Self-directed investors beyond the age of 50 have serious concerns amid the current economic environment, but most are sticking to their investments — and their financial advisors, if they have one — according to a recent report.

Eighty-six percent of such investors are concerned or very concerned about inflation, while 79% are worried about the stock market, Janus Henderson Investors says it found in a survey of 1,926 self-directed U.S. investors who have established accounts directly with the firm, are age 50 or older, and are the sole or shared financial decision-makers for their households. The company noted that some of the investors "may consult with an advisor for other aspects of their wealth."

The survey was fielded in October.

Janus says it also found that 45% of investors are experiencing diminishing confidence about being able to save enough for retirement.

Nonetheless, only 13% of investors have dumped stocks and bonds to get into cash, according to the report.

Moreover, 9% of respondents have hired, or plan to hire, a financial advisor this year, while merely 2% are planning to change theirs as a result of the market downturn, Janus says it found.

To brace against inflation and the market downturn, 49% of respondents say they have or will cut spending, according to the report.

"The good news is that many investors are taking the common-sense approach of reducing their spending and not moving out of stocks in response to this year's challenging market environment," Matt Sommer, head of Janus' defined contribution and wealth advisor services team, said in a press release accompanying the survey's findings. "It's also encouraging to see that some are seeking the advice of a professional advisor to navigate the current market uncertainty."

Janus adds that the decision to not move into cash may be a product of optimism: 60% of investors think the S&P 500 will be higher a year from now, while only 26% believe it will be lower and 14% think it will be roughly unchanged.