May 2025

Ghana. SSNIT bets on mobile money to drive accessibility

The Social Security and National Insurance Trust is betting on the widely used mobile money to improve pension accessibility and convenience, as it deepens its digital transformation strategy to reach a broader base of contributors. With mobile money transaction volumes and values surging to record highs in 2024, SSNIT is integrating mobile money platforms into its service delivery model. The aim is to make pension-related services more accessible to informal sector workers and the broader population who already use mobile...

As Rural Populations Grow Older, Communities Increasingly Rely on Smaller Labor Force

Rural populations are shifting older as people live longer, birth rates decline, younger people move out of rural areas, and older people decide to spend their retirement years in rural settings. By the end of 2025, the youngest of the Baby Boom generation (born between 1946 and 1964)—a large generation in total numbers—will have turned 61 and the oldest reached age 79, meaning that many are now in or looking at retirement. Meanwhile, working-age (15–64 years) populations in rural counties...

Kenya. Workers welcome state move to exempt pension and gratuity from tax

A section of Kenya Ports Authority (KPA) workers has lauded the government’s move to exempt pension and gratuity from taxes as outlined in the budget for Financial Year 2025/2026. To ensure senior citizens retire with dignity and not distress, the Head of State during the 60th Labour Day celebration announced that pensions and gratuity from the public and private sectors will be exempted from tax. Former Dock Workers Union Leader Paul Abisa described the government’s move to exempt pensions and gratuity from...

México. Se disparan 51% las ganancias de Afore; $4 mil 702 millones en cuatro meses

Las ganancias que las administradoras de fondos para el retiro (Afore) obtuvieron entre enero y abril de 2025 por administrar el dinero para las pensiones de los mexicanos se dispararon 51 por ciento nominal y 45 por ciento en términos reales en comparación con lo registrado en el mismo periodo del año pasado, revelan datos oficiales. Según el más reciente reporte de la Comisión Nacional del Sistema de Ahorro para el Retiro (Consar), las 10 Afore que operan en el...

Chile. Retiros de fondos de pensiones redujeron la riqueza del 50% más pobre de la población

La desigualdad patrimonial mide la concentración en la tenencia de activos netos de deuda. A diferencia de la desigualdad de ingresos, que cuantifica la concentración de los flujos económicos, la brecha patrimonial se enfoca en stocks acumulados a lo largo del tiempo. Por ello, representa una dimensión más estructural de la desigualdad. Pablo Gutiérrez, académico del Departamento de Control de Gestión y Sistemas de Información de la Facultad de Economía y Negocios (FEN) de la U. de Chile; Ignacio...

Planificar el retiro desde hoy, cuando más joven, mejor

Al pensar en el retiro, suele visualizarse como algo lejano, casi ajeno. Para quienes son jóvenes, parecería que aún queda mucho tiempo para preocuparse por ello. Sin embargo, comenzar a planificar el retiro desde temprano facilita y reduce los costos de lograr una vida tranquila en el futuro. En México, el panorama del ahorro para el retiro entre los jóvenes presenta desafíos significativos. Según la Encuesta Nacional de Inclusión Financiera (ENIF) 2021, solo el 41% de los jóvenes entre 18...

Argentina. Mapa de las jubilaciones: cómo se sostiene el sistema previsional y la necesidad de una reforma

Tras las elecciones en la Ciudad de Buenos Aires, tanto el Gobierno como la oposición empiezan a pensar lo que serán las discusiones parlamentarias que vendrán durante el resto del año. En ese sentido, una de las principales cuestiones que buscarán tratar es el funcionamiento del sistema previsional en la Argentina. De acuerdo a un informe que se planteó en Infobae en Vivo, la Encuesta Permanente de Hogares (EPH) señaló que en el país un 15,47% de jubilados continúa trabajando a pesar de...

UK. Impact Investing Principles for Pensions updated to reflect changing market environment

The Impact Investing Principles for Pensions have been updated to help UK pension fund trustees better align their investment decisions with long-term impact goals and fiduciary duties. Originally launched by the Impact Investing Institute and Pensions for Purpose in 2020, the principles have been revised to reflect five years of market experience and legal changes, including rising expectations from pension savers and evolving regulatory demands. The updated guidance, which also includes The Global Impact Investing Network’s "significant" contribution and endorsement, seeks...

US. Outliving Savings: A Growing Risk

Changes in financial planning that will account for increasing longevity haven't necessarily kept pace with expectations that the number of Americans living to 100 and beyond will quadruple over the next 30 years, warns a new study. In fact, the research from the Nationwide Retirement Institute and the American College of Financial Services finds that extending a retirement by just five years from 30 to 35 years increases the risk of depleting savings by 41%, based on historical market returns. Conducted...

Malaysia. Framework for gig workers to thrive

THE gig economy has rapidly grown in Malaysia, providing flexible work opportunities to millions of individuals across various industries. Gig workers, including ride-hailing drivers, food delivery riders, freelancers and digital platform workers, play a crucial role in the country’s labour market. However, despite their significant contributions to the economy, many gig workers face job insecurity, lack of social protections and unfair treatment due to the absence of a legal framework governing their rights. Recognising these challenges, the government is set to introduce...