December 2018
19Dec

Perú. Cooperativas podrán utilizar fondos de las AFP para financiar créditos hipotecarios

Óscar Basso, superintendente adjunto de Cooperativas de la SBS, dijo a gestion.pe que están trabajando en la normativa, que estimó, dinamizará la colocación de créditos hipotecarios. Las cooperativas que operan en el mercado tienen hasta el 1 de abril del 2019 para inscribirse en el Registro Nacional de COOPAC, de la Superintendencia de Banca, Seguros y AFP (SBS ). Una vez que se hayan registrado las cooperativas podrán ampliar y diversificar los productos que ofrecen; "estamos normando temas que tienen que...

December 19, 2018
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19Dec

Pensiones: poco más de una cuarta parte de los españoles ahorra habitualmente para su retiro

España, a la cola en planificación financiera para afrontar el final de la vida laboral, según el Estudio anual para la preparación de la jubilación de Aegon. El trabajador español afronta el final de su vida laboral con optimismo. Según datos de Aegon, el 72% asocia la jubilación con un periodo en el que puede dedicar más tiempo a sí mismo y a la familia, frente a un 48% que liga este periodo de la vida a palabras negativas...

December 19, 2018
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19Dec

How millennials should think about retirement saving

For millennials, retirement may be more of a challenge than for prior generations. They are almost certain to live longer than their parents, so their money will have to last longer and clear more hurdles along the way. For starters, no one really knows what Social Security is going to look like in 30 or 40 years. No matter how Congress adjusts the system over the next decade, younger workers shouldn’t count on receiving the same benefits as their parents. “I...

December 19, 2018
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19Dec

UK. Can The Government Really Help Self-Employed Workers With Their Pensions?

In 2012, the UK Government launched a minimum contribution pension scheme for employed workers, meaning that a proportion of their monthly salary would be automatically withdrawn and saved for them to access at retirement age. The scheme was well-received, with 10 million workers being automatically opted in and only 9% of those enrolled choosing to opt-out. However, this automatic enrolment didn’t account for the self-employed, who make up an estimated 15% of the UK workforce. According to Guy Opperman, Minister for...

December 19, 2018
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19Dec

No-deal Brexit: New government guidance won’t reassure pensioners in France

The UK government released more "no-deal" Brexit guidance on Tuesday aimed at reassuring those citizens living in the France who receive pensions and benefits but the information is unlikely to ease their worries. The British government announced on Tuesday that it would implement its no-deal Brexit contingency plans in full, which will include putting 3,500 troops on standby and reserving ferry space for supplies. With Theresa May's Brexit deal seemingly doomed the government has decided to ramp up its no-deal planning,...

December 19, 2018
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19Dec

US. The states where pensions are safe and where they’re in trouble

Kentucky’s public pension, which was at risk of benefit cuts, may be saved Kentucky has one of the worst public pension plans in the country, but it’s just been saved from getting even worse. The state’s Supreme Court ruled against a reform law that would have cut benefits for public employees, including teachers, law enforcement, firefighters, social workers and government workers. Under the law, workers hired between 2003 and 2008 would have to pay 1% of their salaries for retiree health...

December 19, 2018
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19Dec

How China got a head start in fintech, and why the West won’t catch up

Payment apps like Alipay and WeChat transformed daily life in China. The West won’t see a similar payments revolution—and that might even be a good thing. In 2013 I moved from Paris to Beijing to study China’s financial system. I stayed for two years and became fluent enough to translate economics books from Mandarin into English and give talks on monetary policy in Mandarin. But I never really felt I fit in until I visited again and Alipay finally approved me...

December 19, 2018
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18Dec

Rwanda launches Africa’s first universal digital pension scheme for the mass market

On Friday the 14th December 2018, His Excellency, Paul Kagame, President of the Republic of Rwanda launched the Long Term Savings Scheme named Ejo Heza (Kinyarwanda meaning for “Brighter Future”) during the 16th National Umushyikirano Council (the National Dialogue). The launch was attended by over 2,000 participants that included members of the Cabinet and Parliament, representatives of the Rwandan community abroad, local government, Civil Society Organizations, media and the diplomatic community. The Ejo Heza Scheme offers opportunity and incentives...

December 18, 2018
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18Dec

México. Ahorradores deberán pagar más impuestos en 2019

Para el siguiente año, los ahorradores del sistema financiero mexicano deberán pagar más impuestos por las ganancias o rendimientos que obtengan sobre sus ahorros. De acuerdo con la Ley de Ingresos de la Federación (LIF), enviada por el gobierno de Andrés Manuel López Obrador al Congreso de la Unión para su discusión y aprobación, los intermediarios financieros que paguen intereses a sus clientes deberán retener una mayor proporción de impuestos, más del doble de lo que se retuvo en 2018. “Durante...

December 18, 2018
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18Dec

México. Más del 50% de pensionados por afore, no tendrán acceso al IMSS: Urzúa

Al no alcanzar las 1,250 semanas de cotización, los trabajadores podrán retirar sus ahorros, pero no tendrán acceso a los servicios de salud. Más del 50% de los trabajadores que ahorran en una administradora de fondos para el retiro (afore), no podrán tener acceso a los servicios de salud que da el Instituto Mexicano del Seguro Social (IMSS), expuso Carlos Urzúa Macías, secretario de Hacienda y Crédito Público (SHCP). “Es probable que muchas personas no alcancen las semanas de cotización que...

December 18, 2018
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