You get two different answers when you ask Canadians when they want to retire and when they think it'll actually happen.

A survey for Sun Life Financial finds most Canadians want to retire by the time they're 60, but don't think they'll be able to until they're at least 65.

Company president Dean Connor says the survey found a troubling trend among working Canadians.

On average, Canadians expect about 40 percent of their retirement income to come from personal savings, a quarter from a pension plan at work, another quarter from the government, and 9 percent from other sources.

Most Canadians expect to be retired for at least 20 years and two thirds expect to work part time after they retire.