Investment experts: $1 million saved isn’t enough for retirement anymore.

You’d better double – or even triple – that old benchmark these days, say the people who know:

Scottrade recently polled 226 registered investment advisers on the topic and found that 71% don’t believe $1 million is enough for the average American family. Most said families need to save double, or more than triple, the amount.

“Younger generations, especially, need to set their retirement goals higher than other generations and start saving as early as possible,” says Craig Hogan, Scottrade’s director of customer-relationship management and reporting.

…Generation Y (ages 18 to 26) needs to save at least $2 million, according to 77% of advisers. Forty percent put the figure at $3 million.

Nearly half of advisers (46%) said Generation X (ages 27 to 42) should at least double the $1 million goal. Twenty-two percent suggested more than $3 million.

For Boomers (ages 43 to 64), 35% recommended $2 million to $3 million. Thirty percent suggested $1.5 million to $2 million.

Pshaw. Haven’t these people been paying attention? You don’t have to save any money anymore. The government is going to take care of everything.

UPDATE – I had another thought. That’s two today. I’m gonna be exhausted later.

I wonder how many people are starting to worry that their investment accounts are just going to become new targets? Piggy banks, to be tapped in the name of Big Government Services?