October 2025

How ChatGPT Could Transform Your Retirement Planning for the Better

ChatGPT is ready for your retirement planning questions. It can provide answers on subjects such as deciding when to collect Social Security, estimating medical costs, and choosing which retirement accounts to tap first to minimize taxes. But should you trust artificial intelligence (AI) with your retirement planning? Here's what financial experts say. ChatGPT Can Lack Critical Thinking First off, ChatGPT doesn’t use critical thinking.1 For that, you’ll need a human financial advisor. “Remember that AI doesn’t currently think critically or form new ideas. It finds existing ideas...

Frailty in ageing populations worsened by air pollution, global review finds

Air pollution increases the likelihood of people becoming frail in middle and old age, according to an international review of studies. People are living longer and, while this is often painted as a challenge to healthcare systems, it is also something to celebrate. There are many opportunities to increase the quality of life in old age, maximise independence and minimise the amount time spent being ill. Dr Zahra Jafari, from Dalhousie University and coauthor of the review, said: “Frailty is a critical health outcome...

Argentina. Bono congelado en 70mil

La Anses oficializó este miércoles que el bono previsional otorgado a jubilados se mantendrá en los 70 mil pesos durante octubre, el mismo valor que los últimos 19 meses. La asignación extraordinaria perdió la mitad del poder de compra, teniendo en cuenta que los afectados vienen sufriendo el aumento continuo de la comida, las tarifas y de los medicamentos: la inflación total acumulada tocó el 90,49 por ciento, de acuerdo con los últimos datos oficiales. Según el Centro de Economía...

Chile. Nueva Ley de Pensiones y cambios en el cálculo de la deuda previsional

Lo positivo es que la modificación que establece la Ley 21.735 respecto del cálculo de la deuda previsional es un gran avance y apunta a corregir un grave error en la usura de la cobranza actual. Es un cálculo más “racional” desde el punto de vista financiero. La nueva Ley de Pensiones, Ley 21.735, que crea un nuevo sistema mixto de pensiones y un seguro social en el pilar contributivo, fue promulgada en marzo 2025 y comenzará a regir en...

“Las pensiones son una ‘bomba’ de tiempo” para El Salvador, dicen analistas

Dos analistas coincidieron en la presión que representa el sistema de pensiones para El Salvador. El déficit de pensiones y su respectiva deuda así son una "bomba de tiempo" para El Salvador según coincidieron dos analistas este miércoles en un entrevista televisiva. Venezuela recibe una Navidad anticipada en relativa normalidad pese a "amenazas" de EUA El Salvador está a las puertas de una nueva reforma de pensiones sugerida por el Fondo Monetario Internacional (FMI) en el marcó del programa al que se ha sometido...

Panamá. Avanza debate sobre eliminación de jubilaciones especiales

La subcomisión de Trabajo, Salud y Desarrollo Social continuó el análisis de los proyectos de Ley 346 y Ley 361, que proponen eliminar o modificar los beneficios de jubilaciones especiales para miembros de la fuerza pública y estamentos de seguridad bajo el Ministerio de Seguridad Pública. El diputado Jairo Salazar, presidente de la subcomisión, informó que se acordó convocar a los directores del Plan de Retiro Anticipado Autofinanciable (PRAA) y del Sistema de Ahorro y Capitalización de Pensiones de los Servidores Públicos (SIACAP), además de revisar los topes salariales de los comisionados. Según la exposición de motivos, las jubilaciones especiales de los agentes de seguridad pública representaron un gasto...

US. Amid Higher Funded Status, Pension Plans Consider Their Options

The assets of the 100 largest corporate defined benefit pension plans rose by $8 billion in August to $1.29 trillion, and the funded ratio of DB plans increased for the fifth consecutive month to 106.2%, according to data from Milliman. “[The current level of funding] is a significant milestone in the DB space, as the surplus funding gives plan sponsors more options for how to proceed with their plan, whether they want to continue operating their plan on a [liability-driven investment]...

Ghana ban on foreign investments for pension funds is counterproductive, funds say

Ghana's ban on its pension funds from offshore investments is curtailing their ability to hedge risks, executives said, as authorities seek to jumpstart the domestic bond market in the wake of its sovereign debt restructuring. The government in Accra blocked funds from putting workers' cash into offshore investments last year after concluding a restructuring of its local and foreign debts which decimated its local debt market - once a destination for major international asset managers like Franklin Templeton. The ban was designed to reduce pressure on...

US. How Government Shutdown affects benefits & retirement

With a possible government shutdown looming, federal employees and retirees are asking questions of how it affects their pay, leave and annuity payments. Below are a some frequently asked questions from the Office of Personnel Management’s most recent Guidance for Shutdown Furloughs. Federal Benefits 1. What happens if agency employees responsible for processing Federal Employees Health Benefits (FEHB) or Federal Employees’ Group Life Insurance (FEGLI) transactions are furloughed? A. Agencies will continue to process FEHB and FEGLI transactions during a lapse in appropriations....

Pension funds should invest in venture capital for climate benefits, argues report

Large European pension funds could support the development of new sustainable and digital products by investing in venture capital, argues a report by industry networks Venture Connections, European Women in VC and Pensions for Purpose. Pension funds could “channel billions into climate tech” and are “uniquely positioned to match the long timelines of the energy transition”, Pensions for Purpose chair and founder Karen Shackleton tells Sustainable Views. If European pension funds allocated 5 per cent of existing private equity investments to...