September 2025

Global depopulation amidst gains in average longevity

A United Nations Department of Economic and Social Affairs (UN DESA) report titled “World Fertility 2024” shows a gradual decrease in global fertility. It says the global fertility rate in 2024 was 2.2 births per woman on average, down from about 5 in the 1960s, and 3.3 in 1990. It is projected to continue declining, reaching the replacement level of 2.1 in 2050, and falling further to 1.8 births per woman in 2100. “Trends in fertility, together with trends in...

Crypto finds gateway into Australia’s $2.8t pensions pot

Australia’s A$4.3 trillion ($2.8 trillion) retirement system — long regarded as one of the world’s best-regulated savings pools — is emerging as a new frontier for crypto. Coinbase Global Inc. and OKX, two of the largest digital-asset exchanges, are rolling out products aimed at steering pension money into cryptocurrencies, underscoring how digital assets are edging further into mainstream finance. The initial focus is self-managed superannuation funds, or SMSFs, which already make up about a quarter of Australia’s pension pool. Unlike mainstream...

India’s gig economy expands rapidly, government steps up worker welfare measures

India’s fast-growing gig and platform workforce is reshaping the world of work, creating new opportunities in urban and semi-urban centres while also posing significant challenges around social security and worker protection. With its half-a-billion-strong labour force, the world’s youngest demographic profile, rapid urbanisation, and widespread smartphone penetration, the country is emerging as a global hub for gig-driven transformation, according to official data. The gig economy, broadly defined as a system where individuals earn outside traditional employer–employee relationships, has seen strong growth...

A “major trouble” of €2 trillion! Is the pension reform in the Netherlands about to ignite the European bond market?

The Zhito Finance APP has learned that a transformation nearing €2 trillion (approximately $2.3 trillion) is sweeping across the European bond market, adding further turbulence to the already unpredictable year of 2025—tariff upheavals, concerns over deficits, and a political crisis in France are all unfolding, and now the reform of the Dutch pension system has become the new eye of the storm. As the largest pension market in the European Union, this long-anticipated reform in the Netherlands has driven up...

August 2025

En México, 67% del cuidado de adultos mayores recae en mujeres: así afecta sus pensiones

El hecho de que el cuidado esté recargado principalmente en las mujeres incrementa su vulnerabilidad financiera. De acuerdo con cálculos de Afore Sura, y bajo el supuesto donde, tanto ellas, como hombres se pensionarán a la edad de 65 años, éstas tienen 7% menos en tasa de reemplazo respecto a ellos, y 11% menos en su proyección de pensión estimada, ya que tienen 5% menos de salario registrado en comparación. De esta manera se hace más visible la brecha de...

Daniel Noboa presenta al Parlamento de Ecuador un paquete de reformas al sistema de pensiones

El presidente de Ecuador, Daniel Noboa, presentó este jueves un paquete de reformas al sistema de pensiones bajo el nombre de Ley de Fortalecimiento Crediticio que constituye la quinta iniciativa legislativa de carácter económico urgente que promueve desde que este año resultó reelegido hasta 2029. El mandatario, que se encuentra de viaje oficial en Japón, envió su propuesta legislativa a la Asamblea Nacional (Parlamento) bajo el método exprés de carácter económico urgente, que obliga al Legislativo a tramitar el texto...

México. Ante mayor esperanza de vida, el reto es ver cómo fondear pensiones para próximos años: Expertos

Ante una mayor esperanza de vida que hay ahora en el país, el reto es ver cómo fondear las pensiones de la población en los próximos años, coincidieron expertos. En el 11 Encuentro de Educación Financiera Banamex, celebrado este jueves y cuya temática se centró en esta ocasión en los fondos de ahorro para el retiro, Héctor Santana, titular de la unidad de seguros, pensiones y seguridad social de la Secretaría de Hacienda y Crédito Público (SHCP), destacó que es...

Chile. El control de daños de los republicanos ante el flanco que se les abrió por propuesta en reforma previsional

“No se va a rebajar ninguna pensión, ningún beneficio”. Con esas palabras, este jueves el abanderado del Partido Republicano, José Antonio Kast, tuvo que salir a aclarar por cuarta vez esta semana su propuesta que modifica la última reforma previsional. Específicamente, la idea de Kast busca terminar con el préstamo al Estado y sustituirlo por la inversión en instrumentos financieros en condiciones de mercado. Esto, según se lee en el programa de gobierno, con el objetivo de que “todo el aporte...

Other nations mandate retirement savings — the U.S. does not. Here’s why it matters

Retirement funding looks very different depending on where you live. While the United States leans heavily on voluntary 401(k)-style savings plans, other nations rely on mandatory contributions or more traditional pensions to ensure broad coverage and steady income. Mercer CFA Institute Global Pension Index takes these structural differences into consideration when ranking some of the world’s biggest retirement systems. “We do it because we want to give a picture of the retirement landscape,” said Christine Mahoney, global pensions leader at Mercer, a consulting firm. “We try...

UK. How to work until retirement when your body has already checked out

Over the years, the state pension age in the UK has changed several times, to coincide with the increase in life expectancy and to ensure fiscal sustainability. The age was 60 for women and 65 for men between 1948 and 2010, after which point the state pension age for both men and women became 65. It has subsequently shifted again, with the current retirement age being 66. This is set to rise once more from 6 May 2026 to 67. As...