July 2025
14Jul

México. ¿Por qué es importante reforzar el ahorro para el retiro?

En un entorno económico donde la longevidad aumenta y los sistemas de pensión pública enfrentan retos estructurales, reforzar el ahorro para el retiro se ha vuelto urgente para los trabajadores. En México, lo anterior es especialmente importante, pues las personas que comenzaron a cotizar a partir del 1 de julio de 1997, lo hacen bajo el llamado Régimen de Pensión 97, es decir, su pensión dependerá directamente del monto acumulado en su Cuenta Individual dentro del Sistema de Ahorro para el Retiro (SAR). Cabe mencionar que este...

July 14, 2025
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14Jul

Colombia. Esto es lo que hace falta para que empiece a aplicar la reforma pensional

Más allá de que la reforma pensional en Colombia entra en vigor cuando la Corte Constitucional haga el pronunciamiento de fondo, hay una serie de puntos importantes de la nueva norma que deben reglamentarse para su puesta en marcha. Asofondos, gremio que reúne a las administradoras privadas, explica cuáles son las medidas que deben todavía ejecutarse para que funcione, en pleno, lo aprobado por el Congreso de la República. En primer lugar, dice el gremio, aún faltan varios desarrollos normativos y operativos para...

July 14, 2025
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14Jul

UK. DWP benefits warning as payments could be slashed by 15% in certain scenarios

Universal Credit and Pension Credit are essential sources of financial support for many in the UK. Yet, the Department for Work and Pensions (DWP) cautions that, in highly exceptional cases, claimants could experience reductions of 5% to 15%. These cuts, called 'third-party deductions', happen when a benefits recipient owes debts like court fines, rent, Council Tax, or energy bills. Usually, deductions are made at a fixed rate until the debt is paid off, with a maximum of three debts being...

July 14, 2025
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14Jul

South Korea Boomers Having Their Wages Cut for Continuing to Work

South Korea's older workers are facing steep wage cuts and insecure work conditions simply for staying on the job past a certain age—a reality drawing criticism from rights groups. Why It Matters South Korea has one of the highest rates of elderly poverty in the developed world. According to Human Rights Watch (HRW), 38 percent of people over 65 live in relative poverty. The nation's "peak wage" system and mandatory retirement policies are pushing many older workers into lower-paid, more precarious jobs, even as...

July 14, 2025
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14Jul

Swedish pensions reform efforts must heed rise of anonymous owners, says AMF

AMF, Sweden’s second biggest occupational pension fund, has issued a stark warning about the negative effects of the rise of huge passive investment funds on corporate governance in the Nordic country, and said legislators must take this into account when shaping pension reforms. Anders Oscarsson, head of equity and stewardship at the SEK850bn (€76.3bn) pensions institution, said large index funds were increasingly dominating as owners of Swedish companies — a development he said posed a threat to the Swedish ownership...

July 14, 2025
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14Jul

The impact of ageing, socio-economic differences and the evolution of morbidity on future health expenditure – a dynamic microsimulation

By Thomas Horvath, Thomas Leoni, Peter Reschenhofer & Martin Spielauer    Background Population ageing is associated with rising healthcare expenditure. To inform policy and adapt health systems accordingly, a detailed quantitative analysis of the different components of ageing and other factors that influence cost dynamics is needed. Methods We use dynamic microsimulation to project healthcare expenditure in Austria and disentangle the effects of changes in longevity, population age-structure, healthy life years and socio-economic health disparities. By combining price weights for healthcare services with information on healthcare consumption from the...

July 14, 2025
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11Jul

Colombia. Gobierno Petro tuvo que dar marcha atrás a varios ajustes clave para ejecutar la Reforma Pensional: la Corte Constitucional dio la orden

La Corte Constitucional, mediante el Auto 841 de 2025, ordenó la suspensión temporal de la entrada en vigencia de la Ley 2381 de 2024, por medio de la cual se establece el Sistema de Protección Social Integral para la Vejez, Invalidez y Muerte de origen común, más conocida como Reforma Pensional del presidente Gustavo Petro. La medida obliga a que todas las instituciones del Estado colombiano dejen de seguir la normativa hasta que el alto tribunal determine que la votación...

July 11, 2025
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11Jul

La reforma de las pensiones en una esquina de Europa amenaza con ‘tumbar’ la deuda de España y de otros países del continente

El mercado de deuda europea se va a enfrentar en un corto periodo de tiempo a una auténtica prueba de fuego. Con los inversores ya saturados de deuda pública (prueba de ello el elevado tipo de interés que paga este activo), se viene una avalancha de emisiones que empujará al alza aún más la oferta de bonos, mientras que la demanda se encuentra aletargada. Todo ello, además, con el Banco Central Europeo reduciendo su balance (retirando liquidez y deja...

July 11, 2025
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11Jul

US. How Much Should You Have Saved for Retirement If You Live To 100

Planning for retirement requires an effective strategy that covers everything, including inflation, long-term healthcare, vacations, debt, the uncertainty of Social Security, taxes, the unexpected and living expenses. What makes it even more challenging is people are now outliving their savings because life expectancy is longer. According to a new survey from Allianz Life, 64% of Americans, mostly Gen Xers, worry more about not having enough money to cover their lifetime than they worry about dying. While many fear about running out of...

July 11, 2025
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11Jul

UK. DC pensions continue to back Net Zero despite ESG backlash

Barnett Waddingham’s latest DC Sustainability Report finds a 34% increase in allocations to funds with a climate target in the growth stage since original 2021 report. Despite this, providers have on average 35% of growth assets exposed to investment managers who have stepped away from climate collaboration initiatives. Misalignment between UK DC schemes and global asset managers on sustainability requires a strategic shift to ensure ESG ambitions are fulfilled.     Against the backdrop of anti-ESG sentiment among many global institutional investors,...

July 11, 2025
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