August 2025

Romania proposes pension reforms as it moves to join OECD

Romanians will be limited to withdrawing a quarter of their private pension funds upon retirement and will receive the rest in monthly payments under a draft reform of the system unveiled on Friday that aims to boost the country's OECD candidacy. The EU member state overhauled its communist-era pension system in 2008, making it compulsory for working Romanians under 35 to contribute to a so-called "second pillar" of private pension schemes in addition to their state pension. Under the scheme, more...

UK. DWP insider explains why State Pension won’t be means tested

Pensions Minister Torsten Bell recently confirmed that the State Pension will not be means-tested in the future, following growing speculation on social media suggesting that the contributory benefit could be next in line for review by the Labour Government. Under the Triple Lock system, the New and Basic State Pensions increase each year in accordance with whichever is highest between average annual earnings growth from May to July, Consumer Price Index (CPI) inflation in the year to September or 2.5 per...

Jóvenes en México: 7 de cada 10 no ahorran para su retiro

Según cifras de la Comisión Nacional del Sistema de Ahorro para el Retiro (CONSAR), más del 70% de los jóvenes en México no prioriza el ahorro para su retiro. Además, la Encuesta Nacional sobre Salud Financiera del INEGI indica que 68% de quienes tienen entre 18 y 29 años enfrenta estrés financiero alto o moderado. Llama a iniciar el ahorro voluntario Incluir el Ahorro Voluntario en la planeación financiera, ayudaría a reducir el estrés y a sentar bases sólidas para un mejor retiro. ‘Muchos jóvenes piensan...

Chile. Jara y eliminación de las AFP: “Yo voy a priorizar la implementación de la reforma previsional”

La candidata presidencial del oficialismo, Jeannette Jara, quien el lunes presentará su programa de gobierno, reiteró que fue un error incluir la nacionalización del cobre y el litio en la propuesta de ejes programáticos para las primarias, y respecto a una eventual eliminación de las AFP afirmó que se concentrará en implementar la reforma previsional. En el marco de un seminario organizado por Moneda Patria Investments, Jara además enfatizó que de llegar al gobierno respetará la convergencia fiscal y no...

Colombia. Falta el pago de este número de mesadas de pensión durante 2025 en Colombia

Las mesadas de pensión en Colombia se pagan mensualmente, de acuerdo con la normativa local. En lo corrido del año ya se ha entregado la mitad de las mesadas a los jubilados. Datos de la Superintendencia Financiera muestran que a mayo se registró un total de 2.169.104 pensionados, de los cuales 1.796.700 pertenecen al fondo público y 372.404 a fondo privados. Esto representa un aumento anual, agrega el informe, de 138.326 jubilados que reciben mesadas de pensión en Colombia. Agrega el informe que “al...

Analysis: The US$400 trillion global retirement gap

By Paul Mackintosh   In a recent discussion with the World Economic Forum (WEF), Yie-Hsin Hung, chief executive officer of State Street Investment Management, addressed the global retirement savings gap, estimated to have hit some US$50 trillion ten years ago and forecast to reach around $400 trillion by 2050. The US is expected to account for 33% of the $400 trillion, China, 30%, and India, 20%. In the US, those who are 45- 60 years old or Generation X save on average around...

US. The Silver Tsunami: Navigating Retirement Risk in a Declining Financial Literacy Landscape

As the global population ages, a quiet crisis is unfolding: financial literacy rates among older adults have plummeted to below 60%, a stark drop from 69.5% in 2020. This decline, driven by cognitive aging, digital disengagement, and inadequate educational resources, is creating a perfect storm for retirement planning. With 78% of retirees underestimating their life expectancy and $28 billion in U.S. scam losses reported in 2023 alone, the stakes for long-term financial resilience have never been higher. The erosion of...

Ghana’s pension fund assets grow by 39.5% in 2024

The 2024 Financial Sector Report on pension activities has revealed that Ghana’s pension fund assets increased by 39.5% in 2024 compared to the previous year. This growth brought the total value of pension fund assets to a record GH¢86.23 billion in 2024, up from GH¢61.8 billion in 2023. The report attributed the increase to stricter enforcement against employers defaulting on mandatory contributions, higher enrolment, partial government repayment of arrears, and favourable investment returns. Private pension schemes, comprising Tier 2 and Tier 3,...

Bulgaria’s Pension System Faces Challenges Ahead of Eurozone Entry in 2026

Bulgaria’s pension system stands at a critical juncture as the country prepares to join the Eurozone in 2026. This transition will bring pensions denominated in euros instead of leva, prompting questions about the system’s future stability amid demographic shifts and budgetary pressures. Our analysis explores the structure of Bulgaria’s pension scheme, current challenges, and projections looking ahead to 2070. The Bulgarian pension system consists of three pillars. The first pillar is the state social security system, funded through the pay-as-you-go...

¿Cómo ahorran los mexicanos para su retiro?

Todo trabajador, ya sea formal o informal, piensa en el inevitable (y a veces anhelado) retiro en mayor o menor medida. Algunos aportan prolijamente toda su vida, mientras que otros se rebuscan para juntar unos pesos para una vejez digna. ¿Pero quiénes pueden ahorrar y cómo lo hacen? En México, ¿cómo vamos?, en colaboración con Vanguard, ha publicado el documento Diagnóstico del ahorro en México para conocer las finanzas de los mexicanos y los métodos que eligen para prepararse...