PRINCETON, N.J., April 28 (UPI) -- The average non-retired U.S. adult expects to retire at age 67, up from age 60 in the mid-1990s, a Gallup Poll indicates. 

Gallup's annual Economy and Personal Finance survey, conducted April 9-12, found 26 percent of non-retirees expect to retire before age 65, with 27 percent expecting to retire at age 65 and 39 percent after age 65. 

The percentage that expects to retire after age 65 was up from 21 percent in 2002 and 12 percent in 1995.

In addition, Gallup found an increase in the average age at which retirees actually retired -- from age 57 in 1991 to age 60 today. The average retirement age first reached 60 in 2004 and has generally held there since. 

That average should increase in future years if current non-retirees delay retirement, as they say they will. 

However, younger non-retirees were more optimistic about being able to retire at an earlier age than those closer to retirement. Those currently age 40 and under expect to retire at age 65, compared with an expected retirement age of 68 for those 40 and older -- a statistically significant difference.

The survey also indicated a new low of 38 percent of non-retirees who said they will have enough money to live comfortably in retirement, down slightly from 42 percent last year and 59 percent in 2002. 

The margin of error has a range of 5 percentage points to 7 percentage points.