much they are saving now.

But 59% of current retirees surveyed say they are notstressed over finances, and 73% say they will have enough to liveon through retirement, compared to 57% of non-retirees.

Older investors are upping their financial planning game byturning more frequently to modern tools.

Those counter-intuitive figures are instructive, Aron Levine,head of Merrill Lynch, said.

“It's natural to be more concerned about an immediate issueversus something that's well down the road,” Levine reasoned in avideo release accompanying the study's results. “That's why thelatest results surprised us.”

He speculated that younger savers and pre-retirees might bemore anxious because they will have to rely on their own savingsand investments at greater rates than retirees, more of whom haveguaranteed income streams from defined benefit plans.

Today's savers should take note that fewer retirees aresuffering anxiety in retirement.

“Younger Americans can learn from their experience – thatpreparation pays off,” he said.

Four in 10 retirees said they invested outside of a workplaceretirement account in order to maximize retirement assets, whileonly 24% of non-retirees either do, or are able to do the same.

About 63% of the retirees surveyed contributed to a workplacesavings account, while only 57% of non-retirees said they are doingso.

Less than one-quarter of pre-retirees are working witha financial advisor, while 38% of retirees saidthey utilized formal advice in preparing for retirement.

About half of workers non-retired said they plan on working atleast part time into retirement, while only 20% of retirees saidthey are, or plan on working in retirement.

Predictably, more millennials are turning to technology to planfor retirement – 27% said they use websites or apps to managefunds, compared to 16% of Gen Xers, 11% of baby boomers, and 5% ofretirees.