Retirement income plans remain under the radar despite the majority of people admitting that they do not have enough superannuation for their future, according to a survey from Investment Trends.

The survey showed that 67 per cent of superannuation savers admitted they did not have enough money to reach their desired retirement income, however, only 34 per cent had a requirement income plan.

Just 10 per cent had a plan taking into account potential falls in financial markets, according to the survey.

People were looking to invest in retirement income streams, however, such products were favoured by the wealthy.

The survey found that 26 per cent of superannuation savers expected to transfer at least part of their superannuation to an income stream once they retire.

"The sweet spot for retirement income stream products appears to be those with at least $500,000 in super assets," Investment Trends principal Mark Johnston said.

"Among this group, almost half plan to make some use of income products. So even though a minority of accumulators plan to use income streams, that minority is skewed towards investors with a relatively high level of super savings.

"That's good news for income stream providers targeting affluent clients," he said. 

About 52 per cent of people looking to invest in retirement income products said they would remain with their current superannuation provider.

The 2009 Retirement Income Report surveyed 2,861 people aged over 40 including those of working age and retirees.