June 2022

The Missing Middle. How Tax Incentives for Retirement Savings Leave Middle-Class Families Behind

By Tyler Bond and & Doonan Saving for retirement is one of the biggest financial challenges most working Americans will face. While the vast majority will participate in Social Security, most will have less than half of their income replaced by Social Security in retirement. Therefore, many workers also will need to save for retirement through other plans, such as an employer-provided defined benefit pension plan or 401(k) plan, or on their own through an Individual Retirement Account (IRA). Congress...

LGBT: Retirement Preparations Amid Social Progress

By AEGON LGBT: Retirement Preparations Amid Social Progress is a collaboration between Aegon Center for Longevity and Retirement, and nonprofits Transamerica Center for Retirement Studies® (US), and Instituto de Longevidade Mongeral Aegon (Brazil). The report focuses on the retirement aspirations and plans among the LGBT community, and highlights findings from LGBT survey respondents from nine of the 15 surveyed countries comprising the 6th Annual Aegon Retirement Readiness Survey. Many of the traditional patterns of family and working life, including the way...

The Gender Pensions Gap Report 2022 … and how to close it

By Joanne Segars OBE & Samantha Gould  Lower incomes throughout a woman’s working life will invariably impact their pension savings, creating an obvious pension gap. Furthermore, women who take time away from work to have children or for other caring responsibilities contribute to the widening gulf that we see between men and women’s pension wealth. Three million women are effectively “locked out” of workplace pension saving because they do not meet the £10,000 auto enrolment eligibility criteria. We are on a mission...

Pensiones como política de protección social

La experiencia muestra que casi cualquier sistema de pensiones tiene fortalezas y debilidades y que, dependiendo de coyunturas económicas y políticas, los países tienden a explorar opciones más allá de la rigidez de posturas ideológicas. Las políticas públicas son instrumentos de estado, que procuran orientar la vida en sociedad y sus interacciones sociales y económicas en la dirección definida por el Pacto Social que da sustento a la existencia de ese Estado, mediadas por la orientación ideológico política, los intereses,...

España. Se salva el fondo público de pensiones con casi la mitad del Congreso en contra

El pleno del Congreso dio luz verde este jueves al fondo público de pensiones en una votación, una vez más, excesivamente ajustada para los anhelos del Gobierno sobre un punto fundamental de la reforma de pensiones y que, más allá, pasará en pocos días el examen de la Comisión Europea como una de las condiciones para la llegada de lo fondos para la reconstrucción. Finalmente, el Ejecutivo contó con el apoyo de Unidas Podemos, PNV, Cs, Nueva Canaria, PRC, PDCat...

Perú. Las AFP dieron links para que afiliados constaten su fondo para retirar 4 UIT

Mientras el lunes 13 se iniciará el envío de solicitudes para que los afiliados a las AFP accedan a las 4 UIT (18,400 soles) de sus propias cuentas individuales, las aseguradoras de fondos de pensiones dieron a conocer los link en donde cada aportante podrá consultar su estado de cuenta y establecer cuánto dinero desea retirar. De acuerdo al procedimiento dado a conocer por la SBS, los afiliados tienen un plazo de 90 días calendario para presentar su solicitud de...

Panamá. Jubilados plantean pliego ante comisión del gobierno

Una comisión de alto nivel, encabezada por el viceministro de la Presidencia, Carlos García, atendió ayer por más de seis horasa representantes de la Coordinadora Nacional de Jubilados y Pensionados para buscar alternativas a la falta de medicamentos, nombramiento de médicos especialistas, mejoras en las infraestructuras y equipos hospitalarios, citas médicas y sobre el aumento de las pensiones con los aportes de la minería, entre otros temas. El viceministro García recibió el pliego de peticiones de los jubilados y se...

U.S. prohibits investors from buying Russian debt, stocks

U.S. investors are prohibited from buying both new and existing debt and equity securities issued by an entity in the Russian Federation, according to new Treasury Department guidance. The guidance released Monday clarifies that executive orders signed this year by President Joe Biden encompass bans on Americans purchasing all Russian debt and Russian company shares. U.S. investors are still allowed to hold Russian securities they already hold and purchasing shares in a U.S. fund that contains Russian debt or equity securities...

UK. BMW disputes inclusion on Make My Money Matter net zero target list

BMW has contested its inclusion on a list of the UK’s 20 largest pension schemes to have allegedly not set net zero targets. The roster, compiled by Make My Money Matter, covers schemes with more than £200bn of assets under management, the campaign said. “Investments this size potentially enable 24mn tonnes of carbon to enter our atmosphere every year,” it claimed. The campaign said that it has been contacting the schemes for a year. They are a mix of corporate and...

Five metrics to help investors point their investments toward impact

Do you come from the financial sector? Do you have a genuine interest in impact? Did your firm put you in charge of a small fund and ask you to explore impact investing, hoping you would learn and figure things out along the way? If you feel confident in your ability to make good financial decisions – but wish you had had a chance to develop an instinct for impact honed by years of interaction with impact organizations –...